personal

Have you done a major renovation to your home lately? If you have, it will likely affect the reconstruction costs associated with rebuilding your home and it is a recommended time for a conversation with your insurance professional. Remembering to regularly review your home coverage with an insurance professional is a good step towards maintaining a level of insurance adequate to rebuild your home, in case of disaster.

So why else do reconstruction costs differ from a home’s market value or even the cost of new construction? Reconstruction costs can be affected by a number of factors, including but not limited to:

  • Economies of Scale – When houses are originally built, it is usually a case of many homes being constructed at the same time. This means that materials and fixtures required for the builds can be purchased by the contractor in one transaction, and often at a bulk rate. Just as buying 50 or 100 bathtubs at the same time will cost less per unit than buying just one, you can apply the same economic benefit to buying almost anything else required for home construction in quantity as well. This can add up to thousands of dollars in savings when compared to single home builds.
  • Reverse Reconstruction – New construction almost always follows the pattern of establishing a foundation and building up from there. When reconstruction is required, and you need to rebuild a home that isn’t a total loss, you need to start by pulling off the roof and working from the top down. As this process is labour-intensive, and takes more time to accomplish, it is generally more expensive as well.
  • Site Preparation – When a home needs to be reconstructed, the site it sits on needs to prepared before any new construction can proceed. This usually means additional costs for demolition of any remaining (unusable) structure and removal of the resulting debris. In cases of intense fire, soil remediation may be required as well. In new construction projects, site preparation is usually limited to costs for brush removal and grading.
  • Labour Costs – Having tradespeople such as carpenters, brick layers, drywallers, electricians, plumbers, roofers, and painters all onsite for an extended period of time can aid in scheduling and efficient usage. If a particular home isn’t ready for work requiring their specific expertise, they can probably be moved to work on a home that is. This flexibility in scheduling is not usually possible when working on a single home, and has a huge impact on overall costs when you consider that labour is one of the largest components of reconstruction costs.
  • Accessibility – Reconstruction of a destroyed home is often required in established neighbourhoods with mature trees, lawns, landscaping, and fences. These and other obstructions may limit access to the worksite and thereby increase costs in getting needed reconstruction materials to the worksite.
  • Older and Custom Homes – Reconstruction of older or custom homes generally must include the replacement of features and finishes which are considered

A mortgage broker is a person who acts as an intermediary person between money-lender and borrower. Mortgage brokers are different from the mortgage lenders. Mortgage lenders fund their loans to the borrower where mortgage brokers are simply a middle man, whose work is to bring borrower and lenders under the same roof.

The home loan will most likely be the largest expense in your life. Utilising the help of a professional mortgage broker can open your eyes to a range of different lenders and home loan products and ensure you take out the most suitable home loan available, saving you time, money and stress. Mortgage brokers can provide much more flexible deals compared to traditional lenders because they have vast reach through the market of independent money-lenders.

Why do you need to appoint a mortgage broker?

  • Experience Matters: A broker is a professional person who looks for better money-lenders only in the market. You might be applying for the loan for the first time or it can be your fourth time, however, a broker went through this process plenty of time already. Having an experienced market analyst is very important to find out what would be the best deal for you.
  • Chose Write product: Thinking of taking a personal loan? Then you need to have a clear understanding about the current loan offers by the lenders or else you will end up choosing a deal which will hurt your pocket. Today no one has the time to keep up to date information about the market situation. Mortgage broker’s profession is to follow-up every single deal offered by the lenders. Having mortgage broker besides you will help you to choose an idle deal that is perfect for you and you do not have to break a sweat for it.
  • Handy Assistance: A broker also reduces stress during home loan or any type of related financial process, as they will be with you every step of the way. Seat back and relax, if you appoint a mortgage broker he/she will do all tasks for you, from finding an ideal till the settlement of the loan. Following your successful home purchase mortgage broker will still be with to ensure that mortgage loan you took it still suits your requirements well into the future.
  • Free of charge: It may sound pretty surprising however it is true that if you appoint a broker you would not have to spend a buck for the service. The lender who approves your loan pays fees to the broker as a commission for the service. So you have the opportunity to test any mortgage broker you are willing to appoint as your personal financial advisor.
  • High chance of getting approved: Having financial issues in the past is quite natural for anyone. Traditional lenders before approving the loan check borrower’s credit ratings and if it’s not up to the mark they would not approve the loan or they will charge huge interest rate as a security to your bad credit

