The insurance business has changed a lot in the past decade and the companies are figuring out new ways and methods to make it profitable. Most people are looking to get a loan when they need financial support for an investment they can’t pay of right away but the question is who protects the borrowers if something goes wrong. This is where private mortgage insurance or PMI comes into place.

Homebuyers are now able, in some cases, to put down less than 20% of the down payment. If the lender allows this, they will get PMI so they can have a backup if the homeowner defaults. This may not seem like a great option for some because it doesn’t protect clients from foreclosure but the benefit is that they can afford something by paying less.

MPI vs. PMI                                                                               

There are a few differences people should understand and the main is that MPI will not pay off the whole balance of the loan if you default, but they will make a difference in some occasions where you lost the job, had some disability or illness. MPI covers the borrower instead of the lender, it is a voluntary election, may pay in the event of death.

There aren’t some great benefits you will get from any bank or lender but there is the importance of mortgage protection insurance that you should know when taking it. Most people are drawn to it because they are able to qualify for it much easier for something that is necessary for them. This also means that your buying power is higher because they are requiring less than usual.

Do You Need It?

How much it will be a good of a choice will depend on you and how you calculate the payments. The bank also has a big role because the costs can be between 0.5% and 1% on the overall value which can vary. Always make sure you read everything that is presented to you and learn what is included in the form.

In most cases, you can just avoid it by making the 20% down payment or even if you are able to afford more. Even professionals will recommend that you save enough cash when you are purchasing a new home so you won’t need to pay any extra. It’s much better to ask your family member to give you a percentage so you can get a lower interest.

But, if you can only rely on this option, it is a good thing that they are not permanent so you can cancel and remove them from your payments when you get to that 20% equity. How this is managed will depend on the lender so figure out which one has the best offer. You can also talk to your attorney before signing the form if it is hard to understand which happens often.

Main Types

Reducing term cover is the first of four main types of protection insurance where the amount that you will …

Why Office Cleaning Is a MUST

Office cleaning services do much more than simply empty the wastebaskets or wash the windows. In fact, there are several cases that have been documented which prove that regular vacuuming and cleaning of an office can significantly reduce “sick time” taken by employees and actually increase productivity. By taking these elements into account, most companies can actually offset the cost of office cleaning through their insurance provider or via their taxes, making it an essential ingredient for any successful organization.

Getting a service listing from an office cleaning company is simple. Visit their website, call their representatives, or send out an email, and within hours, you’ll have everything you need to make your service decision. There are several essential tasks that you will want to have performed with each weekly cleaning. For example, keeping the restrooms sparkling is a great way to make a lasting impression on a visiting client. In fact, restrooms are considered one of the top “determining factors” in an individual’s assessment of the cleanliness of a home or office. Take advantage of this perception by keeping your restrooms perfectly clean.

Increasing Efficiency

Operational efficiency is likely the most important aspect of any business’s office. Clutter and dust can sap motivation, as a clean workspace is simply more inviting to an individual than a dirty one. By hiring a service to perform a weekly office cleaning, you prevent clutter from building up and eliminate much of the dust that can accumulate through normal operating hours. And, if your office is increasing its overall efficiency, won’t profits increase?

Promoting Health

The health benefits to regular office cleaning are endless. From assisting those that have allergies to helping to reduce the amount of irritants in the air, the health issues that can arise from an unclean workspace can do far more than simply cost the company work hours due to illness. Instead, long-term issues can arise, resulting in lawsuits and increases in insurance premiums.

Client Perception

Perception is everything in the business world, and when your office is neat and tidy, your clients will immediately assume that your business operations are neat and tidy, as well. This is an inherent principle in corporate circles, and nothing can put distance between a company and a client quite like an unorganized workspace. By making a tiny investment in a professional office cleaning service, you are setting the stage for huge rewards in the future.

The lobby is another area that should be taken into consideration. The adage regarding the importance of first impressions rings true when you consider that the reception area is the first thing that a client will see when entering your building. Be sure to remind the cleaning service that your lobby must be spotless, and though they likely already understand, they will be sure to remind the cleaners when they visit your location. Attention to detail goes a long way in this regard.

Office cleaning firms are an important part of …

High Quality Office Cleaning Starts With Adequate Training

The UK commercial cleaning market has become ever so competitive with hundreds, maybe thousands of cleaning companies operating throughout the land. Proof to that is by doing a simple search on Google maps for office cleaning services in central London and you get hundreds of results. So how to determine which one is the most efficient out of them all?

Like in any trade adequate training is what differs professionals from amateurs. But I’m not only talking about training to become a qualified professional I’m also referring to continuous training to keep employees up to date with the latest trends and techniques of the trade.

With office cleaning services its exactly the same, companies that conduct continuous training with their employees tend to offer higher quality services for the simple fact that increased skills associated with the cleaners experience results in quicker and more efficient services.

Misinformed are those who think you don’t need training to operate a simple broom or to clean a carpet. Well I have to agree that there are no secrets to sweeping a floor but office cleaning goes way beyond that.

Did you know that are Health and Safety procedures for Office Cleaning and a risk assessment must be done before any cleaning job can start?

Each type of floor must be cleaned in a certain way. Ceramic tilling must not be cleaned with harsh abrasive cleaners; vinyl floors require special attention and special products. To clean carpets is whole new science; each stain must cleaned in way with a different chemical.

Speaking of chemicals that is another area that needs special attention. All cleaners must be trained to handle the products they work with for two simple reasons. First to avoid accidents like the one that happened in a McDonald’s restaurant in late 2010, when an employee was left partially blind due to the use of an acid-based cleaner. Second, so they don’t use the wrong product on the wrong surface.

Another type of training that must be conducted with office cleaners is personal relationship. Nobody likes a grumpy cleaner that goes around in a bad mood without talking to anyone. Most of the time, office cleaning services are carried out in non-working hours but if the service is done during office working hours the office cleaner must be polite and always try to have an smile on his or her face.

Commercial cleaning companies that offer periodical training to its employees tend to provide quicker and more efficient cleaning services than those who simply ignore it.

As you can see commercial cleaning goes way beyond the broom and wet cloth and the best companies are those who are up to date with the latest trends of the trade.

Do you offer periodical training for your cleaners?…

What to Look for in a Good Office Cleaning Service

Office Cleaning is much more difficult than you can possibly imagine. You may not be emotionally attached to the cleaning and caring of the premises like in your own house, but you have to give a lot of attention to the other details because it reflects your personality and more importantly, will go a long way to reflect your ethics to your employees and your delegates. Therefore, you should choose office cleaners who will pay attention to their work and you do not have to go around looking whether they are doing their job properly, leaving your own, and work that is far more important. Here are some things that you should settle with the cleaners before you appoint them.

Fix the Working Days: You would of course fix the working days before hand but be strict regarding their maintaining the routine. If they are working three days a week, then they should remain fixed to their days and timing. Office cleaning should preferably be done in the morning, before the day’s work has started. If you do not check the timings initially, then chances are the entire schedule would go haywire and you would find your corridors being cleaned when you are heading for an important meeting in the conference room.

Cleaning Equipments: Some cleaning agencies bring in their own equipments while cleaning while some offices choose to provide their own tools from their own storeroom. The rates are fixed accordingly as naturally providing your own tools means cutting down on the costs to some extent. However, this would also mean that the outsiders would handle the equipments and the storeroom and so you should check with the security from time to time.

Lookout for Additional Services: Many office cleaners also provide with some extra services and at discount rates. Therefore, it would be profitable for you to avail these discounts. Then other services like carpet cleaning, garden weeding, window cleaning and other kinds of tougher jobs are provided by some agencies. You can also do your own research regarding who has the lower rates and then choose the cleaning agency accordingly. However, those who charge a bit higher are also better on their services and are more professional and it would be worth it to the pay the little extra money to keep your office absolutely clean and shining without a single thing to worry about.

