Sunday, November 5, 2017

The economy is down and business is slow. You are probably implementing stricter and stiffer budget cuts to prepare for 2009. Counting the littlest expenses can be difficult. An example of this is business cards. You know they are branding essentials so you can't exactly ignore this need but you also would not want it to eat up money. And at the same time, you don't want the quality of your business cards to suffer because of your cost cutting measures. Just how do you get cheap business cards online that doesn't look like you got them on clearance sale or something like that?

Save on cost, keep the quality

1. Order offset printed business cards

Offset printing is perfect for wholesale orders on business cards, as opposed to digital printing which is highly suitable for short run prints. For a more concrete testament, you can actually order 500 copies for a small price, and even double this quantity for under 10 dollars more.

If you are the type who actively distributes business cards in every occasion you get, this is the perfect cost-effective printing technology for you.

2. Purchase business cards online

Ordering online does not only save you money but time, as well. Imagine not having to leave your desk to process everything --- from ordering to payment. There's no need to take several trips to your local printer just to order, see the proof and claim your cards. Another plus with online printing are the additional services they have which they offer for free like design assistance and pre-press evaluation.

3. Use pre-made templates

Some online printing companies offer hundreds of pre-made templates that you can use without additional cost. They usually have categories or themes so it would be easy to browse through several designs.

You no longer need to hire a graphic designer to create a business card design for you. The online design tool is like a software that you can use to replace the services of design professionals. Once you have the design, it's all a matter of adding your name, position, logo, address and contact details.

4. Stay away from custom jobs

Custom jobs usually cost more than regular ones because they require additional processes or materials. Die-cutting is an example of this.

As for custom sizes, some online printing companies offer custom sizes at no extra cost. So if you feel like getting a different look for your cards, like 2" x 2" instead of 2" x 3.5, not only do you make it different but you also save on ink and paper so your cost decreases.

5. Order days ahead

Rush orders, as you know, cost more. If you have the option to order much ahead of time so you can opt for the longest turnaround time offered (like 6 business days for some printing companies), that would be best since they will charge you much less than they would for next day turnaround times.


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Monday, October 16, 2017

Since the global meltdown of 2007/2008 most businesses have been struggling to get back their footing. The Entrepreneur Organization (EO) says over 56% of members are still in the red while the U.S Small Business Administration (SBA) says over 75% of enterprises are reeling from the recession.

Corporate Videographers are a Godsend

An interview by some of the most established entrepreneurs published on Forbes in 2014 says that video production is one way of getting out of this rut. If you are a business executive, it is time to leverage this marketing technique to gain traction through invaluable online exposure.

If you are thinking this is another internet fad in the corporate circles, it is time to rethink. The SBA says over 78% of its affected members who are using services of a professional videographer for their marketing strategies have enjoyed an upshot in their bottom-line.

A Business Insider report says this is the future of corporate communication again highlighting the need for these experts in your communication strategy.

To appreciate why you need to hire these professionals, consider some of the benefits they bring to the table.

1. Professionalism

Whichever message you have in mind, it is important to appreciate the need for a professional production. By using an expert, viewers will be more appreciative of the efforts expended in the project. If you consider a Forbes report showing that over 88% of online clips are never viewed on YouTube you must up your game to ensure you get the exposure needed.

2. Objectivity

With a corporate video specialist, your company's production ideas will be critically analyzed. These experts have an idea on what sells and what does not, and as such, they will give more objectivity to the project. By augmenting your ideas, a videographer will help you reach the intended viewer.

3. Technical Expertise

It is true everyone can use a camcorder to create a clip, but then quality is what really matters. In a world where millions of videos are uploaded every second, you need to use the best equipment for clear images and visuals.

Luckily, you have a professional by your side and they own the right gadgets to film and edit the project. Whether you need a brand documentary, explainer clips, promotional materials or a simple educational video, it will be done.

4. Consultations

If your in-house team carries out a project of this magnitude, there is always the risk of subtle errors which will not be noted in time. Some of these include poor choice of location, poor audio quality, length of clip, among other issues. Using a person with prerequisite production skills averts such errors.

5. Efficiency

Working with a professional guarantees you of quality video because they bring to the table necessary expertise, resources, exposure and experience. Your business enjoys positive online exposure with this quality production which can easily go viral.


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Friday, October 6, 2017

When deciding to sell your home you have two options. You can either use the services of real estate broker or you can sell it yourself to a "We Buy Houses Cash" company. Each scenario has its pros and cons which we have outlined for you below. Every situation is different and we want to make sure you make the best decision possible. We have also outlined some key questions you should ask yourself before making this big decision.

