How To Choose The Best Office Chair

Are you a business owner with an office for your employees? Have you noticed if your workers are comfortable with their office chair? Well, when running a business, especially if there is an office space, office furniture is essential. You have to choose the right ones for your company’s requirement. For example, you are running a call center office, and then it means your employees will be sitting in their workstations for a more extended period, at least eight hours a day. Then, picking the right type of chair will make a difference. Not many business owners know that a simple chair can turn your lousy employee to be your next rock star and best guy in the office. Well, let’s see the types of chair and how to choose which is the best for you.

1. Ergonomic Chair

One of the best kind of Houston office chairs is ergonomic. It makes you comfortable even in a more prolonged period sitting and working. People who are gaming enthusiasts used this kind of chair. They can be more productive without worrying about their comfort in sitting around. If your employees are working for longer hours with high production to meet, then the ergonomic chair is an excellent choice.

2. Executive Chair

For the managerial position, an executive chair is a must. It is somehow giving your managers the benefit of having luxurious seats in the office. Aside from comfort, they can elegantly represent the company. A chair does not dictate your position in the company, but it is also important that the executives will be given what they need so they can represent the company well in front of the workers and to the guests as well.

3. Stacking Chair

Well, in the pantry and meeting rooms, a stacking chair can be the best fit. This kind of chair is useful, especially if you need flexible office space or the number of participants will increase. During meetings, stacking chairs are excellent options, so after the meeting, they can be useful for other areas such as applicants’ waiting area and the best type of chair for the pantry.

4. Task Chair

The regular and traditional type of chair is the task chair. Most offices still use this kind of chair as compared to ergonomic and executive chairs, and task chair is way cheaper. Actually, in one ergonomic chair, you can buy at least 3 task chair. But of course, the quality should not be compromised. If you choose a task chair for your employees, then make sure to consider buying for comfort.

5. Lounge Chair

For your reception area, lounge chairs are the best. Just make sure to team it up with your office theme. Bring the best lounge chair so your guests will be comfortable when they visited your office.

 

Whether you are choosing your office chair for your most valuable employee to your regular worker, it is essential to consider their comfort. Sitting on a lousy chair can bring bad …

Facts and myths around online business loans?

There is no doubt that unsecured business funding from a fintech lender is the best option for a small business to obtain an online business loan without the hassles of extensive paperwork. Further, the loan application process has been drastically simplified by the fintech lenders, with adoption of digital technologies. Business loans from fintech players offer benefits ranging from easy EMI repayment options to competitive interest rates, unlike profit sharing terms insisted by investors or a long-drawn loan approval process in banks. However, despite the advantages, there are several myths that are prevalent amongst SME loan applicants. This is also because the fintech industry is a new and rapidly growing sector. Many individuals are apprehensive of new trends. We shall debunk these myths with facts.

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Myth 1: In case of lower loan amounts, there is a high chance of rejection

This is complete misinformation. A business should ideally apply for a loan amount as per requirement. Hence the question of low or high does not actually arise. The loan amount sanctioned in entirely dependent upon the business performance and the business needs. The loan approval depends on the satisfaction of the eligibility criteria of the lender.  An SME can apply for a small ticket size loan and get the same approved from an NBFC within 3-5 days if it meets the parameters of being financially strong and creditworthy.

Myth 2: Personal Loan is better than a business loan

This again does not hold in many cases. It is always prudent to separate individual accounts from business accounts. The sanction limit is much lower in case of a personal loan, which might be inadequate for business purposes. The interest rates on unsecured business funding are lower than personal loans. Further, the credit score of the business owner in his individual capacity is considered while granting a personal loan. This does not help build the credit score of the business. It is natural for every business to be subject to business cycles. In case of the business hitting a low, the credit score of the promoter takes a hit, which will impact his/her future chances of obtaining a loan. From the tax angle, interest on business loans can be shown as a business expense deduction in the P&L statement and goes towards reducing taxable income of the business. This benefit is not available in case of availing a personal loan.