You should of course also remember that they are also hardworking employees after all and you should not take undue advantage of being the employer. Do take care of their needs and requirements from time to time as you do with your other employees.…

Need For Commercial Cleaning Services

Around the world, one can find quality and business-oriented cleaning companies. Cleaning is no longer considered a household or office chore but has now developed into a fully-fledged industry. This industry is now important for many customers across different continents.

Its commercial form, also popularly referred to as office cleaning, is an important half of the industry. Residential is the other half of this industry. The commercial part of the cleaning industry offers a wide range of services for offices, industries, shopping malls and other commercial set ups.

There are a number of commercial providers who are offering diverse services ranging from cleaning of carpets, upholstery, furnace and duct, HVAC systems etc. In case of working for offices and industries, these companies need to provide more than the usual provided to the residential sector. Commercial cleaning requires additional tasks along with emphasis on hygienic work environment with flexible timings. Any task undertaken by the provider should be completed around the office hours. It should not pose hindrance to the office schedules or daily routines.

A good company will ensure that their services for offices is carried out with respect to the hygiene of the employees and also provide professional services in HVAC, furnace and duct maintenance. Major corporate set ups and big organizations require due maintenance of HVAC (Heating Ventilation and Air Conditioning) systems for proper ventilation in offices. Similarly, offices require furnace and duct maintenance for proper functioning of various conditioning systems and proper Dryer vent cleaning as well.

In the end, when one finally decides to hire a quality and reputed professional cleaner, a thorough reading and understanding of the different services offered by the different companies is important. One needs to identify the services as per their needs and hire the best company suited for their business.…

How to Become Successful in Real Estate Investing? Some General Tips!

The first thing you have to do is have a real desire to change your life.A� Once you have that, you can begin learning about real estate investment.A� Always be open to advise, from friends, acquaintances and even experts.A� You never know what kind of quality advice you will receive or what type of information you can use for your own personal investing.A� Most people have either invested in real estate or are planning to and when people are interested in the market, they learn a lot, whether it is beneficial or a disaster.A�

Begin by contacting an expert; which can be your financial institution, real estate agent or even communicate with experts over the internet.A� When you find an expert that, you would like to work with, ask questions, lot and lots of questions.A� Surf the internet, once the expert begins advising you of the type of investments you should be making, cross check the information online.A� Do not limit yourself to what someone else is teaching you, always educate yourself further; just use their advice as a starting guide.A� Once you begin learning the market on your own, you may want to learn about more facets, than the ones you are being advised on.A�A�

Next start finding properties that interest you, whether it is the style of the property, the location or the potential value of the property.A� Once you have a few properties in mind, start doing your research regarding their history.A� You must know everything about your possible investment, such as possible back taxes or repairs, due to previous damage.A� Do not rush into any investment; regardless of how much you want the property, because once you invest, your money is committed.

You also need to learn a few negotiating skills, believe me if you are not a good negotiator then you will not be a successful investor.A� Many people confuse a negotiator with a salesperson, but that is not always the case.A� A good negotiator simply needs to be proficient in what he does, have confidence in their decisions and know the way to get what they want.A� Children are actually great negotiators; we could all learn a thing or two from them.A� Through negotiation, you will learn how to become a great communicator, this is important when dealing with the public or other businessperson.A� You need to know how to convince banks, private lenders or even family members that you know what you are doing.

Last, but not least, only structure profitable deals.A� Do not put too much of your time into risky properties; if you are not confident that you will receive a good return for your money then simply stay away from it.A� When you are a new player in the real estate investment game, you should begin by sticking to something solid and promising.A� Always use your justified mind instead of emotional heart because after all you are spending money …

Keep You Office and Home Clean With Taski Cleaning Supplies

When it comes to cleaning the home or office there is a lot of office cleaning supplies that can meet the demands that you have. Taski is the maker of a large variety of floor cleaning products that can be used either in the workplace or in the home.

Whether the floor in question requires the attention of a floor scrubber or a vacuum Taski is able to accommodate the needs with high quality equipment that will make your floors look like they were new again.

The Taski swingo is a compact automatic scrubber that is a simple to use battery operated cleaner. As it is very small with regards to size it is a great option for many establishments. The compact size also makes it the perfect choice for getting in those hard to clean or congested areas that are found in places such as hospitals, kitchens in restaurants, or even schools.

The Taski ergodisc is another common choice for floor cleaning needs. The name explains a lot about the ergonomics that this machine offers when it comes to options for floor cleaners. There are also many safety features that come with it that can make it usable by anyone, even a novice.

Along with these features it also works in a very simple manner. This is a great plus as equipment that is easy to operate is something that is in very high demand. Not only is it easy to use but it is also an extremely versatile piece of equipment that is easy to get in tight places if necessary.

Taski vento is also another great choice for items that will meet your floor cleaning needs. There are some very popular choices available when it comes to the Taski vento vacuum cleaners that are available. One of the most common is the Taski vento 8. This vacuum offers a very lightweight design making it an excellent choice for both the home and the office.

Another choice to consider would be that of the Taski vento 15. This is one of the top of the line models of vacuums that is under the Taski name. There are a lot of features including a highly efficient filtration system, as well as being very quiet when it comes to operating it. It also comes with a warranty of one year which is something that many people look for in a vacuum as they want to be able to be assured that the investment they make is protected in some way or another.…

How Cleaning Services Help Improve Your Office

Imagine this — you come in to work on a Monday morning and set your briefcase down. You swat at a few flies, causing you to realize that you forgot to empty your desk’s trash can before you left on Friday. You look around, and you see a lot of other very full-looking trash cans. Before you can get disgusted, you feel your nose start to twitch, and you erupt in a sneezing fit thanks to the dust that’s accumulated over the past few weeks. If you think this type of work environment isn’t conducive to quality, professional work, you’re right.

There are a lot of businesses out there who depend on their employees for office cleanup. Unfortunately, if these employees also have a lot of company-related work on their plates, cleaning duties can fall to the wayside. This is just one reason that companies opt to hire an outside cleaning service for their office — the ability to “set it and forget it,” so to speak. To know that the office cleaning needs of the company will be taken care of regardless of how busy things get. After all, a clean office is an efficient office.

There are a few other benefits to having a professional cleaning service taking care of your office. For instance, think about all of the commercial cleaning supplies that are required for office cleaning. If cleaning is left up to the employees, those supplies have to be stored somewhere in your office. This presents a problem, because some of these chemicals be flammable, or can present other types of dangers. When you hire an outside cleaning company, these supplies are stored off-site and are brought onto your premises only when needed.

Another benefit you get by hiring an outside cleaning service is the cost-savings of paying for service instead of hiring a dedicated janitorial employee. A cleaning service can be used as much or as little as you want; meanwhile, a salaried employee dedicated to the task of cleaning the office or building will be getting paid regardless of whether or not there is a significant amount of cleaning work to be done.

These are just some of the reasons you should consider hiring a cleaning service to keep your office looking professional, spotless, and organized. You can find a local cleaning service to help you with this task by using an online search engine or by opening the phone book to the cleaning section.…

Looking for Ways To Finance a Franchise? There Is Only 1 Way When Financing a Franchise Investment!

You’re there. You have made the decision. You’re committed. You have timelines now. We’re talking about your franchise finance decision and the next challenge you have in the franchise process – financing a franchise. How many ways to finance a franchise are there? Only one… the right way! And we’ll show you how.

The ability to finance your franchise properly and satisfy the requirements of the franchisor without putting you overly in debt is what it’s all about of course. And if you do it right then you of course have the potential to grow a business, profit from it, and build owner equity for either long term resale of personal financial gain. That’s simply what it’s all about, and boy does it help if you like what you are doing, at the same time taking on the entrepreneurship role in Canadian business.

The good news is that your are lucky, because franchising couldn’t be any hotter or more popular. Franchises move goods and services in the billions in Canada, and you’re now part of that movement.

But let’s be realistic, whether it’s a franchise investment of any other business start up the same critical needs apply relative to planning and financing.

