7 Ways of Reducing Your Business Expenses in 2017

If your business has been crushed under the weight of your own business expenses, then it’s the right time for you take a change. Costs are the ones that matter and when I say it does it does. In its infancy most of the business organizations do not even know where and how their money is being spent. And as the business continues to grow they do find themselves no longer able to watch as closely as every dollar is being spent. Given below are the 6 major different ways of reducing your business expenses.

Go Paperless

Seek out different ways that could help you reduce the business reliance on paper based methods, as documentation is one of the most important ways that could help you save your money. Research studies have shown that close to 40% of the paper copying is thrown away within 24 hours before its being printed. This is an incredible waste. Expense management software solutions are one of the best ways of reducing paper and ink wastage.

Consider Hardware Updates

Newer technology is more or less expensive in order to maintain than old technology and is more efficient. A discussion on potential technology changes and the updates on your telecom vendor could help you save a lot of money and time.

Perform an Audit

Having an audit done would help you see how much you have been paying for these services, and what services take the biggest bite out of your own budget. The entire process would seem to be a complex one but would help you uncover the error that is going to be ongoing and significant. Do not just blindly believe on your vendor in order to get things right.

Engaging in Social Media to Increase Sales

Everyone does it right but not each and every one would do it right. Great imaginary are very sharable, so have photos taken having an opinion and regular update on the social media feeds generating local interest in your brand, products and services.

Benchmark Against your Industry and Know the Competition

Establish metrics that are not just meaningful to you and your business, but even comparable to those used by the other business organizations related to your industry. And in case you see that you are spending a lot more in a few categories then drill down and see why it has happened and take an appropriate action in order to reduce those industry norms.

Tracking your Expenses Regularly

While dealing with expense management software solutions you would here need to understand your historic costs before planning for the future. This would again require the process of gathering data in an effective and efficient manner.

Crowdfunding for Financial Support

Crowdfunding are said to be one of the most amazing opportunities for a start-up or project, in order get a financial support that would not require any sort of an prohibitive degree or risk. Try and make sure that any attempt made in generating investments is well planned and executed, as there are is no guarantee that your campaign would turn out to be a successful one.

To conclude when it comes to the entire process of managing the business expenses, there is nothing that is set in stone. Things could always be moved away, modified and pared down in general. So if you have been looking out for some of the pressure on your annual budget then follow these seven major tips for a brighter future and a much more affordable business.

Author Bio
Melissa Patterson is a freelancer and has experience of over 5 years in expense and travel management software. She has in-depth knowledge about managing travel and different type of expenses incurred in business. She writes about business expense management software as a freelancer.

Originally posted 2016-02-05 00:49:17. Republished by Blog Post Promoter

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Current Mortgage Rates for Friday, March 31, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Mortgage rates have basically been inching up all week, and that trend is continuing today. The most significant piece of data of this week–the PIC report–was released this morning. That report contains the Fed’s preferred measure of inflation, the PCE index. Today’s report was significant in that for the first time in almost five years the PCE index came in over the Fed’s target of 2.0%, at 2.1%.

Click here to get today’s latest mortgage rates (Mar. 31, 2017).

A handful of Fed officials have stated during recent speaking engagements that upwards of three or four more rate increases could happen in 2017, especially if inflation starts to take off. It’s too early to tell if today’s report is the start of continued upward pressure on inflation or just a one off event, but there’s no doubt investors are beginning to take seriously the notion of several more rate increases this year.

Typically, this sort of data would send Treasury yields and mortgage rates higher, but an early interview TV interview from New York Fed President William Dudley is keeping rate hike expectations at bay. He quickly shot down the fact that inflation is above the Fed’s target, choosing to look at the core PCE reading which is at 1.8%. To Dudley, “Inflation is still a little bit below our target, if you look at the underlying pace of inflation.” He went on to say that:

“That tells you there is not this huge rush that we have to tighten monetary policy quickly. The economy is not overheating… A couple more hikes this year seems reasonable. If the economy is a little bit stronger than we expect, we could do a little more, and if it’s weaker than we expect, we could do a little less.”