Myth 3: Obtaining a business loan is tough

There is a common misconception that it is difficult for an SME to obtain a business loan. This is not true. If one meets the eligibility criteria of the fintech lender like at least Rs 40 lakhs turnover, a decent credit score, submission of GST and IT returns and an operating vintage of at least 3 years, there is a high likelihood of loan approval.

Myth 4: Lenders will insist on a loan against property

This is a common fallacy. In case of banks offering secured loans, collateral cover is mandatory in most cases. …

4 types of mutual funds you should be adding to your portfolio

Investing in a mutual fund is a tricky business. There are so many funds available in the market that it is difficult to choose the right one. An added difficulty is to make the right portfolio of mutual funds. A portfolio is a combination of different funds that meet your objective.

The whole business of creating a portfolio becomes even more complicated because the risk taking ability of an investor changes over time. This article is about creating and balancing your mutual fund portfolio. We have identified 4 model mutual fund portfolios that cover almost the entire investing population. These include the conservative investors as well as the aggressive ones who have a high appetite for risk. This article also covers retirees who want a stable income stream during their retirement years.

Before choosing your portfolio, you need to figure out 4 criteria for yourself:

a) Your risk taking appetite

b) Tax friendliness of your instrument- i.e. how much tax you are likely to pay on your yield

c) Period of investment- it may vary from 1 year to more than a decade

d)Return expectations- your expectation may vary anywhere from 8% per annum to  more than 12%.

The 4 types of mutual fund portfolios

1. Wealth Maximizer- This portfolio is for the young investor who has just joined the workforce and is in his 20s or early 30s. This investor has a high risk appetite and won’t mind losing small amounts of money as long as his investment fetches him a very good return over  short to medium term. Typically, this maximizer fund comprises small and medium cap funds and a multi-cap fund to balance out any risks.

One such mutual fund that has delivered a very high yield in one year is the SBI Small and Mid Cap Fund that has topped the small cap market. It delivered an annual yield of 66%. Another notable MF is the Mirae Asset Emerging Bluechip that has yielded 23% over the past 3 years.

Please note that the mid and small cap market looks volatile now and the road ahead is bumpy. Some MFs in this category have closed down their schemes and are now accepting new SIPs with new and tougher conditions.

2.  Growth builder funds- If you are looking for  stable and long-term growth, then opt for those mutual funds that have invested in companies having strong brand values, and have been in business for very many years. Some of these companies belong to the Tata and Birla groups, Larsen Toubro, Asian Paints etc.  

While small cap funds may have delivered a fantastic growth, the large cap market hasn’t lagged either. However, the returns from this category have not matched with its growth. The large-cap category grew 26 % in 2016 but its yield has remained low over the past 3-5 years. Some of the outstanding AMFs in this category are the Franklin India Flexi Cap, Kotak India Select Focus, and Birla Sun life Frontline Funds.

3. …

The Benefits of Building a Fence Around Your Business

While many moving pieces go into the hustle and flow of your business, there are a few investments that might fall by the wayside during planning that could prove highly functional for your company. One of these investments includes installing a proper fence around your business, a professional move that could improve many areas of your property, and the success of your business overall. Read on to discover various benefits that putting up a commercial fence could have for your company.

Undeniable Added Security

This might seem obvious, but putting up something like a wood fence Columbus, Ohio could greatly improve the security of your commercial property. Any business is prone to dealing with vandalism or theft during closed business hours. Having a camera system set up can certainly be helpful, too, but giving trespassers or worse criminals a more difficult challenge in getting onto the property altogether is bound to create a more secure environment over time.

Marked Access Areas

Depending on your business, having certain areas marked off for restricted employees can be wildly helpful in keeping your business streamlined and controlled. If you have a designated fence acting as protection to keep out trespassers, then anyone wandering through would know these areas were restricted and therefore off-limits to them without permission.