Homework. Did you hate it in school? Well here it is again because we strongly suggest to clients that you are now in homework mode when determining how financing a franchise works. It’s all about planning, which includes ensuring you have a profitable potential business on your hands, as well as understanding ways to finance a franchise in Canada.

Business plans are critical to your franchise investment. It’s a case of demonstrating your business has both profit potential plus, and this is what interests the lender, that you have the ability to repay your debt and loans. The franchisor naturally is interested in long term success of the chain, and your ability to pay royalties as they become due, usually monthly.

When you address the franchise finance decision you must consider a number of items – they are as follows – what is the total all in cost, what methods are available to finance each part of the cost breakdown, and finally, and perhaps most importantly, how is the actual financing done.

The costs to assess in a franchise finance investment are as follows – the initial franchise fee, the cost of fixed assets or leaseholds to your business – i.e. equipment, signage, vehicles if required, etc. And finally, if you did all that and didn’t address working capital for ongoing operations and growth then you are setting yourself up for failure.

Clients are always looking to us for a magic solution and a one stop finance strategy for their franchise investment. The closest we can come to that is the government BIL/CSBF loan, under which the majority of franchises are financing in Canada. You can successfully augment this strategy by …

A Look Into Professional Cleaning Services

Cleaning service is an institution since 1988. It specializes in cleaning household and commercial establishments. Nowadays, in all sorts of place in the US, there have been several companies that are engaging in services like this.

The basic services we can get is cleaning everything around your establishment from the kitchen down to the bathroom. It is a total cleaning package wherein you get to feel relax by just letting them do it without any hassle at all.

• Housecleaning

Depending on your budget, whether you want to hire a professional cleaning service, it is a must that we clean up our house. It is where we accept guests and the company of our families and friends so you better make sure it is clean and dirt-free. These services’ role is to make sure they clean up using the specified tools from the ceiling all the way to the floor. Their goal is to maintain the areas and equipments as clean as possible. The good thing about them is that you don’t need to provide them with cleaning tools because they all have it in one package. All you need to do is to pay for their services.

• Industrial and Commercial Cleaning

Hiring maintenance is not enough for a commercial building. It needs a lot of people to help maintain the building’s cleanliness and orderliness. If you have a full carpeted floor and a lot of equipments, then professional cleaning should be hired. Keeping them in shape and seeing it as new as it was bought – these services have the tools for making it possible. They have a wide array of package services and quality maintenance performance. In addition, custodial services are open for providing the best cleaning you desire. The program offers 24 hour service, reliable personnel, bonded and insured, and programs that fit your budget. All of these in one package.

Cleaning services can also serve as a way of helping your cleaning needs. It’s the same way as other services that provide you with a quality and high performance level that suites your needs. So remember to choose the best cleaners in your area and make sure that you have a clean and organized home or building.

You cannot take for granted the benefits of keeping things clean, whether you’re talking about your home or office. And because you can be too busy with your own work, you probably cannot do everything yourself. Hiring professionals is then your best option.…

Prerequisites of Effective Office Cleaning Services

Keeping the office clean and organized is quite essential to keep the motivations of employees high. Besides,keeping a clean office is the basic business requirement and no firm compromises on it. So, if you have recently set up an office and you wish to hire a genuine office-cleaning agency then you must judge it on the basis of following important parameters.

Punctuality and Regularity

A good agency must send its staff well before the time when the office starts so that the office is cleaned before the staffs and clients move in during the normal business hours. Imagine somebody cleaning around when you are working, it acts as a great deterrent and also consumes some time. The best way to counter this is by seeking the agency that can send the staff after the office is closed i.e. after the business hours.

The agency must be regular, as you would need the cleaning services almost on daily basis. You must try to seek those agencies that have a reputation in both these, punctuality as well as regularity.

Sophisticated Equipments

The agency must use only those equipments, which do not emit irritating sound. Also, the staff must be trained to clean the office without making and noticeable sound. Generally, most of the genuine cleaning firms train their employees on this behalf before sending them to the client’s site.

Urgent Service

Sometimes the office can get dirty or unorganized because of unforeseen events. You would need an agency to respond promptly in those urgent requirements.

Reliability

Most of the times, the cleaning services are hired for getting the professional services and for saving money (that would have been required in case of hiring a full time cleaner). Keeping in view the important office documents and materials, it becomes essential that you can trust on the staffs of the respective office cleaning services. Employing someone to have a tab on the staff would not lead to the feasibility of hiring the cleaning services.

Keep these things in mind, do some cross checking and reference verifications and then only get into the contract with the service provider. This might seem to be an unnecessary expenditure to many of the organizations but the many advantages provided by the office cleaning companies make their services desirable. activities. Since they are the professionals in their field, they might be using the different office cleaning equipments and chemicals.…

How to Create a Harmonious Work Place

There are many aspects to consider when aiming to achieve a harmonious work environment. Of course there are obvious elements such cleanliness, practical efficiency and style but what about things like furniture arrangement and feng shui? There are some commercial cleaning companies that offer services such as these. So be a selective and discerning client and seek out help from professionals to ensure you get the most out of your cleaning company and achieve the best results for your work place.

Everyone knows what furniture arrangement is, and how it can help the layout of an office, but not everyone has heard of feng shui. Pronounced ‘fung-shway’, it is an ancient Chinese system of aesthetics used to improve life by applying the laws of ‘heaven and earth’. These traditional Chinese laws are applied by arranging furniture and even structural elements of a space or building to attract positive forces.

Relying on techniques that relate to astrology or magnetics, feng-shui is a practice that takes many years of study to understand and apply. It can help your business by being used to create a more harmonious and even more productive environment.

Fung-shui can align life forces to create a positive, productive and successful energy flow. By employing the skills of a feng-shui practitioner a company can first of all detect any negative energy flows and then correct them. They can be corrected by the arranging of furniture to specific rules and by the introduction and correct placement of mirrors and other designated items that can be decorative and add an element of style to your office.

Some Dos and Don’ts for Office Feng Shui are:

A� DO sit in a corner furthest from the entrance to achieve the ‘command position’.

A� DO keep your back towards the wall for support.

A� DO sit with a tall building behind you to provide the support of a ‘mountain’ if your back is to a window.

A� DON’T sit in line with the door, as you will be in the path of negative energy.

A� DON’T face away from the door if you are conducting business, it is essentially ‘turning your back’ on the symbolic entrance of business.

A� DON’T arrange your workspace so that you look straight out into a corridor or see the stairs, storage rooms, closets, elevators or toilets.

Fung-shui practitioners are often able to consult on the other aspects of creating a harmonious workspace. They can assist with things like colour choice for walls and decor, what kind and where to place indoor plants and greenery, what kind and where to place art on the walls. Drawing upon a variety of practices and aesthetic fields of knowledge they will be able to create a working environment that will make your staff feel good at work and enable a positive, productive work flow. Along with feng-shui and design consideration of course office cleaning and general maintenance is an essential component of creating a harmonious …

Advantages of Hiring a Commercial Cleaning Service for Workplace

Cleanliness is essential to any business. It plays an important role when giving the first impressions.

This applies whether you are in a restaurant, in a service provider, or in a home based business. Having a business that is clean and orderly truly makes a difference. This is why a commercial cleaning service for your workplace is vital.

One advantage of having a commercial service is pecuniary. If you hire individuals, you will need to pay each one of them; thus, you will end up with bigger expenditures. You will also need to finance their healthcare, leave, and other concerns. If you hire a contractor, you will get the same cleaning result for a lower price.

Some businessmen think that cleaning their offices themselves will enable them to cut cost. Well, this may actually work for a while. But as time passes, they will realize that this strategy is not ideal. So, do not do the same.

As your business becomes bigger, you will be busier; and you will surely not want to spend your time mopping your office. Hiring a commercial cleaning service will deem more appropriate because it will allow you to use your time more efficiently. You will be able to focus more on your work while the cleaning service takes care of the cleaning.