Commitment – This is an attribute necessary in every employee and leader. A committed person sees to the end what they were involved with in the beginning. A committed person gives it their all. People sometimes may not show some commitment if the direction and vision of the organization are not clear. People will certainly not commit to something they are not sure of. Commitment is almost similar to loyalty. When people buy-in to the vision and goals of the organization, they are likely to set aside their personal comfort and commit to the success and overall progress of the organization. When team members are committed to their tasks, completion and success is inevitable.

Company – This is a registered organization with employees and leaders. A company is also called an organization or a business. General structure of a company has Managing Director at the top (Chief Executive Officer) and below him/her are the individual departmental heads e.g. Sales and Marketing Director, Human Resources, Finance and Admin, Operations etc. A company is broken down into individual business units which seem independent but are actually interdependent on other departments. Companies’ existence is usually governed by the Companies Act of the country where the business is registered. See Business under the B Series. A company is also referred to as a corporate entity

Communication – The way we communicate internally and with external stakeholders is what normally divides successful companies from mediocre ones. If you cannot communicate with your employees about vision, targets etc, you should not expect miracles from them. If you can not be in touch with your customers and suppliers out there, no wonder you seem to be on an island of stagnation. Communication uses a channel which varies from print media to electronic media. More and more communication is now electronic as it is faster, less expensive and reaching a larger audience. Companies that have gone bankrupt can actually mention that because they failed to listen to the needs being communicated by their customer, they eventually ran out of business. Communication is a key for success.

Competition – When you have another company or individual offering services like the ones you offer they are considered your competition. You compete to win the heart of the customer. You compete for space, orders, attention etc. It is healthy to have competition. Your competition is not your enemy. It helps to keep your services in check. In situations where companies are a monopoly there is a general tendency to slip back, relax and assume business will always be there. This is why the same company will suffer the day a competitor comes onto the same market because customers never forget those that look after the diverse needs.

Confidentiality – Information in the organization has levels of exposure. Information that is for public consumption will be found in the press or on company noticeboards. Sometimes a bulk email may be sent to the whole organization. However certain sensitive information is just for …

FRIENDSHIP is the topic that I have been mulling about for some time. Some of you, my dear readers, who have been asking me to write on this topic where you wanted me to, address a Friendship from the platform of Personal Intimacy and Platonic Relationships. Whatever I have written here is just a representation of things that I gathered during my course of reading and research. This is bit complicated to articulate though. Let me try!

Can these TWO be part of a Friendship? Or Can any ONE be part of a Friendship? Or Can these TWO be independent of a Friendship?

In my experience, I have noticed that, post our school/college days, once we are into job and get going in life, most of the Friendships start as either “professional” or to certain extent “emotional” and are substantially “intellectual.”

But, many people to whom I have spoken on this topic have told me one thing in common – They did not find one which is more of “Intimate and Personal” as the ones that they enjoyed and experienced while they were in school/ college times.

Let me articulate – when I say “Professional”, you got it, Professional friends one meet at their company, at a networking function, or elsewhere in the industry one works. A professional friend knows specifically what one does during working hours and knows various key facts about ones career.

When I say “Emotional” – this undercurrent involves, Feelings, relationships, someone you’d call on a weekend when you’re extra happy or extra sad. Emotional connection usually requires significant amounts of time spent with the person. These can be from any walk of life!

When I say “Intellectual” – Philosophy, analytical disagreements, industry contacts, meet-up groups etc.,

But there is one another, that I want to mention, which is very special in my opinion and I am unable to find one beyond my college days – that is “Personal” – Personal friends tend to be childhood friends, school friends, family connections during childhood, childhood neighbors, or a friend with whom one has little in common career-wise but most in common as partners in all crimes.