Enhanced Curb Appeal

Fences don’t only have to be built for security risk purposes. A beautifully-built fence can create immense curb appeal for your company, giving it a classy, professional look that announces your legitimacy and trustworthiness as a serious business. Having any kind of fence can be inviting and impressive to new clients, giving them a reassuring feeling that you’re a neat and organized business owner who takes care of his/her property.

Whatever your reason may be for installing a commercial fence, there are various benefits to keep in mind which can lead to a more successful future for your company.…

Stop Spending Impulsively With These Essential Tips

It’s hard to avoid your spending problem especially when you’re at the point where you already have frozen all of your credit cards. You try so hard to stay away from your favorite shopping malls however you still screw up your budget almost every month. Now, it’s about time to keep your impulsive spending in check.

You probably already read a lot of spending tips but you still manage to destroy your set budget for the month completely. Most of these blogs and books forget to focus on talking about a person’s willpower in stopping impulsive spending.

Sure, you can try to cut up all of your credit cards. However, these won’t stop you from getting tempted to buy things. One thing you can do is to avoid your spending impulse and fight it. Spending hacks do help however if you don’t have the willpower to do stop spending, you won’t get anywhere.

Here are tips to stop you from spending impulsively.

Wait It Out

Force yourself and wait. This will hone not only your willpower but also test it. You can try to set a rule such as a $120 rule. Here, you tell yourself to avoid buying stuff that’s more than $120. Other than that, you can force yourself to wait at least one week so you can think whether or not you want it or you are just impulsive.

Depending on your budget, you can change the numbers. You can try a $25 rule or lower. But the main point is that you should give yourself more time to decide whether or not you should spend. Aside from that, waiting will give you more time to look at discounts and deals.

Sometimes, impulsive spending is not just about big purchases. They can also be small purchases. You can try spending some time before buying something. Say you want to buy a $10 book, give yourself 10 minutes to think about it. If it’s a $20 stuff, give yourself 20 minutes and so on. It all depends on you.

If you’re thinking of making a home improvement or buying a second house, you can try cash out loans in Texas, however, give yourself some time to consider whether or not these are what you want.

When it comes to buying on Amazon, there’s the Amazon Contemplate Chrome extension that you can use. Everytime you click on something you want to buy, it will force you to wait for around 30 seconds. This gives you time to think hard whether you want the item or not.

Focus on Opportunity Cost

Resist the urge of spending and splurging by saving up for a specific goal. Think of spending as your enemy in achieving your financial goal. If you wanted to get out of debt by a particular date, thinking of buying a new bag will make you feel about your debt, so you avoid spending.

In general, an opportunity cost is what you are willing to give up …

Will your products survive the shipment?

Shipping anything can be rough on the contents of the box. Before you ship anything, whether it is medical grade products or not, you need to know whether the contents will pass or fail. It will make it easier for you to know what kind of packaging you should use.

Focus on Packaging

There are a lot of different ways to package pharmaceuticals, medical supplies, and more. You want to make sure that it can withstand being dropped. Further, you need to make sure that the product won’t burst when it’s exposed to hot or cold temperatures. By reviewing different packaging options, you can choose a better way to ship everything.

Schedule Tests

ISTA testing will tell you more about what you need to know about your packaging. For example, if your product is exposed to humid conditions during the shipping process, will it accelerate the aging of the product? If this happens, the expiration date you have stamped on the product is no longer valid. By scheduling a test, you can get more accurate results so you can make informed decisions about the packaging and how things should be shipped.

Meet Regulatory Requirements

There may be a number of regulatory requirements that you have to adhere to when shipping a particular product. You will want to meet these regulations. To be on the safer side, you may want to exceed the requirements. This way, you won’t run into any problems when the recipient receives the product.

Packaging consulting is available to help you with shipping products. It will make it easier for you to focus on safe and reliable transport of your products so that they are received in the same condition that they left you. With better packaging and ISTA testing, you can be confident of every shipment.…

Use the Power of the Internet to Increase Sales in Real Estate

When it comes to being a successful real estate agent, you need to think outside the box. You want to reach as many customers as possible. While your business card, ads in the paper, and billboards are a step in the right direction, the internet and email marketing for real estate agents open the door to more possibilities. When you build an online presence, you can easily extend your audience. It’s easy for both you and the customer when you communicate via email.