In addition, commercial cleaning services have all the equipments and products necessary for cleaning.

This is another advantage of hiring a commercial cleaning service. You do not need to invest in expensive cleaning materials. You also just have to pay for the hours they spent cleaning. So, you can save money and you can use that money for the betterment of your company.

Commercial cleaning services are there to help you improve your company. All your business transactions have to be done in a clean environment. Your clients will be turned off if your workplace is dirty.

Plus, cleanliness can save you from any violations related to dangerous offices.…

Office Cleaning Services for Your Business

If you want to impress visitors and customers, having a well maintained office area is essential. Office space that is clean and tidy helps establish a positive image of the company. Imagine walking into an office that is filthy, disorganized and cluttered. First impression is crucial to creating that image of quality and professionalism. That is why it is important to employee a professional service to maintain the aesthetic qualities of your company. Competent companies that specialize in office cleaning services to fill the needs of your company are easy to find.

As you are probably already aware, office cleaning is a difficult task that requires special knowledge, skill in order to achieve the desired results. Most medium to large sized companies will hire a professional office cleaning service to provide cleaning activities on a scheduled routine. The established office cleaning companies are able to provide efficient and reliable services at a reasonable price point. They are also capable of maintaining standards of performance and cleanliness to meet your requirements.

As you know, office and commercial space receives a greater amount of use than would be considered normal for a house. This excessive use creates a need to have the area cleaned much more often. The extra cleaning in itself can be detrimental to the furnishings if not performed properly. A provider of office cleaning services will follow a specific and standard procedure to ensure proper cleaning takes place while protecting the integrity of the furnishings and fixtures. Because offices typically have a large number of computer and electronic devices anti static cleaning solutions are critical to reduce the damaging effects of static electricity on those pieces of equipment. Many companies have large area of carpeted flooring.

It is important to note that it is becoming more and more popular for office cleaning contractors to use “green cleaning” practices. The use of environmentally friendly cleaning solvents is beneficial to the occupants of the area being cleaned. This actually has been proven to reduce sick time and improve productivity in the workplace. Many companies that provide cleaning services are becoming Green Certified. Green cleaning methods follow a strict guideline that has been established for these activities. Just using products that are considered environmentally safe is not enough to be claim the service provided meets the Green Certification standard. Proper training and proper procedures in using the proper chemicals go hand in hand in performing green cleaning activities.

Unlike cleaning a house, providing commercial cleaning services requires skilled employees who are properly trained using accepted methods with the right equipment for the task at hand. Established companies that perform office cleaning services are able to meet the particular needs of most businesses. While some may require special services such as medical offices and high tech operations with clean rooms, most services can be supplied by the vast majority of janitorial service companies. At a bare minimum, office cleaning companies should be equipped to clean large carpeted …

How Amortization Schedules Really Operate

In terms of interest and principal balance, would you want to know how your lender comes up with what portion of every amount is paid on your mortgage each month? They frequently utilize a table that details each periodic payment on your mortgage. Enter the amortization schedule.

The process of paying off a loan over a period of time through a recurring schedule of payments is what the word amortization really means. This is very often a debt or house mortgage. The mortgage’s interest is a part of what you pay monthly. You also end up paying the principal balance with whatever extra amount is left after paying the interest. The percentage of your pay-off each month that applies to the interest and the principal is what your amortization schedule determines.

Even if every month your payment is deducted for both the interest and the principal, the specific monthly ratio actually varies. When you wish to determine what part of your money goes to which balance, you utilize an amortization schedule. The bulk of your money goes toward the interest at the start of your repayment plan. You start paying more on the principal the later into your mortgage repayment period you get.

To complicate matters further, there is more than just one type of amortization. Amortization can go a straight line (linear) form or have a diminishing balance. It can also be an annuity or a bullet, meaning it happens all at once. There is also a concept known as negative amortization, which means the balance increases.

Additionally, amortization schedules are sequential in nature. One month after the loan has been taken out is when the initial pay-off transpires. The final pay-off is presumed to pay off the entire balance of the loan in full. Your last payment will probably vary a little from all other prior payments.

Finally, an amortization schedule can also display the interest or principal amount that you’ve paid up until a specific point. Instantly after you’ve done your most recent pay-off, it will also show what remains on the principal balance. In general, it can prove to be a crucially useful document in managing your debt or mortgage payments, if you learn to read your amortization schedule.…

Office Cleaning Made Easy

A clean and ordered employment atmosphere is fundamental to boost productiveness. How would your clients react if they strolled into your office to find piles of paperwork in all quarters, soiled carpets and disorganised desks?

If I entered into such an office, I would turn around and leave straight away and I gamble you would too. With that mind set I’ll share with you some effortless to administer office cleaning secrets to assist keep your business glistening clean at all time, be it a city business or a home office.

In most cases town business units are cleaned by specialist recognized cleaning organisations but there are certain things that can be done to help better the cleanliness of these work places.

This initial tip might sound obsolete but you would be astonished how many business units still haven’t applied it to their work environment. Reduce paper disarray by bringing in a digital filing system.

It’s likely your corporation already has a network, and that’s a great starting point. Next comes a complete reconstruct of the network’s file structure. This will take some time and choosy consideration. A general rule-of-thumb is that an effective digital file system – when compartmentalized – reflects exactly how the organisation is organised and leaves room for future amendment and likely change.

Conceive a cleaning and organisation inspection group, the idea here is to appoint two or three employees, depending on the amount of your workforce, to go around the office inspecting tables and drawers.

This analysis team should address directly to the office head or to you. They should give out warnings for those who don’t keep their workstation organised and then issue penalties. That way you will incite your team to keep their tables and drawers organised at all times.

For home office people you will have to be your own inspectors, even though you might not get anyone visiting your office. Remember what was said in the beginning of this article – A clean and organised workplace boosts productiveness.

Incite recycling by adding recycling bins in your office’s kitchen and around the office. Pick a day of the week to do a “paper recycling day”. You can use the cleaning and organization inspection team to go around the office asking for people to dispose of aged paper work that can’t be filed.

Professional help

As my last piece of advice, I would advocate you request professional help to improve even more the cleanliness and hygiene of your office. Hire an office cleaning business and get them to do the dirty work for you.…

Picking a Professional Office Cleaning Company

So you have decided that hiring a professional office cleaning company is a more reliable, effective, and efficient manner of maintaining the cleanliness and sanitation of your offices. You are not alone. Property management companies, facilities directors, and office managers for large and small companies depend on professional office cleaners to maintain a clean and sanitary office. Unfortunately, in any given city there are likely several reputable companies that offer first class cleaning services, so how do you go about picking a professional office cleaning company that meets your needs? After all, you want to make sure that you hire a company that has the necessary skills and knowledge to maintain your offices so that you can present the best first impression to potential clients and even employees.

Understand your Needs

Before you start contacting different cleaning companies, you want to make sure you fully understand your own needs. Do you require only basic cleaning services? Do you have a kitchen that needs cleaning? How often do you need garbage and recycling removed? To get ready to meet with potential cleaners, you should first prepare an exhaustive list of all your cleaning needs. Not all professional office cleaning companies will offer the same services, so you want to choose a company that will address your needs effectively.

You also want to consider whether you have specialized cleaning needs. You may have floors that need to be waxed and polished; you may require biohazard disposal; or you may have employees with allergies requiring the use of specialized cleaning products. The more information you can provide cleaning contractors, the more likely you will be to find the right cleaner for your company.

Consider your Budget

Obviously, budget is going to have a significant impact on the cleaning company you hire. While it is not generally recommended to go with the cheapest cleaner simply by virtue of being cheapest, you also need to ensure that your cleaning needs are met within your budget.

Always ask for Estimates

Not only do you need to consider your budget, but you also want to compare estimates from various companies. Ideally, you want to compose a list of suitable professional cleaning companies and contact each for an estimate. Most of the time, you’ll want to meet with each of these companies to discuss your needs and budget to determine if they can provide the services you want at a reasonable price.