Realtors. Realtors are the best source for selling your property. It's a proven fact that realtors will get at least 10-20% more for your property than you would if you sold it yourself. It is also a proven fact that you will sell it 50% faster using the services of a local real estate agent. Since most agents are current on up to date trends they will be able to guide you in what items need to be addressed in order to get maximum price for your house. With an agent who specializes in your neighborhood they may have connections to buyers through colleagues and past clients that you do not have access to. An agents network is a very powerful tool to getting your house sold fast. I recommend using bigger cooperate brokers such as Berkshire Hathaway or Coldwell Banker Gundaker.

With any service provider their is a cost of doing business. The average expense for a realtor is 6-7% of the sales price of your home. For example if you sell your home for $200,000 it will cost you anywhere from $12,000-$14,000 at closing. If you decide to use a real estate professional to sell your property then you will more than likely be dealing with financed buyers which means you might possible have to pay seller commissions ranging anywhere from $3,000 - $5,000. Selling to a financed buyer also means once you sign a contract to purchase you will usually have to wait anywhere from 30-60 days to close. Let's also not forget the cost of inspections. Most cities require the house pass an occupancy inspection. When the city sends there inspector out there may be items that don't meet city requirement which may get costly to fix. The potential buyer will also hire a private inspector due to there own due diligence to see what the house may need. This can also get costly if the buyer has high demands before deciding to move forward with the purchase. The extra money you make hiring a real estate professional may cancel out with the expense of broker fee's and inspection expenses.

We Buy Houses Cash Companies. These companies often get a bad wrap in the area. They are often thought of as scam artists or dishonest people when in reality these companies can be of great service to people. Just like anything there are pro's and cons to taking this route. Since these ugly house buyers are investors they are not going to give you full price for you home. They are usually buying properties anywhere from 50-60 cents on the dollar.

But before you kick these guys out of your house take a moment to think about the benefits of selling to a cash investor. Fast Cash! In most cases these buyers have the cash to buy the property immediately. Not only will it be a cash sale but you don't have to worry about paying any seller concessions. Often times they will even cover your closing costs which will save you additional money. These cash buyers will also save you on those hefty realtor commissions. Since your property is a for sale by owner there will not be any broker involved. No broker = NO FEE's! Did I mention there will not be any inspections done. Since it will more than likely be an AS-IS cash sale the buyer will not bring a city or private inspector through which means you don't have to do any repairs to the property. So even though you may not get full price for what you think your home is worth you will be saving tens of thousands of dollars in fee's and repairs. It makes the deal even sweeter knowing they can close in as little as 7-10 days if needed. The best part about selling to a cash investor is that you can leave the unwanted items in the property so you can save even more money on moving expenses.

This is a big decision that should not be take lightly. There are some questions you need to ask yourself before deciding which route to take.

1. Does the home need repairs?

2. Is the home outdated to today's standards and what other similar homes look like?

3. Do I need to sell immediately?

4. Is the repair list too much for me to handle right now?

5. Will a fast sale take the burden off my shoulders of dealing with this property?

If you answered yes to any of the questions above then you will probably want to consider selling to a local real estate investor who has the cash to close right away. A fast cash offer with no realtor fee's, closing costs or hefty moving expenses may be the best fit for you. If the home has been kept up and maintained pretty good over the years and you can afford to sit on it for a while then your local real estate agent will be the best option for you and your bank account.

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Tuesday, June 27, 2017

Gambling is considered to be an activity that involves betting on the outcome of a contest, playing a game for money, or paying for the opportunity to enter a lottery. It is a very old form of entertainment and one that will be with us as long as we continue betting. The pleasure of gambling comes from the very real risk of losing even your most prized possession. On the opposite side, gambling comes from wagering valuables or material things one cannot afford to lose. In a nutshell, gambling though how entertaining it is has its own advantages and disadvantages.

Gambling, which most people would really enjoy, could be of many different forms which include scratch tickets, pull tab tickets, bingo games, mahjong, charity raffles, lottery tickets, betting on sports games or casino games.

Casino games can be considered most common among people and it is commonly played in almost every country around the world. These days people could be entertained by just playing casino games online. Online casinos, also considered as internet or virtual casinos are online adaptations of traditional casinos that most people liked playing many years ago.

A casino game is similar with the land-based casinos that offer odds and payback percentages. Some of them claim higher payback percentages for slot machine games and make known to people payout percentage on their websites or homepages. The payout percentage for the games, being played by gamblers is established by the rules of the game.

Today, most people seem to be bombarded with lots of negative things. For this reason, they would really take up gambling though just from time to time yet soon it becomes their habits.