Dudley is a voting member of the FOMC and is seen as closely reflecting the views of Fed chair Janet Yellen. Despite many Fed officials seemingly leaning on the hawkish side of things, with Dudley and (possibly) Yellen only expecting two more rate hikes, most investors aren’t willing to commit to a quicker rate hike pace just yet. The conversation is certainly picking up and getting more interesting, though.

Freddie Mac PMMS has mortgage rates down

Mortgage rates moved lower this week in the Freddie Mac Primary Mortgage Market Survey.

• The average rate on a 30-year fixed rate mortgage fell nine basis points to 4.14% (0.5 points).
• The average rate on a 15-year fixed rate mortgage slipped six basis points to 3.39% (0.4 points).
• The average rate on a 5-year adjustable rate mortgage sunk six basis points to 3.18% (0.4 points).

Click here to get today’s latest mortgage rates (Mar. 31, 2017).

What does this mean for me?

Mortgage rates moved up a bit this week, but are still not far off from 2017 lows. The fact that the average rate on a 30-year fixed rate fell nine basis points last week means that there is a decent hole to climb out of to get back up there. Anyone looking to refinance their current mortgage or purchase a new home is dealing with a fairly accommodating mortgage market.

You can check out today’s rates here, or if you’d rather talk to a loan officer on the phone our lines are open all day. It only takes a quick conversation to find out if you could be saving money on a refinance, or what kind of loan would be best for your purchase.

Today’s economic data:

Personal Income and Outlays

The big news in the PIC report for February is the PCE price index coming in at 2.1%. That’s the Fed’s favorite inflation reading and it’s the first time in almost five years that it’s come in over the Fed’s target of 2.0%.

Also noteworthy from the report is consumer spending rising a meager 0.1%, despite incomes rising by 0.4%.

Chicago PMI

The Chicago PMI came in slightly over the consensus of 57.0 at 57.7. With production and new orders up, it could mean good things to come for the economy.

Consumer Sentiment

Consumer sentiment for March came down a little from it’s previous reading of 97.6, settling in at 96.9. It’s possible that the health care flop last week played into the decline of this reading.

Fedspeak

• Minneapolis Fed President Neel Kashkari at 10am
• St. Louis Fed President James Bullard at 10:30am

Notable events this week:                                                     

Monday:     

• Fedspeak

Tuesday:     

• International Trade in Goods
• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• State Street Investor Confidence Index
• Fedspeak

Wednesday:   

• Fedspeak
• Pending Home Sales Index
• EIA Petroleum Status Report

Thursday:   

• GDP
• Jobless Claims
• Fedspeak

Friday:   

• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Rates are still near record lows.  Contact us today to see if we can save you money on your home payments.

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Current Mortgage Rates for Thursday, March 30, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Mortgage rates not too far from 2017 lows

There have been up and down moments this week, but mortgage rates have mostly stayed flat. There was a spike on Tuesday afternoon after the release of the stellar consumer confidence report, but rates have since improved a bit from that high point.

All week long we’ve kind of been marching steadily toward the PIC report tomorrow morning. In that report, we’ll get the latest reading for the personal consumption expenditures (PCE) index, which is the Federal Reserve’s favorite measure of inflation. Financial market participants always pay close attention to this report, and there will no doubt be market trading based on its outcome.

Click here to get today’s latest mortgage rates (Mar. 30, 2017).

Anything at or above the Fed’s target of 2.0% should send Treasury yields and mortgage rates higher, as it would mean a greater likelihood that the Fed will pick up the pace of their rate hike path. On the other hand, if that reading comes in below 2.0%, we could see rates improve. Right now economists are predicting a reading of 1.7%. The PIC data will get released at 8:30am tomorrow morning.

Freddie Mac PMMS has mortgage rates down

Mortgage rates fell this week in the Freddie Mac Primary Mortgage Market Survey.