Seek Recommendations and References

Before hiring a particular cleaning company, it is always best to get recommendations from associates or business partners. Hiring a cleaning company will only save you time, money, and effort if they are professional and trustworthy. By getting references, you can check the track record of potential cleaners and choose one that has an impeccable reputation.

Hiring a reputable and professional office cleaning company is not exactly rocket science, but you should still take some time to carefully vet potential cleaners so that you know your …

Office Cleaning Businesses Might Not Make Millions, But They Will Tidy Up The Place

There is a list of great reasons to start an office cleaning business. For anyone hoping to be self-employed and manage their own work life, cleaning may be the best choice for a startup company. The cleaning business is a competitive market and the number of establishments that need the services demands a large work force. This environment makes the field a great one in which to be an entrepreneur.

Starting an office cleaning business can be done inexpensively. Startup costs are usually less than two hundred dollars for basic supplies. Cheap entry into the cleaning business makes it easy for people on any budget to enter the field.

Many people believe that office cleaning is easy money. They have the image that office spaces do not get dirty and that it will take a small amount of effort to do the work. A lazy attitude can aid workers in the office cleaning business that do thorough work. Hardworking entrepreneurs can competitively edge out other businesses that have an opinion that the office space is not dirty.

It is not uncommon for office cleaning companies to triple, or quadruple in size each year for the first few years. The most ambitious individuals have seen profits, in a first year business, up to $100,000. Compared to most other startup companies that do not see profits for nearly five years, this is a pleasant outlook.

A beginning cleaning business does not need employees to function well. One individual can begin work by him or herself and achieve fulltime pay within several months. Using continued business promotion, companies can hire employees and have a large base of locations to clean.

The key to success in the industry is to remain working with competitive pricing and thorough investment. The best cleaners will not be rooted out of jobs, and a company with low service fees will have the solid foundation for future work. It may even be to the advantage of this business style to remain smaller, with fewer employees, keeping quality control under close monitoring.…

Lending Finance – Tips on Where to Look

Many people at one time or the other need money for a business, a project or even to help clear outstanding debts. There are many areas where you can access funding. It is necessary that you carefully look at the options available to you and choose what suits your situation best. You can look for financing from friends and family. The advantage of this type of arrangement is that usually there are no additional interest rates or hidden fees. However, it is important that you put it down in writing because many of these relationships have gone sour because of money.

It should be agreed by both parties on the terms and conditions of repayment. This way, everybody gets what they want. The most common type of finance lending is the bank loan. Many people go for this option without fully understanding what they are getting themselves into. However, for you to get a bank loan, the lenders will look at your credit history. This can put off individuals with bad credit history and even if there are lenders out there willing to give you credit, you will have to pay high interest rates.

You can look at the option of private lending whereby you borrow money from lenders who are not financed by the government. This will also require you to pay high interest rates because of the risk involved. These lenders have their own policies but they have to have specific requirements as per the law. In comparison to the conventional lenders it is easier to borrow from private lenders.

In addition, the process is less formal, and the criteria they use are fewer. You also get customized solutions that will meet your needs through private lending. Whichever method you choose to use to acquire funding, it is important that you feel comfortable with the terms.…

Office Cleaning Service: Tips For Hiring

It is important that an office always looks good. Not only does this mean that you are able to work to a higher standard and more efficiently, but it also means that it gives a good impression to anybody that visits your company. Unfortunately, it can be quite costly to hire a company to clean your office, but it is just something that is required. This page will help you to consider how you could go about hiring the perfect company for your needs.

You should take into account what your office actually requires. If you have the type of business that means that people are coming in and out for meetings on a daily basis, then you may need a cleaning company that could provide staff who would remain in your office throughout the day. If there are not many visitors, then it may suffice to simply hire somebody to visit your office once every evening when the rest of the staff have gone home. You should also check that the company in question offers the services that you need. Ensure that everything that you need to be done will be covered. It is a good idea to check if anybody in your office is allergic to any specific cleaning products, and ensure that you do not hire a company that uses these.

You also need to consider how much each of these companies will charge. If you know your budget, then this means that you may be able to negotiate with the cleaning companies in order to come to a compromise that is beneficial to both parties.

It is also important to consider the reputation of the company that you wish to hire. To do this, you should make use of the internet to read any customer reviews that are available. This is a good way to find out whether companies will be able to deliver what they claim to. It might also be a good idea to make a trip to the company’s office to get a feel of who they are, and what they have to offer.

Once you have made a shortlist, you should encourage companies to offer you a trial period, as this means that you will truly be able to make the right decision based on your experiences. Hopefully this means that you will find the perfect company to keep your office clean.…

Picking the Right Ingredients For Home Made Cleaners

A lot of different ingredients turn up in recipes for natural cleaning products. And you’ve got to wonder whether some of them are all that natural or not. “Natural” is a bit of an ambiguous term that isn’t really clarified. It certainly doesn’t mean “organic” or “of vegetable origin”. Not all “natural” cleaners are organic (e.g. baking soda, which is mined) or of vegetable origin (e.g. soap, which often contains animal fats (tallow)).

Some writers have a very loose definition of “natural” when writing recipes for home-made house cleaning products and tend to mean something like “any raw ingredient that you can buy cheaply in your local shop and use to make your own products.”

By “natural”, this writer tends to mean “has the minimal possible effect on the user and the environment throughout the life of the product from extraction/manufacture to breakdown”.

Ingredients that are used for making home-made cleaning products can be divided into Organic and Inorganic, and into Nice (meaning that the product has a low impact on the environment and does not expose you to a barrage of toxins and/or horrible smells when you use it) and Nasty (meaning that the substance is poisonous, noxious or repulsive). And it’s not the case that everything organic is Nice while everything not organic is Nasty. No – you find things in all four possible categories.

All the ingredients listed below have been used in home cleaning products at some stage or another. Use the lists to help you select what’s right for you.

Organic and Nice:

* vinegar

* essential oils

* glycerine

* alcohol (either ethyl alcohol or some strong spirit from your local liquor store)

* cornstarch

* sugar

* lemons

* beeswax

* olive oil (and any other sort of vegetable oil)

* soap (which also contains some inorganic ingredients)

* potash – make your own by taking the ashes from your fireplace (if you burn wood) and making sure they’re ground finely.

Inorganic and Nice:

* baking soda

* sand

* salt

* petroleum jelly (aka Vaseline). It’s a petrochemical by-product so is bordering on Nasty, but it is fairly low in toxins when you use it.

* fuller’s earth

* borax

* water

Organic and Nasty. Few recipes for cleaning products use these nowadays, but they did in the past. Just have a look at the original Mrs Beeton if you don’t believe me.

* ox gall

* human urine (used as a bleach)

* (possibly) saliva – where did you think the phrase “spit and polish” came from?

Inorganic and Nasty. These ingredients really did turn up in a book on how to make “natural” home cleaning products. If you are switching to natural cleaners in order to reduce the toxins you are exposed to, forget it. If you are making your own cleaners to save money, you may consider these. Your choice. But remember the golden rule for products in this category: NEVER …

While you might find a decent position through online job forums, the best jobs are found through having the right connections. Perhaps you already know this and have looked around at Boston staffing agencies to partner with. If so, you’re ahead of the curve. If not, that’s okay. No matter where you are in your job search, the right staffing agency can propel you to bigger and better things.

To put yourself in a good position, you need to include only the top agencies in your network. Consider these tips for finding an agency that can connect you with unique opportunities.

Do They Sculpt Their Network?

If you want to know what someone’s like, then look at who they’ve surrounded themselves with. The same holds true for staffing agencies. A quality staffing agency will only partner with quality companies that offer attractive jobs. Before committing to an agency, ask them what industries and companies they work with. You want to make sure you’ll like the places you may work for.