Now, as we grow older, there are various dimensions that play out as an evolving human being and one tends to have more of personal and emotional friends. Let’s say 10 or 12 year-old isn’t debating marketing strategy with a colleague from work. But over a period of time, as one enter the workforce and mature, you develop specific intellectual interests (or not). You become intellectually curious. You take on professional/passion based interests and goals. For a broadly fulfilling friendship, one need more than pranks or playing sports together. One needs to be able to have a stimulating conversation.

So in my opinion, based on my own experience and of course, I have spoken to quite a few people in the age group of 20-30, to find an understanding – Can a personal & emotional friendship develop a meaningful intellectual

Stun guns have evolved over the past decade to become more effective, safer to use, and more discreet. It is now the case that a stun gun is capable of generating 200,000 volts and up, which is enough to floor a man and leave him disabled for approximately 20 to 30 minutes. The gun works through being pressed against the attackers body, before releasing an electronic charge that is high in voltage, and low in amps, meaning that it is effective at disabling the attacker while reducing the chance of causing damage. When an assailant comes in contact with the charge, they will go through a few seconds of excruciating pain, their muscles will spasm, their blood sugar level will become depleted, and the victim should have sufficient time to escape and contact emergency services.

In order to understand the advantages and disadvantages of stun guns, it is firstly necessary to gain an appreciation of how the device works – and the misconceptions that surround it. Stun guns will not cause long term damage to the attacker, even if they have a heart condition, because the high voltage is multiplied by a low current rendering the charge less deadly. Unlike an electrical chair, which has the purpose of killing a person, a stun gun is a product that is developed as a means of disabling, rather than causing damage to, the attacker. When compared to other personal safety equipment and apparatus, it is often considered to be one of the most attacker-friendly options, despite the abrupt and certain nature by which it will disable a person. Another common misconception surrounds whether or not the victim can get a shock through touching the attacker. The answer to this is no, with the reason being that the attackers body will absorb the charge.

An advantage of stun guns is that they now come in many shapes in forms, making them easier to use quickly and effectively. Many new shapes are more discreet and also more practical to carry. Various types of stun guns include the cell phone stun gun, the stun gun flashlight, the stun baton, the stun pen, the raptor stun gun, the small fry mini stun gun, the stun stick, the expandable baton and other variations such as the rechargeable stun gun. A stun gun can be particularly effective when a victim has already been grasped by the attacker and the stun gun is available for use. Stun guns also require less accuracy than other devices and are often enough of a threat to deter an attacker from actually attacking in many cases.

Although there are many advantages of using a stun gun as your personal security instrument of choice, there are also a few disadvantages that have to be considered. First, the victim will have to get close enough to the attacker in order to touch them with their weapon. In the instance where the attacker has a larger weapon, or gun, the stun gun could be rendered useless. …

Getting a personal loan of any size when a low credit score hangs over your head can be difficult, especially when approaching a traditional lending institution. But it is worth noting that securing even a $5,000 personal loan for bad credit is not impossible. Simply by taking alternative routes, the necessary cash can be secured.

It might seem illogical that a personal loan of several thousand dollars can be approved when a low credit score suggests repayments cannot be guaranteed. But the fact is that a credit score is not considered the basis on which to reject a loan application. This is because a variety of things, like losing a job, can affect the most honest of borrowers.

Anyway, getting approval for $5,000 loans is not a simple matter of giving the thumbs up. There is criteria that needs to be met and, as such, an application needs to be in proper order if it is to succeed. Still, the route chosen is telling, and there are three alternatives to traditional banks that a borrower can take.

Online Bad Credit Specialists

The internet is filled with lenders that specialize in loan products designed for people with low credit scores, so a $5,000 personal loan for bad credit applicants can be accommodated. There are some points that need to be taken into account, but in general this route is considered superior to traditional lenders anyway.

The first point is that the interest rate charged is higher than for those with a good credit rating, but it is still less than most banks will charge. For that reason, the online lender is regarded a very competitive option, especially given the fact that approval on a personal loan is more likely.

However, that is not to say that all applications are approved. In fact, the concentration on income means that it is essential an applicant for a $5,000 loan can prove they have a regular source of income, and has been working full time for at least a period of 6 months.