Gambling is undeniably fun and casinos create an exhilarating atmosphere, and there is always that slim chance of winning a fortune. Today whatever game you desire playing, the casinos available online could always provide you fun and excitement. It easy to find virtual casinos and if you have already chosen the game you want to bet on then you have to get ready and make a deposit, you will be entitled for some terrific first deposit bonuses for sure.There are various online casinos that could provide players free casino credits which can be credited into their real player account once they have met all wagering requirements.

Various online casinos with no deposits could provide players free of charge bonuses to try out the casino games available. Some casinos offer or give players up to $150 of free bonuses but on the other hand, the normal amount a casino could give is between $10 up to $25 only. Most online casinos have their own verification process to make sure the gambler or the person playing is really the one whom registered. This is to ensure their protection.


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Monday, May 8, 2017

When I think of the key reasons people travel to South Africa, KwaZulu-Natal offers them all - so I thought it would be interesting to run through those reasons and show you how KwaZulu-Natal (KZN) has the answer.

Scenery. South Africa's stunning landscapes and gorgeous coastline is a major draw card, and it's safe to say that KZN has some of the best scenery in the country. Top of the list would be the Drakensberg Mountains, towering and impenetrable (their Zulu name translates as "Barrier of Spears"). They are a UNESCO World Heritage Site, and offer a variety of experiences to the visitor, from short hikes to overnight trails, and from wildlife to millennia-old San rock-art. From mountains that touch the sky, we move through to golden beaches that meet the ocean. Along the Elephant Coast are mile upon mile of deserted beach, fringed with luscious coastal forest and pitted with the nests of endangered turtles: an inspiring landscape if ever there was one.

Culture. With its eleven official languages and many, many different tribes and ethnic groups, South Africa loves to showcase its culture. In KZN, as the name suggests, this means the Zulu culture. A proud tribe, built on the military might that gave the British a bloody nose at Isandlwana (more of which later), the Zulus are making great efforts to preserve their traditional customs and practices, and a visit to a traditional homestead is one way to see this in action; it's also very likely that at some point during your time in the province you'll be treated to a display of the energetic, athletic and entrancing Zulu dancing.

History. The history of South Africa, from the advent of European settlers right through to the end of apartheid is tumultuous and holds a special fascination. KZN's major slice of that history is the Anglo-Zulu and Anglo-Boer wars. Names like Isandlwana, Rorke's Drift and Spionkop resonate through the intervening century, and are dramatically bought to life by absolutely superb battlefield guides. Immediacy is the key to these battlefield tours: you're standing on the exact spot where this soldier and that Zulu warrior clashed: in many cases we know their names and their backgrounds, we know how they fought and how they died. It's incredibly moving.

Cosmopolitan City Life. Cities like Cape Town are a huge draw for visitors to South Africa, and Durban is right in the front rank of South African cities. Recent redevelopment, thanks in part to the FIFA World Cup, has seen Durban transformed. Next to the harbour is the impressive uShaka Marine Park, start of a boulevard of several miles linking the fantastic beaches of the city (Durban's Golden Mile) with the impressive Moses Mabhida Stadium. Visitors can fly into the gleaming new international airport and stay in a growing array of smart, boutique hotels, and eat in stylish restaurants. As a place to bookend your travels around the province, Durban is hard to beat.

Relaxation. South Africa is all about relaxing, chilling out and enjoying great weather, wonderful food and gorgeous local wines; fortunately KZN is well able to deliver on this front as well. Just outside Durban you'll find the Midlands, a beautiful area of gently rolling countryside, dotted with perfect little country getaways. These hotels have made a real name for themselves offering beautiful accommodation and the most amazing food - wholesome, decedent meals paired with selections from extensive and impressive wine cellars. It's an amazing way to unwind for a couple of days (though not too much longer if you're keeping an eye on your waistline!).

Wildlife. I've left wildlife till last because for so many people it's a major highlight of their trips to South Africa: saving the best for last! I've already mentioned the wildlife of the Drakensberg Mountains - you'll find herds of enormous, mystical eland here as well as the Lammergeier (or Bearded) Vulture. But it's big game safari that most people want to see, and KZN really delivers. It's a province right at the forefront of eco-tourism and conservation. The vast Hluhluwe-Umfolozi Reserve in the heart of KZN can claim to be the place the rhino was saved from extinction, as all the initial rebreeding work for the white rhino took place here in the 50's and 60's. Nearby Phinda Private Game Reserve was one of the first game reserves to take farmland and return it to its indigenous condition, letting the natural vegetation grow back and reintroducing the wildlife that had been absent for decades; the result is a wonderful reserve with excellent opportunities for viewing big game.

So when you add it all together, you can see that KwaZulu-Natal really does have it all. A two week trip round the province will allow you to experience the very best it has to offer and is a microcosm of everything that's best about South Africa.