Do They Build Relationships?

Networking and building relationships are two different things, so be careful. A good staffing agency won’t treat you as another disposable worker they can make money off of. Rather, they should get to know you beyond your resume. What are your career goals and aspirations? What do you want to get out of a position? If they’re not asking you these things, then you may want to keep looking.

Do They Carry a Reputation?

A staffing agency that’s experienced success in your local area should have a positive reputation. Whether you ask connections or search online, do your research and determine what an agency is known for. If you find they have high hire rates and positive employee reviews, then you know you’ve found a good place to work with. Agencies can say what they want, but proven results add weight to their promises.

Searching for a job can be a long journey, but you don’t have to go it alone. Pick a prestigious agency, and let their staff find the right position for you.…

After the Rain Falls

Into the life of every cleaning business owner, a little extra, helpful knowledge will fall.

Well, not exactly as poetic as it could be, but the point is you never know when some little trick of the cleaning service trade might help you land that all important office cleaning contract.

Take this scenario for instance.

Late at night, the deadline looms. Bleary-eyed, the dedicated office worker labors over their computer, putting the finishing touches on a special project due in the morning.

Then the absolute worst happens. In an attempt to keep awake, the dedicated person has grabbed a forbidden soda or cup of coffee and put it on their desk next to their computer screen (gasp!). An unguarded gesture, a run-away elbow, and the soda or coffee winds up spilling all over the keyboard.

Oh my-

First and foremost, advise the person to turn off the computer immediately. Or at the least disconnect the keyboard from the computer. Next, quickly flip the keyboard over and shake it above a neutral surface, like an empty table or countertop, to clear the keyboard of as much liquid as possible.

While the keyboard is still upside down, press a clean cloth or a pad of paper towels on the affected area to absorb yet more liquid. If possible, moisten a cotton ball or the tip of a clean cloth with isopropyl alcohol and run it over the affected area to help dry up any remaining liquid. Inform the person that it’s important to leave the keyboard upside down to dry completely-at least 12 hours-before turning it back on.

Assure the dedicated worker and your client-who, by the way, does not have tech person-if they follow these simple steps, they stand a good chance of saving the keyboard. Because as a wise sage once said, liquid spilled on a keyboard isn’t always fatal, to the keyboard and hopefully, the person who tried to drown it.…

Benefits of Hiring a Professional Office Cleaning Company

The overall condition of your office is important for making a positive first impression for clients and staff members alike. Moreover, a clean and well-organized office is much more conducive to productivity as employees can focus on the important tasks at hand rather than maintaining the cleanliness of their workspaces. A professional office cleaning company is contracted to provide customized cleaning services so that your offices are always clean, comfortable, and presentable. Yet, many business owners choose not to hire professionals and instead rely on current employees to maintain the office. But while some business owners may feel the savings offered by not hiring a professional cleaner is reason enough to leave the task to current employees, the fact remains that there are many benefits of working with a professional office cleaning company.

Customized Cleaning

One of the main benefits of hiring a professional office cleaning company is the fact that you can customize your cleaning needs. Some offices are much busier than others and may need garbage and recycling removal on a daily basis, while small business owners may prefer this service less frequently. Do you have floors that need to be washed and buffered, or are your offices carpeted? Do you have a shared kitchen that requires daily or weekly cleaning? Do your offices have many windows that require internal and external cleaning? Whatever your cleaning needs, you can surely find a professional office cleaning company that can meet your needs.

Equipment

Another benefit of hiring professional office cleaners is that they already have all the necessary equipment and supplies to complete your cleaning job efficiently and effectively. Cleaning services are important for ensuring that your business and offices appear professional, but they are not often the focus of your day-to-day operations. This means that you probably have not spent the time or energy to invest in the right cleaning supplies and equipment. Professional office cleaning companies will have everything they need to keep your offices in tip-top condition.

Consistency

When you hire professionals, you have the opportunity to set and amend a cleaning schedule that makes sure your offices are always presentable. Without staffing professional cleaners, business owners are at the whim of employees who may or may not take cleaning duties seriously. Professionals will come to your office every night or every weekend to provide agreed-upon services that keep your offices looking great.

Productivity

If your employees are not concerned with cleaning their own workspaces, they free up time and energy to focus on more high-level tasks. Moreover, a clean office is a productive office as employees are more comfortable, less likely to become ill, and generally more focused on their specific duties.

Skill

Finally, professional cleaners are trained to clean. They have the skills required to ensure all aspects of your office, from the bathroom to the boardroom are kept in excellent condition. They’ll know how to address more difficult cleaning tasks professionally and effectively.

Remember, your …

Instant Cash Loans For Emergency Situations

At some point of time, everyone will feel the cringe at their pockets as their financial situation suffers some jitters. The need for emergency funds in order to cover up some credit hiccups is a common occurrence and towards this purpose, online payday loans can come as a great relief. There are various companies that offer such types of loans and it does not take some Einstein to search for them. Also known as a cash advance, it is basically a small loan that is given to an individual who has to pay it back in a short period of time. It is a rather simple and effective means of avoiding a blemish on your credit history which all would want to avoid.

These companies who lend such types of cash advances do not deem it necessary to go through one’s credit history. If the person has a Picture ID of himself, the current month’s bank statement, a pay check stub, a valid checking account and a blank check, then he is good to go for applying for such loans which banks do not allow.

When one applies for an online payday loan, he or she needs to fill out a certain application form demanded by every company. Personal information like name, address and phone number need to be recorded in the application form. It is also required to supply the agent copies of you bank statement, check stub, three names of references, and a picture ID also.

After filling out the application form and after providing all the required documents and details, the application is considered for approval. Once approved, the company writes a check for the applicant for the desired amount of money required in addition to the interest he is supposed to pay. Every U.S State Governments draw their own limitations on the amount of money that can be borrowed but in most cases the client can be given a loan from $20 to $300. Even with state mandates, establishments may vary on the maximum amount allowed. The customer is given the amount of money he requires either directly or it is wired to his account.…

Personal Finance – Four Simple Steps to Manage Cash and Build Wealth Today

Early attention to any overspending and running out of money provides a great opportunity to correct and prevent these habits from causing a serious expansion of personal debt and development of other financial problems.

Correcting your overspending as well as encouraging your wealth building need not be as difficult as many are led to believe. Some of the solicited or unsolicited advice that you receive maybe good, but may not be the right information to help you replace poor financial habits.

I recommend four simple steps to begin increasing your personal cash flow and set the stage for building your personal wealth.

1. Freeze your spending at the current level

Look at your monthly spending totals over the past three months, and calculate your average monthly spending level. By accepting your current spending level, you are minimizing or negating a sense of loss, perceived restriction, or loss of choice which can be counterproductive in your quest to control your finances. An interesting benefit will undoubtedly occurred as you review your expenses in that some expenditures clearly will be identified as unnecessary and can be eliminated or reduced immediately.

2. Determine the amount of income that will support your current spending

By applying a ceiling to your spending, you are placed in a responsible role of supporting that spending level by conducting activities that will increase cash flow in your direction to build personal wealth. You can make a conservative estimate of your projected income amount by dividing your gross income by.7. The most liberal estimate of the projected income is a calculation using your disposable income (net income) instead.

The difference between your new projected income amount and your current income is the additional amount of money needed to support your now desired spending level and to immediately eliminate your noted overspending and running out of money.

3. Develop an action plan to increase income to the new amount

Now that you know the additional money that is needed to maintain your current spending level, you can engage and focus on your creative and innovative talents to generate the additional income. This effort may have multiple options such as a promotion, job change, part-time work, starting a business, and so on. An immediate source of money is surprisingly within many homes such as things that you can sell, make, fix, or items to return. Do not hesitate to offer a service to sell items for your neighbor for immediate cash.

4. Disburse any overage or surplus of cash equally to three separate accounts

Do not be surprise if you generate a surplus when you take action. If so, begin by depositing the amount in three separate accounts named Pay Your Self First, Contributions, and Reserve. A recommended amount is 10% more or less into each account.