Payday Loans

When bad credit is an issue then seeking a loan that requires no credit check for approval is a good solution. To this end, a payday loan (or cash advance loan) is ideal. A $5,000 personal loan for bad credit is typically too large to get approval for, however.

Payday loans are small, ranging from $100 to $1,500 because they are issued against a forthcoming paycheck. For this reason, the sum available to borrow is strictly controlled. It also means that in order to get the correct personal loan sum it may be necessary to take out a series of payday loans – perhaps 4 x $1,250.

But remember that repayment is also very short term, usually within 1 month. So, your paycheck would need to be able to cover the total sum borrowed. Although, it may be possible to negotiate a 4-5 month deal in order to secure one $5,000 loan.

Loan Bidding

A final possibility is the …

They say that money is useless if you have lost every source of happiness in this world for the love of it. You can never buy happiness or fulfillment. But there are actually ways that you can learn how to achieve happiness and success in work and in life, all at the same time!

Here are ways on how to master both life and work without sacrificing one for the other …

First, it should be clear to you that your decisions could actually count against your personal life if you have done so poor in making choices.

For the past years in your career, have you experienced any of these downsides? If your answer is yes, you may actually be experiencing more serious problems that will indeed surface in the later years in your career, which can turn out to be disastrous for most people. Therefore, getting to the core of the problem as early as now will give you more time to think and act.

Similarly, what can be best expected from success stories that we hear online is the fact that they are intended to inspire people and persuade them to act, not tomorrow, but today.

If you happen to be fond of collecting these success stories, you will notice that every story features a unique obstacle, which they have been confronted with in the midst of their successful business lives.

The complications, however, is not the highlight of the story, but it is the point where the person decides to rise and do something with his business ordeal.

It will probably never be easy to sort things out in just one seating, but the inspiration that many people have started to manage both work and personal life positively could really get us somewhere near to making success stories of our own lives. …

A wedding is a very exciting time! However, it may also be a bit demanding to make various appointments around other people’s schedule. Then sometimes, too many choices may make it difficult to make a decision. Just remember to breathe! Use these tips to make your wedding day easier:

When you are planning to tie the knot, pick your bridesmaids in advance. This will help you to take away a lot of the pressure that you will face when you are getting married. Make sure that your picks are very personal to you and are key people in your life.

A wedding is a very special occasion that takes a lot of planning. To have a perfect wedding you need to do your research. Start by talking to other family members that have taken this step and find yourself a decent wedding planner if you require more help. You can have a beautiful wedding, and you can go to find a friend’s help if you want a more subtle wedding.

On the days leading up to your wedding, make sure that your future husband or wife is feeling okay. You will be their biggest supporter and someone to whom they can turn. Reassurance will make them feel great and more comfortable about this huge decision in his/her life. Tell them a few motivational words to help them cope with their stress.

Choose your wedding dress before decide on anything else, including jewelry, shoes, purse, hair or makeup design. Take your time trying on gowns and look around at different venues before making your choice. If you can find what you like online, that will save you a lot of money too!

Get to bed very early on the night before your wedding. This will allow you to be as rested as possible and will help to reduce the levels of stress that you will feel from pure exhaustion. Getting a good night of sleep on the day before your wedding will maximize your experience.

Even if your budget is small, having two photographers at your wedding can catch shots that might be missed otherwise. Consider asking family members to take on the cost as an additional photographer, or even have both photographers be someone you know personally. Free is the best way to go, and they might even give you the end product as a wedding gift.

By not being too nervous, using a clear head and working hard, you can make sure your wedding is as rewarding as possible. Not only are you entering a new chapter into your life story, you’re going to be sharing this with the person you’re decided to share that story with. Congratulations! Enjoy your day!…

Introduction

Organizations that are successfully executing customer-centric strategies while seeking competitive edges and innovative strategies do one thing in common that will lead to their long term success:

They place the customer as the prime reason for every action they take within the organization. From the accounting department, through production and sales, into marketing and even the executive boardroom the customer is the most important focus for each and every activity that occurs.

In order to do this effectively the organization must develop a marketing plan that creatively incorporates customer values on many different levels.