• The average rate on a 30-year fixed rate mortgage dropped nine basis points to 4.14% (0.5 points).
• The average rate on a 15-year fixed rate mortgage sunk six basis points to 3.39% (0.4 points).
• The average rate on a 5-year adjustable rate mortgage fell six basis points to 3.18% (0.4 points).

Click here to get today’s latest mortgage rates (Mar. 30, 2017).

Here is what chief economist at Freddie Mac Sean Becketti had to say:

“The 10-year Treasury yield remained relatively flat this week. The 30-year mortgage rate fell 9 basis points to 4.14 percent, another significant week-over-week decline.  Despite recent mortgage rate fluctuation, new home sales far exceeded expectations in February and jumped 6.1 percent to an annualized rate of 592,000.”

Word from the Fed

San Francisco Fed President John Williams made the claim yesterday that the U.S. economy is fully recovered from the financial crisis. He said, “The data have spoken, and the message is clear: We’ve largely attained the hard-sought recovery we’ve been after for the past nine years.” Williams stated that the Fed could raise rates up to four more times in 2017, but that the the greatest opportunity for economic growth will come from decisions made by Congress, the Trump Administration and the business sector.

Boston Fed President Eric Rosengren went even further yesterday, saying that four more rate hikes in 2017 should be the Fed’s “default position.” Here it is in his own words:

“The perception seems to be that the outcome of each FOMC meeting depends on nuances of incoming data, with the base case being no change in rates… My own view is that an increase at every other FOMC meeting over the course of this year could and should be the committee’s default.”

Rosengren is not a voting member of the FOMC this year.

What does this mean for me?

At 4.14%, the average rate on a 30-year fixed rate mortgage is only five basis points above its lowest reading of 2017 in the Freddie Mac PMMS. That means that right now is a great time for anyone looking to lock in a rate on a purchase or refinance. All it takes is a quick call to one of our loan officers to get started.

Today’s economic data:

GDP at 2.1%

The third estimate of fourth quarter GDP came in this morning at 2.1%. That’s two tenths up from the prior reading and one tenth above what economists had expected. An increase in consumer spending helped push things higher. The GDP price index also rose one tenth up to 2.1%.

Jobless Claims

Applications for U.S. unemployment benefits fell 3,000 to 258,000 for the week of 3/25/17. While a decline is good, it’s still 11,000 above the mark economists had expected. The four-week moving average is now at 254,250.

Fedspeak

• Cleveland Fed President Loretta Mester at 9:45am
• Dallas Fed President Robert Kaplan at 11:00am
• San Francisco Fed President John Williams at 11:15am
• New York Fed President at 4:30pm

Notable events this week:                                                    

Monday:     

• Fedspeak

Tuesday:     

• International Trade in Goods
• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• State Street Investor Confidence Index
• Fedspeak

Wednesday:   

• Fedspeak
• Pending Home Sales Index
• EIA Petroleum Status Report

Thursday:   

• GDP
• Jobless Claims
• Fedspeak

Friday:   

• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Rates are still near record lows.  Contact us today to see if we can save you money on your home payments.

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Alternative Facts & Fake News: The Unjust Hatred For Tuukka Rask

    Ladies and Gents, the most HATED man in Boston is Tuukka Rask, the goaltender of the Boston Bruins. The Tim Thomas militia make their case base on Alternative Facts and Fake News. Let me prove it….. Rask is blamed and slammed on social media for NOT being Tim Thomas. The same Tim Thomas [...]

The post Alternative Facts & Fake News: The Unjust Hatred For Tuukka Rask appeared first on Boston Sports Then & Now.

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5 Checks before Buying Ad Servers

Bigger ad units ask for higher CPMs, but are low on their selling rates. Smaller units sell more easily, but their rates are low. For all publishers, understanding this tradeoff has been really painful for a long time. A lot of guessing in the sales team is tantamount to gambling with the money invested. But thanks to ad server solutions, publishers can now adjust their supply to changing demands.