Immediate attention to these signs will allow you to gain control of your personal finances and help you to get an …

Janitorial Service

Many company owners, looking to save a few dollars, will attempt to tackle every one of the issues from the office on their own, such as the maintenance and cleaning. Exactly why pay anyone to do something that you can do yourself? Well, there are lots of answers to that query. All of them indicate the truth that even during a down economy it may be very reasonable and incredibly beneficial to use outsourcing for such things as a janitorial service along with other tasks not immediately associated with the running of one’s business.

Your Time And Energy is Valuable

While you or someone on your own staff could carry out the workplace cleaning-scrubbing the lavatories, disposing of all of the trash, attempting to keep the windows and also break room clean-the fact is that your precious time is valuable which means the time of your workers is valuable for you when it comes to the things they can produce. You can generate a lot more profit working exclusively to enhance your company than you are able to by spending too much time attempting to keep up with the office cleanliness. You focus on being the very best and most effective for your kind of business and janitorial companies concentrate on being the very best and most effective in carrying out a janitorial service. They are able to get and keep your workplace thoroughly clean faster than you can, which usually helps you save cash in big picture. Outsourcing implies sticking with your specific specialty rather than spreading your own resources too thin. Both you and your team have the freedom to build up your product or service, your current relationships together with clients, etc rather than spending time with a stick sprucing up the tile grout!

A Janitorial Service Understands the Cleaning Process Much Better

While you or your personnel might think you understand the easiest method to maintain and clean the office, a janitorial service specializes in this procedure having tested out the actual correct cleaning items and cleaning routines. It can save you yourself from worry, understanding that the specialists are currently taking good care of your facility. Additionally if you’re unsatisfied with the level of quality of a particular service it’s much simpler to locate a new service as compared to it could be to fire an in-house worker whose overall performance isn’t living up to all your cleaning standards.

Make Big Savings for Your Business Targets

We’ve already proven that it doesn’t make a lot of sense with regard to you carrying out the office cleaning on your own, but how about employing a number of full or part-time employees to deal with the janitorial service? Won’t this result in costing you less over hiring out the actual facilities routine maintenance? The truth is, you’ll be spending more cash on workers who offer you no substantial advantage of your primary business aims.

With a janitorial service, you only pay for your office cleaning …

5 Simple Steps to Jumpstart Your Financial Education

Your financial education is extremely important especially during this time of recession, because I believe that money affects not only our financial life but the other important aspects of our life as well… family, health, work, emotions, etc.

It actually doesn’t matter if you’re making a five- or six-figure-income; what matters is how much is left with you at the end of the month and for how long you are able to keep it. If you want take control of your finances, make your money work for you, you should start not tomorrow but TODAY. You need to invest time in learning, expanding your financial education, and executing what you learn.

Here are 5 simple steps to help jumpstart your financial education:

• Instead of being a couch potato, READ (actually devour) books about money and success! Read first The Science of Getting Rich by Wallace Wattles. This is to get you in the proper mindset, that there is indeed a science of getting rich, and there are people who are sharing the secrets to true wealth.

• Get financial mentors – be very careful to whom you listen to because you’re more likely to end up like them. Study the rich and learn their secrets. Again, get off that couch!

• Start a small business on the side – sell sandwiches, sell clothing, sell insurance, sell bags, sell vitamins, sell real estate, sell anything! Don’t stop trying even if you keep on failing. What’s important now is what you learn and not what you earn!

• Set aside 3 to 4 hours a week to play CASHFLOW 101:

“CASHFLOW 101 was invented by best-selling author of the Rich Dad series, Robert Kiyosaki. It is a revolutionary, fun way to learn the basics of fundamental investing and how to take control of your personal finances, build a business through proper cash flow management, and learn how to invest with greater confidence in real estate and other businesses. It was created for the sole purpose of teaching financial literacy, elevate your financial IQ, and how to be a master of money.”

This particular game greatly helped me and continues to help me in shifting my mindset from employee to entrepreneur. It’s not that easy especially for someone like me who was an employee for more than 8 years and was ‘addicted’ to a paycheck.

• Immerse yourself on seminars on money and financial success. This way, you’ll also get to meet like-minded people, and you can learn from each other.

It doesn’t matter where you start. The most important is to take a step forward. With these 5 simple steps, when do you plan to start your journey?

“You must pay the price if you wish to secure the blessings.” – Andrew Jackson…

Four Appealing Traits of a Successful Janitorial Service

The day that Jake Williams ran into his old friend from school and found that he too was in need of a job was the day that he first thought of forming an office cleaning company. He had been racking his brain and trying to come up with something that would not take too much of an initial investment but would rely instead on hard work and discipline. Jake knew that he had that kind of fortitude and was willing to bet that his friend Pete did also. The tricky part was that he had to schedule everything around his college classes and he had to offer a superior finished product in order to gain customers who would contract with him. Jake found that he had good luck getting companies to use his janitorial services because he became so enthused when he would describe what he could do to make their offices shine. As the company took on more and more clients, Jake and Pete found that they were becoming successful and they decided to make it a full time business with college classes postponed to sometime in the future. They both agreed that they needed to take advantage of the client base they had built up immediately to tap into what they both considered a bright future. Many of their customers listed these reasons for contracting with them:

• Promptness – When Jake scheduled with a company he made sure that he and Pete were there exactly when they said they would be. Businesses especially like to have workplace areas cleaned at night so that everything is ready to go when their employees arrive in the morning so they found that much of their work was scheduled during the overnight hours and they were prompt and efficient in their work.

• Superior finished product – Jake and Pete actually asked a retired former owner of a business such as they wanted to start to train them on a paid basis. Following his direction, they became skilled learning the best methods to use and the most fitting equipment for each job. When they actually started working for their clients, this experience was absolutely invaluable. It prompted them to truly give attention to detail while performing their job and gave them confidence in their abilities.

• Reasonable rates – Knowing that businesses become successful when they can gain a loyal following, Jake and Pete concentrated on providing good work for a reasonable rate. They offered discounts for long term commitments to use their company and tried to rely on word of mouth recommendations to build the company reputation. They also offered an option for payment either weekly, monthly or even annually depending on the preference of the client.

• Flexibility on company preferences – As businesses grow or change direction it is sometimes necessary to revise whatever schedules or clean-up routines have been agreed upon. Jake and Pete made it a priority to …

How to Use Business Statistics to Build a Marketing Plan

Analyzing the current market allows you to take a good look at your competitors and where you stand as a business within the market. Are you leading the market or are you far behind from being at the top? Business statistics allow you to see where you are with your product or service. This data not only gives you a ranking, but also allows you to determine what your strong points are and areas that need development and improvement. In addition, you will be able to see areas within the marketplace that are opportunities.

Building a marketing strategy cannot be done without using business statistics. This is because a marketing strategy is designed for branding a company by building a name customers trust and remember. If you don’t know where you stand with the competitors in the market, then it is difficult to build a strategy that will work. A strategy needs to consist of creating a larger customer base, forging ahead of the competitors, building a better product, and a name that customers trust.

Once a marketing strategy has been determined for a company, the steps to accomplish it must be put in place. These steps will be the methods of marketing which work best to achieve the goals set in place. Business statistics can help determine which marketing techniques will work best to achieve the expected outcome. Having the right steps in place to achieve your marketing goals are important if you want the marketing plan to be successful. Statistics can provide data for which techniques and steps have worked for other businesses and also provide information about those that have failed. This way, you can learn from others mistakes.

Business statistics also allow you to determine the approximate cost of a marketing plan also. This information might be the amount of money your competitors spent on their strategies to succeed or it might include internal data of previous years and the amount of money you have spent.

The time it will take for a marketing plan to be planned, designed, and implemented can also be estimated or determined through the use of business statistics. If you have never designed a marketing plan before, then researching market data will be very useful to you. Creating a realistic timeline is very important. The last thing you want to do is underestimate a project by a month or two and be working for free.

