Marista's Cuba Business The Importance Of Hiring A Licensed Plumber

The Importance Of Hiring A Licensed Plumber

May 4, 2020May 4, 2020| adminadmin| 0 Comment| 12:00 am
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There are many plumbers out there,but the one who will make your life easier and not cost you a lot of money is the one who has the proper license. There are many things that can go wrong with your plumbing and it can be very frustrating trying to figure out what needs to be done,but when you get a plumber it’s like having two eyes in the middle of the work so you don’t need to worry about it. Getting a plumber to help you with your plumbing issues is just like getting an assistant to help you get work done around the house,it’s that easy. But the one thing that you need to keep in mind is if you have a plumber who doesn’t have the proper license it can mean a lot of headaches for you,and you will probably pay more than you need to pay. And this is one of the reasons why it’s important to be sure you know how to choose a plumber before you hire one. Here are some things that you should take into consideration before you hire a plumber:

Make sure the plumber has a license and they are bonded. The law says that you cannot have a person who is not bonded practicing their profession and the same goes for plumbers,because it can be dangerous and potentially life threatening to have someone who does not have proper licenses or who has not gone through the required training. A plumber will want to make sure that you are not dangerous,because if they are working on your home they may end up using one of your pipes that has burst and you may suffer a lot of damage to your body if they are not properly trained or licensed. Even if they are well trained they could get into trouble if they were to use a service that they did not know about.

If the plumber you hired says that they have been properly trained,the only thing you need to be wary of is if they are willing to stand behind their products or not. You need to make sure that the plumber has been properly trained in order to make sure that they know what they are doing. With the right plumber,you will be able to use them at your home in no time,and they will be well trained and willing to stand behind their products.

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Honesty Is The Best Financial PolicyHonesty Is The Best Financial Policy

November 27, 2018November 27, 2018| adminadmin| 0 Comment| 12:00 am

By John Sage sales coach

Congratulations! You’ve made it to the next instalment in my Guidelines of Life blog site series. In the last edition,we discussed the value of having guidelines,how to produce your own guidelines,and a couple of other tips to adopt a wealth state of mind.

Let’s not lose at any time and get to the next 3 rules. These are a bit various than the last,and I want you to believe about the time you invest showing and evaluating past choices.

Rule Five: Know thyself

Do you truly know yourself? No,I indicate do you actually know yourself? Do you understand your habits,failures,successes,insecurities,etc.? The response may shock you.
We have blinders on in our everyday lives. It doesn’t matter whether you’re driving to the donut shop or signing a multi-million-dollar property investment offer,you’re probably not looking carefully in the mirror.

The thing is,all of the finest investors in the world know themselves inside and out and you can too with a bit of practice.

It’s everything about comprehending your procedure for examining investment choices. If you can establish a system to objectively comprehend the risk and benefits of a choice,you’ll make much better decisions in the long-run.

Click here for more from John Sage sales coach

Rule 6: Values and value exchange

I desire to stop for a minute to make one thing clear: these are 2 various things that I’m describing.

Ethics are the bypassing concepts that assist you throughout life. They’re your morals and assist to keep you from losing control of your life. With these ethics,browsing struggling waters becomes much easier as you essentially already have a roadmap to use to base all of your choices.

Value exchange,on the other hand,refers to the process of wealth exchange. To build wealth,you need to give something of value on your side of the exchange.
You can’t have one without the other,and if you desire to prosper and adopt a wealthy frame of mind,you need to establish worths that you can then exchange. To put it just,to develop wealth,you require to add worth.

Rule 7: Integrity

Anybody can lie,cheat,or take in the investing world. In truth,Hollywood movies like WallStreet and others show this practice and have actually moved the public’s perception. Let me tell you something: you won’t make it really far in the long-run without some stability.

Individuals capture on to the liars and cheats in the investing world,and although you could get some short-term success,it will go out,and your reputation will be trash.
So,to top off this blog site post,I desire to sum up a number of points:

  • To make it throughout life, you need to know yourself. You require to come in person with your successes, failures, fears, requirements, and desires.
  • You likewise need to define your core values in life. What concepts assist you? When you can determine this, you can begin adding value to wealth exchanges.
  • â? Finally,you require to have integrity and do whatever honestly. It might take longer to see success, but you’ll have better luck in the long-run, develop more powerful relationships, and more stable wealth.