Damien Read is one of the founders of South Africa Holiday Architects. We only specialise in tailor-made, South Africa Holidays and Damien and the team have been there over 20 times which, we believe, gives us the expertise to offer travellers the best possible South Africa experience.


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Monday, April 10, 2017

On the surface, it seems ridiculous, but there are lenders who are willing to grant loans to the unemployed. Surely, this is foolish, since the unemployed obviously have no source of income, but the fact remains that it is possible to get a $5,000 unemployment loan when most needed.

How can this be possible? Well, let us be honest and admit that $5,000 is not a huge amount of money. It means that lenders can easily create terms that can see them benefit but in a way that, should the borrower default, will not hit them very hard. Getting loan approval without employment depends on the same faith that students get.

Lenders will offer even unemployed applicants a chance to secure a loan, because there is a strong chance that unemployment is temporary. Granting affordable installment loans are therefore considered a viable decision rather than a major risk.

Why The Unemployed Are Accepted

So, why are the unemployed accepted by lenders? Well, the lenders are not ignorant of the risks involved and are not willing to grant loans to everyone who is without a job. But there are some cases where the chances of defaulting are quite low, so granting a $5,000 unemployment loan is fine.

There are two separate types of jobless. The long-term unemployed have been without a job for several years, so the chances of them finding work again have become very slim. This type of unemployed individual is not going to be considered for a loan.

Those who can hope to get approval without employment will have been recently made redundant, but it is understood that at least 6 months will have passed before the application can be made. The reason why an affordable installment loan may be on offer is that some form of employment is likely to be found within the next 12 months.

Unemployment Loans Explained

If approval on a $5,000 unemployment loan seems contrary what might be deemed logical, understand that the loan itself is used to keep on top of existing loan repayments and bills. For this reason, there is an understanding that the loan is a stop-gap.

However, it is the fact that the borrower is still considered highly employable that attracts the attention of the lender. It is similar to a student loan where the loan is granted in the faith that the borrower will graduate and get a good job.

Similarly, lenders have faith enough to grant approval without employment because the borrower will get a new job. Of course, they must also offer affordable installment loans because at this moment in time, the means to meet normal repayment terms does not exist.

Terms To Look Out For

It may seem that giving a $5,000 unemployment loan is more social charity than business. To an extent that is true, but it is also a business arrangement, and lenders expect the loan to be repaid in full and on time. But what are the terms that should be expected?

The key terms are the interest rate and the repayment period, just as with any other loan. However, because the lender is granting approval without employment, the interest rate is higher to cover any potential losses, while the repayment term is longer.

The longer loan term is what ensures these affordable installment loans are, in actual fact, affordable. For example, a loan of $5,000 repaid over 12 months is more expensive than over 5 years.


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Tuesday, March 21, 2017

If you’ve become a smoker of electronic cigarettes, then you know the decision making that comes about when you’re trying to figure out what kind of electronic cigarette refills you want to use. Most first time, one piece e-cigarette kits come with one piece that already uses electronic cigarette refills cartridges. Some people find that they don’t like using disposable electronic cigarette refills because they’re generally more expensive and are also harder to keep in stock when compared to a bottle of e-liquid, which seems to last longer when using refillable electronic cigarette refills. Refilling your own electronic cigarettes is a lot like rolling your own tobacco cigarette versus buying cigarettes off of a shelf: you have more control over how much you’d like in your cigarette and how much nicotine you want to get out of it, and the amount it can be smoked is also basically determined by you, as if it’s made well, it will probably offer more opportunities to take a drag.

For those who have bought e-cigarette kits that have disposable electronic cigarette refills, and they don’t like them, they can easily switch to refillable electronic cigarette refills. With refillable electronic cigarette refills, the smoker just has to keep a bottle of e-liquid around, which is the liquid made with nicotine that turns into the vapor that the smoker inhales. It’s important to note that while there is smoke that comes from the tip of the cigarette, that is only water vapor and doesn’t have any odor or chemicals in it, which is one of the reasons that many started to buy e-cigarette kits anyways.

If you don’t like disposable electronic cigarette refills and think that you’d like refillable electronic cigarette refills better, than there are other e-cigarette kits that you can buy that are made especially for this type of electronic cigarette refills and that also come with reusable electronic cigarette refills. If you order e-cigarette kits that have disposable electronic cigarette refills, then you’ll probably end up buying standard e-cigarette kits that come with around 30 disposable electronic cigarette refills, which is around the equivalent of ten cartons of cigarettes, which is absolutely amazing consider the fact that traditional tobacco cigarettes and electronic cigarettes look almost identical, so being able to get so much use out  of something about the same size is unusual. That’s apparently why so many smokers claim they like electronic cigarettes, and that overall, it really doesn’t cost more to smoke e-cigarettes than it does to smoke tobacco cigarettes…

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