A marketing plan relies almost entirely on business statistics and current market data regarding competition, successful techniques, cost, and even the time the project will take. Research is required for total success with a marketing plan to effectively brand a company and build a name customers trust.…

Are Office Cleaning Services At Commercial Places Worthy?

In the modern times we live in today, most of the businesses we see everyday are looking for ways to increase their activity and productivity levels. To ensure that they make the maximum amount of profits out of their invested money, business owners employ a range of strategies that seldom provide fruitful results.

Moreover, the companies are interested in reducing the levels of cost to retain profits. In such circumstances, the best way to increase productivity levels is to invest some money into hiring office cleaning services. It is an established fact that cluttered workplaces are obstructive for employees’ morale and productivity levels. Clean and tidy places keep workers happier and make the workplaces more conducive to work at.

Office cleaning services are relatively low at cost compared to the total cost of employing conventional cleaning methods. The service is worthy mainly because of the quality of services rendered, which make the workplace professional and organized.

Before you finalize a commercial cleaning service, be sure to take quotes from at least top three commercial cleaning service companies. A professional company would always want to meet you and take a tour of your facility before drawing up a quote. Each place is different in size and architecture, so the cost will vary as per the effort required to put in.

When you meet a salesperson, you should look how well groomed s/he is. This tells about the professionalism of the company. Look how neat are their hands, clothes and other things. Are they confident in their speech about their company? Moving to the details about their company, read the literature they provide in detail. The quality and quantity of information provided is an indicator of the kind of services rendered.

Look whether the person is friendly, enthusiastic and interested in working with your organization. Assess how good the salesperson is in locating the deficiencies in the system installed at your workplace. Also, consider the questions that you are asked to evaluate how well they have understood the structure of the systems installed at the workplace.

The best commercial cleaning service company will be able to deliver the best services in the following areas:

1. Odors in different parts of the office

2. Mineral deposits accumulated in drinking fountains

3. Dull, spotted and stained metal surfaces

4. Mineral and soap deposits accumulated on rest room faucets

5. Dust accumulated behind computers and at places above eye level

6. Heavy stains on carpets and floors

7. Dull finishes and wax build up on tile floors…

There are countless factors at play in the success or failure of any particular eatery. While some simply suffer from poor management or subpar food, there are more specific issues that can plague even the most iconic restaurant around. If you are looking for some easy ways to increase your restaurants reputation, there are some surefire ways to set off on the right path. Keep reading for some easy steps you can take toward long-term success and growth.

Offer More Convenience

Sure, diners at the typical fast food establishment are typically looking for something fast and affordable. But that does not mean those in more upscale establishments should ignore the value aspect of the experience. Give the people what they want and they will be sure to come back in the future. This might include expanding the typical offerings to include something to bring in a different crowd. For example, finding out how to get an alcohol permit in Dallas TX could be a consideration in some circumstances.

Offer Better Service

There might be a premium on convenience, but even when that is not possible, service can make all the difference. Making things correctly from the beginning or ensuring that they are made right by the time a customer leaves will ensure everyone leaves with a positive impression. Sure, it is impossible to please everyone. Making each customer’s satisfaction a priority, however, is a great place to start.

Offer Greater Value

First of all, value is not the same as cheap. Even fine dining restaurants must provide value for their expensive dinners. Make sure customers leave with the surety that they reveived the most for their money.
Despite the many intricacies of running a successful restaurant, the guidelines listed above will offer a handy point of reference for anyone in the field.…

Commercial Cleaning – Will Your Premises Pass the White Glove Test?

Commercial cleaning is an area that every business, large or small, should consider carefully. Cleaning a workplace must be a priority. Fresh clean workspaces not only benefit workers but they also impress customers and clients.

Worried About The Standard of Cleaning?

If your workplace cleaning is not up scratch chances are that staff and customers might also be affected. Staff morale can get down if they constantly feel their surroundings are not cared for. Plus there are bacteria that can spread and cause downtime.

Customers and clients will notice:

* Dust

* Smears on glass

* Dirt on floors

* Stained carpet

* Coffee mug rings on tables

* Unnecessary clutter

* Overflowing bins

* Smells

You can almost be assured that if you have concerns, others probably do also.

There are many reasons why businesses don’t look for a commercial cleaning service:

* Worried About Expense – a good service will probably save you money in the long run. By using the proper cleaning equipment they can be done in less time to a higher standard.

* Think Their Business Is Too Small – This simply isn’t true. Even one person running a business from a home office can benefit from professional cleaning routine. If you are holding client meetings in your home office show them you take your business seriously by a high standard of cleanliness.

* Have an existing cleaner – be brutally your cleaner really effective and consistent at having the workplace perfectly clean every day? The worst thing about the cleaner you might have had for years is complacency. Continually hiring and firing has a negative effect as well. Commercial cleaners will always ensure a cleaner is there at scheduled times and the cleaning is always completed to the same exacting standards.

* Other Staff Take Care Of Cleaning – this really is not an optimal way to clean a workplace. Staff who are employed in other areas generally resent cleaning. It can cause unrest if some clean more than others and may not see them available at all times for their regular position. Saving money in this way rarely works.

* You Clean Your Own Business Place – This probably the worst case scenario. If you are running a business you can’t expect to be able to clean your premises to a commercial standard regularly. There will always be times that you miss areas because of other commitments. Things that are missed begin to compound and the busier you get the more you think a quick go over will do. It won’t and this affects the performance of the business.

Cleanliness Checklist

Here are just some of the things that need to get done on a regular basis in a workplace with kitchen and bathroom facilities. There is a lot more to commercial cleaning than tidying up and a quick vacuum:

* Dust all surfaces both visible and hidden

* Wipe all surfaces …

How to Start a Cleaning Business – The Critical Importance of Systems

Take a close look inside any service business start up, and you’ll very often see the same picture. An owner/operator stuck balancing the drive for new business and getting existing business serviced, all the while trying to pay the bills and answer phones. One of the recurring themes that you’ll hear from us at the How to Start a Cleaning Business Blog is the importance of putting systems in place early on so that all parts of the business function smoothly whether you’re there or not.

Every aspect of the business needs to be systemized in the company’s infancy so that down the line you’re offering a consistent product at a reasonable price, growing your business steadily without pulling your hair out, and getting paid to do the work that you’ve just finished.

Here are three of the most vital areas of the cleaning business start up that need to be systemized when the doors open.

Develop a marketing strategy

Many cleaning business entrepreneurs immediately shy away when we begin discussing marketing. It’s one of the areas that they know they need to dial in and focus on, but don’t have a clear enough picture of what should be happening with marketing to take control of it. We’re not saying that you need to spend vast sums of money on marketing here. But before you spend $1 on ANY form of marketing or advertising, you need to understand your demographic and your market so that once that first marketing dollar leaves your wallet, you can effectively evaluate whether or not it was money well spent. You’re never going to get it right each and every time you employ a marketing strategy. That’s why you MUST be able to evaluate your efforts.

Develop an operational checklist

It’s an inevitable situation. You start the business cleaning properties yourself along with your two trusty employees. Then you get the call that your child is sick and needs to be picked up from school. You leave your two fantastic employees to finish the last three houses of the day and that evening, the calls start to come in. They missed the master bathroom at the Jones house. They completely forgot the kitchen counters at the Smith residence. And guess who gets to go back and literally “clean up the mess” tomorrow. Yes, you do. An operational checklist is absolutely critical in the cleaning industry. When you go to McDonald’s do you think they just guess at how long to cook your fries or what they’ll put on your hamburger for toppings? No, they don’t. They deliver the same product each and every time. And you must do that as well in order to manage and meet customer expectations.

Employ a communications strategy

Far too many cleaning business owners are coming close to the edge of sanity each and every day trying to balance operations and coordinating communication with prospective customers and existing …