The Marketing Plan

The successful entrepreneurs know that they have an advantage over the larger companies when it comes to the customer. They have the ability to get to know each and every client by collecting as much information about their spending habits, as well as their personal preferences and then utilizing that information to make the customer feel special. The larger companies often are focused on a greater mass-market target and cannot target individually, but the small companies run by the smart people, know how essential it is to take the time to get to know the customer and everything about them.

The Marketing Mix

Every successful marketing plan must encompass at least the following four essential points through answering these questions:

1) Product – What kind of product or service will meet the target market needs?

2) Place (Distribution) – How can we get the product/service to the customer in an efficient and timely manner?

3) Price – What kind of pricing system will best fit the needs of the market to induce maximum sales profitability and maximum customer satisfaction?

4) Promotion – What kind of marketing strategies will be most successful in getting the message to the target segment?

Do all marketing strategies need to be expensive? Not anymore. Even the company of one can develop excellent affordable marketing plans by utilizing guerrilla marketing strategies.

Guerilla Marketing Strategies

L. Conrad Levinson wrote a book about “guerrilla Marketing” a few years back where he explained how small companies can battle the bigger, more slow-moving entities through cheap marketing tactics. The prime points he specified are as follows:

1) Find a niche market and fill that market. – Trying to be everything to everyone will fail.

2) Don’t just sell, entertain the client. – Provide added-value experience through “atmospherics”.

3) Be unique in your product, service, and how you offer. – This will get you remembered and the customer will come to you to see what is different.

4) Create a business identitythat the customer can relate to. – People like relating to things.

5) Connect with customers on an emotional level. – It has been proven that 72% of all purchases are made on impulse regardless of how much prior research is done on a product in advance, therefore target the impulse triggers: emotions.

By focusing everything on the customer, the guerrilla marketer will create an unforgettable experience for the customer which will …

Do-it-yourself wedding flowers have become more popular in recent years as resources for creating them have become more available. However, many women do not have the time or other means to take advantage of this option. One simple alternative is to do a little of both – hire a professional florist to handle the bulk of the flowers and save some DIY projects for yourself.

Take on Only What is Realistic

Some brides might like the idea of ​​lovingly creating every arrangement, bouquet and boutonniere. However, that romantic notification often goes out the window after several hours of work results in only miscalculations, wasted supplies and endless frustration.

A good rule is to take on only a few DIY arrangements, ones that will mean the most. For some, this might be the bridal bouquet. If that project looks like a bit too high-profile, consider smaller touches. Hand-crafted corsages for the mothers of the bride and groom would take on special meaning. Realistically decide on what projects you could complete, and leave the rest to your florist.

An already overwhelmed bride-to-be should use her DIY projects as a way to release stress, not create more. Consulting with a florist is a great place to start. Ask for advice on which arrangements are good for DIY projects. A good florist will share ideas, designs and other information that the bride can use to create her DIY wedding flowers. Working together with the florist will ensure that the DIY flowers complement the professional arrangements.

DIY Is not Just About Saving Money

Using DIY wedding flowers in combination with a professional florist offers many advantages. Saving money is definitely one of those benefits – sometimes up to 50 percent or more of a florist's cost. However, DIY wedding flowers can offer something more valuable than money: time, memories and a personal touch.

Some brides have the resources to create every last floral arrangement themselves. However, most women do not have the time, patience or creativity to spare. But by taking on just a few DIY projects, busy brides can still enjoy a sense of accomplishment and pride that no amount of money can buy. Plus, they always have the security of knowing they can call on their florist to help with any unfinished work.

Of all the wedding day expenses, flowers will be one of the few things that last, through photographs, scrapbooks and other mementos. DIY wedding flowers also give the bride an opportunity to invite bridesmaids, friends and family – even the kids – to have a hand in making the wedding come to life. Just the time spent with loved ones, sitting around a table creating bouquets and centerpieces, will create a lifetime of memories.

Resources to Get Started and Stay Motivated

Creating arrangements takes not only creativity, but also other skills such as budgeting, time management, organizing and delegating. Questions in these areas will most definitely come up as brides begin their DIY projects. The Internet is an invaluable resource …