Add a Personal Touch to Your Selling and Buying Strategy

When you build an email list to contact your clients and potential clients, you will be amazed at how much easier it is to make real estate magic happen. As soon as property comes up that is a good fit for one of your customers, you can make contact. It’s fast and efficient. With mobile devices, laptops, and tablets, everyone is connected. They’ll get the word from you right away about a home or business that needs to be snapped up. At the same time, your customers can communicate easily with you. If they want to sell their property or they are ready to jump on a recommended site, all they need to do is shoot out a quick message.

Get the Ball Rolling Faster

You have to work fast when it comes to prime real estate, getting the word out to interested customers as soon as possible. If you want to be the agent to make the sale, you need to be proactive. Sending out that email at the right time could make a world of difference in your sales. Your customers will appreciate it when you take the time to reach out to them. At the same time, you won’t be interrupting them on the phone. They can contact you at a time that suits their schedule. You may find that more and more communication takes place online because it is so easy for everyone.…

Global Polycarbonate Market Forecast By 2022

Polycarbonate (PC) plastics are impact resistant, flexible and highly transparent but not scratch resistant. Other elements can be added to supplement its heat handling capacity. Items made of polycarbonate include plastic lenses in eyewear, medical devices, greenhouses, digital discs, lighting fixtures, car windows, clear tubing, and 3D printed models.

Due to its characteristics, PC polymers are used in a variety of materials across different industries ranging from automotive materials, consumer goods, building & construction, and eyewear. The transparency of polycarbonate is similar to glass, but PC is stronger and lighter in weight than glass. To combat the risk of scratches, a scratch resistant top-coat can be added to polycarbonate.

As polycarbonate is a thermoplastic polymer it can be recycled by melting and reshaping into the desired form. In contrast to thermoset plastics which can only be shaped once, polycarbonate can be heated to its melting point and given a new shape multiple times without any significant loss in quality. Since traditional plastics do not degrade easily, using PC plastics decreases the need for creating multiple 1-use thermoset plastic items.

The global market forecast for polycarbonates is promising due to the versatile and recyclable nature of PC plastics. The polycarbonate pricing may be hampered by volatile prices of raw materials; however, the global demand is forecast to reach $14.58 billion by 2022, growing at a CAGR of 3.4 percent.

Here is a look at the Polycarbonate market forecast across major global regions:

North America

There has been a stable growth in the North America polycarbonate market which is expected to rise in the coming years as polycarbonate is one of the most commonly used thermoplastics in end-use segments. Most popular applications for polycarbonates in the North American markets are automotive, consumer goods, electronics, medical equipment, optical media, and sheet film.

In addition, upcoming technologies and innovative techniques to use polycarbonates are expected to further fuel the growth of the PC market in North America.

Europe

The polycarbonate market in Europe has witnessed a linear growth over the years which is expected to continue in the near future driven by the efforts of countries at a national level, led by Germany, UK, France, Italy, and Spain.  

A significant portion of the polycarbonate sector in Europe was for electronics industry applications, led by large-scale demand for consumer electronics and gadgets. Other fast-growing end-use segments comprised of automotive and optical media.

APAC

The Asia-Pacific (APAC) polycarbonate market has been experiencing immense growth and is expected to continue on its trajectory, with China and India contributing to the high consumption of polycarbonates, followed by Japan, South Korea, and Taiwan. More than half of the global consumption of polycarbonates has been recorded in the Asia-Pacific region.

Technological advancements in major end-use segments and large population numbers have been credited for the surge in polycarbonate demand in APAC. The largest share segment for application of polycarbonates was consumer electronics, followed by automotive and optical media.  