John Sage Sales Coach – Direct To Your Inbox

The last three rules await you in my next blog site. Register for this blog and follow me on social media to never miss out on an upgrade! www.johnsage.com.au

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Top 5 Reasons Businesses Should Use ACH Payment Processing For Recurring PaymentsTop 5 Reasons Businesses Should Use ACH Payment Processing For Recurring Payments

March 21, 2023March 21, 2023| GaryNunezGaryNunez| 0 Comment| 4:50 am

ACH Payment Processing is ideal for recurring payments where the business is collecting regular payments for services or goods. Subscription billers should all be using ACH payments.

Here are the Top Reasons:

  1. ACH Payment processing costs are 80-90%+ less expensive than comparable credit card payments. As an example, if the payment amount is $100 and the customer pays via credit card it’s likely the average cost to process the payment is 2.5% or $2.50. Using ACH that same payment might cost 30 cents saving 88%. If you are collecting hundreds or thousands of payments you are adding 2.2% to your profit margin
  2. ACH Payment decline rates are significantly lower than credit cards. Think about the last time you changed bank accounts versus the last time your credit card changed. Decline rates for credit cards can easily exceed 10%. In the ACH world decline rates for recurring ACH billing are usually sub 2%. The amount of work involved with updating credit cards can be staggering
  3. Customers like payment options. Providing more than a credit card payment option makes it easier to get autopay adoption. Go to most any gym and sign up for monthly membership. You will hear “We can debit your checking account or credit card. Which would you prefer?”
  4.  Automated ACH Payments create reliable, smooth cash flow. Knowing you can count on $X/month hitting your bank account makes paying out rent and salaries much less stressful on the business owner
  5. AutoPay via ACH significantly reduces payment collection costs. Not having to invoice and process paper save businesses $100 or more per customer, year over year

So if you collect recurring payments via ACH Payment Processing is an absolute must.

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Debt Relief And Queries Asked About Debts That Are “Charged Off”Debt Relief And Queries Asked About Debts That Are “Charged Off”

May 20, 2019May 20, 2019| adminadmin| 0 Comment| 12:00 am

Charged off debt is the step taken by your creditors when you are not able to settle off or continue on with your regular bill payments. But this is not as bad as creditors make it out to be. Although it should be avoided to keep a healthy credit score rating,it is not the end of the world.

What exactly happens when your account is charged off and why is this even used by your creditors and bill collectors? As dictated by accounting standards,companies write off your account to zero value in their books and mark it as bad debt. This usually happens from three to six months after non-payment on your obligations. They take this course to reflect the account as an amount that can no longer be collected – but it does not mean that they will totally put down efforts to collect the debt.

There are a couple of things to remember when faced with the predicament of having your account charged off. The first one is to keep a cool head and not let the situation dictate unnecessary actions on your end that could complicate the situation further. Communicate with your creditor right away to discuss the minimum monthly payments you need to see through to keep your account current. As much as possible,never give your checking account details and stick with the monthly payments. Although most agreements start off with verbal engagements,always follow through with a black and white version of what was discussed. Make sure the agreement is binding by having it signed by all concerned parties and notarized to express intent to participate.

These pointers can keep you from having your account charged off. Being able to keep your account current contributes to a good credit standing on your part. This opens a lot of better financial options for you in the future.

In the event your account has been charged off,you have to remember that it is not too bad and you can still make good out of this financial situation. Deal directly with your original creditor and consult on a payment plan. If possible,try to negotiate a fifty percent or less down payment on the total amount due. This is a show of good faith that you intend to pay off your debt and also helps you lower down your monthly payments. Paying off an amount that could go to your principal saves you interest payments down the line. As you are talking to your creditor,work out a way to get the charge off lifted from your credit score. This is a long shot but it is worth the try. If your current creditor does not want to negotiate further,you can wait for your account to be assigned to another agency and try to negotiate your terms again with them.

It is true that having your account charged off should be avoided by keeping your payments current,it is not the end of everything when it happens to your account.

To help you understand this scenario better,here are common questions that are asked about debts that are “charged off”:

How long will it take for my account to be charged off?

An account that has not been paid for 180 days will be charged off.

What is the effect of this on my credit score?

A charged off account will lower a credit score significantly. This will make it harder for the consumer to get financial aid in the future.

How does a collector come into the picture?

When your debt is charged off,creditors usually forward it to a separate collection agency. They are commonly third party collectors who will take over the collection activities in behalf of the creditor. You will have to deal with them for then on.

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