Across the globe, polycarbonate is one of the most commonly …

The Importance of Cleanliness in Healthcare Settings

If you were ill and went to a hospital that did not appear clean, would you stay? The answer is undoubtedly no. Not only do hospitals and other healthcare facilities need to be clean, but they must be sanitary. When people visit a doctors office or hospital, it is very likely that their immune system is already compromised by their illness. The risk of healthcare-associated infections (HCAIs) is another reason that sanitary conditions must be maintained.

Constant Cleaning is Key

Since hospitals and other healthcare facilities are open 24/7, there is a need for constant cleaning. People come and go at all hours, and this increases the risk of the spread of germs, infections, viruses, and more. Since many are so large, it is not easy to keep up unless cleaning is done consistently. Not only must reception areas and waiting areas be kept in prime condition, but restrooms, patient areas, and treatment rooms have to be thoroughly cleaned to reduce cross contamination.

Choosing the right cleaning service will ensure that healthcare facilities prevent and limit the chance of contracting an infection. This is why companies, such as Mid City Cleaning, provide janitorial services minneapolis. A service should be aware of all the places people can come into contact with germs and contagious infections.

Educating Staff on Cleanliness

Although the main role of nurses and other healthcare workers is to care for patients, they are responsible for maintaining cleanliness in certain situations. Not everything can wait until a cleaning person arrives. They should be aware of their environment and whether cleaning quality is up to acceptable standards.

Keeping high-risk areas as clean and sanitary as possible lowers the risk of spreading infection. This can include public restrooms, emergency rooms, operating rooms, areas that contain sterile supplies, and outpatient areas. Most healthcare workers understand the concept of washing their hands and wearing gloves. However, continued education is another way of helping to keep staff informed about safety precautions that reduce infection.…

Is Brexit Making It More Expensive to Undertake Home Improvements?

The subject of Brexit has been done to death in the media – continual discussion and op-ed pieces of whether the UK should stay or go. But in the end, will it really matter that much? After all, it very likely that life will continue much as it has in the past once the hard deadline of 29 March 2019 comes around.

But what statistics are showing is that Brexit is having an impact on the construction industry and the knock-on effect has meant that the cost of home improvements is steadily increasing.

Brexit’s Direct Impact

However, how do we know that it’s Brexit that is causing these costs to soar? Examining the subject in a bit more detail, the answer is a hard ‘perhaps’. Brexit has put pressure on the labour market of that there can be no doubt and with more people exiting the UK for one reason or another, that means that there are less skilled tradespeople around to perform home improvements and economics 101 teaches us that scarcity cause prices to increase.

The statistics tell the story in more detail. Recent research by Britain’s ‘Office for National Statistics’ has revealed that there is a discrepancy between EU citizens entering the UK and those that are exiting – and the shortfall is around 87,000 people. It’s almost inevitable that some of those who left were skilled tradespeople and they are not being replaced by an influx of new talent.

Add to this the fact that the influx of migrants from the so-called A8 countries, that is those countries who joined the EU in 2004 went from positive to negative for the first time. 45,000 people arrived and 47,000 left for the EU mainland.

These are the very people who arrived in Britain in search of a new life in the construction and building industries. And with their departure, a pool of talent simply evaporated.

These were immigrants who were working in diverse industries such as manufacturing of windows and doors. With the shortfall recruitment costs have gone up – there’s that scarcity issue again.

And there is more bad news for those who are in the market for home improvements. The Office of National Statistics reported that in October 2018 wages spiked to a level 3.1% above that reported for the three months leading up to August 2017. This means that wages have increased at a level that has not been seen since the 2008 global credit crunch.

Can we place the blame on the confusion and infighting that has surrounded Brexit? It would be hard to place the blame on a specific set of circumstances, but what is beyond doubt is that labour costs are skyrocketing. An increase in labour costs is inevitably passed on the consumer. The falling pound value has also not helped as far as production costs are concerned.

Long Term Effects

So what are the long term effects on home improvement companies, like Lewis Visuals, due to the current political …