If you identify both, short-term and long-term advertising needs, the right ad-server solution will be easy to find. It will help in efficient daily functioning of ad operations, selling of more ads, and thereby generate higher revenue. But it’s important to know what your ad server offers. Check out these five factors.

Trial and Demonstration

One of the most effective methods of testing the software is live guided demonstrations. Complete the entire loop of creating one new ad, reporting its performance, and finding if you are comfortable with the flow of work. With self-service demonstrations, you can readily experiment at your convenience without being pressurized by sales people.

Managing the Ad

The process of setting up advertisements and modifying them should be easy and intuitive. Your ad server should set up all your advertiser’s ads fast, irrespective of whether you have the technical knowledge or not. Your ideal ad server will have on-page instruction and an intuitive working mode. It should ideally package complex functions into simple, intuitive, and streamlined interfaces. It should support multiple ad types, ad templates, and ad formats together. Manage your ads by using the built-in capabilities and save time and money, and reduce unnecessary complexities.

Cost Factor

Ad servers can be of various types. Free ad servers or open-source ones exist alongside expensive ones. But what features do you need to run an effective campaign? Your company’s growth is dependent on consistent revenue. Fees acquired will be based on traffic, impressions, size, and income.

Is Tech Support Necessary?

Customer service or technical support is available with the more expensive varieties. User-community support on different forums is available, but they can be unreliable for resolving critical issues. If you are resourceful, you will be able to take full advantage of free offers. Someone like a technology consultant can work on and maintain your product. Being biased in favor of free solutions might put you in a complex supply-chain strategy for just one solution.

Customizations

Your ad server has to be compatible in offering additional features or tailor additional features according to specific requirements. Useful add-ons can be private branding, an ad network module, and media file management. Using a technical extension, your IT team can easily integrate all the internal business processes and ad servers.

Ad servers also have precautionary features like ad serving, ad targeting, ad tracking, and ad reporting. Look for them to ensure you are on the right track and sort your priorities as per your budget and long-term goals. Ultimately, maximum automation of your ad operations is always going to be beneficial.

Author Bio
Preethi vagadia is currently a Senior Business architect with the Service operations practice at a well-known IT Industry in Bangalore. She has worked in several process improvement projects involving multi-national teams for global customers. She has over 8 years of experience in AdServer Solutions and has successfully executed several projects in Logistics management, Logistics Integration, Reverse logistics, Warranty software and Programmatic Solutions.

Originally posted 2016-02-04 00:12:02. Republished by Blog Post Promoter

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Current Mortgage Rates for Wednesday, March 29, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Mortgage rates tick down after Brexit formally begins

It’s been an up and down week for the markets so far. After getting hammered on Monday, the U.S. stock market found some legs to stand on with the release of the Consumer Confidence report for March.

The report, which surveys consumers about their economic optimism, boasted a reading of 125.6. That happened to be the highest reading since December 2000. And it wasn’t as though this was expected: the economic forecast was for a 114.

Click here to get today’s latest mortgage rates (Mar. 29, 2017).

The yield on the U.S. 10-year Treasury note (the best market indicator of where mortgage rates are headed) rose about five basis points in afternoon trading. Today it’s come down a little over two basis points to 2.39%.

The downturn today is mostly due to the fact that the U.K. formally began the Brexit process with the deliverance of Prime Minister Theresa May’s Article 50 letter to the EU. Now it’s on to two long years of negotiation to figure out exactly what a Brexit will mean.

It’s already been signaled that it will be a “hard Brexit”, meaning that the U.K. will leave the common market, but several important details remain to ironed out. European Council President Donald Tusk did not mince words when he said there is “no reason to pretend this is a happy day.”

All of this means that mortgage rates are slightly above where they were at the start of the week. There are a few speaking engagements from Federal Reserve officials today, but it’s not certain that there will be any market moving comments. So far this week, the fedspeak has been fairly tame and hasn’t been fuel for any significant market trading.

Click here to get today’s latest mortgage rates (Mar. 29, 2017).

Checking in with the CME Group’s Fed Fund futures we can see that the probability of a quarter point increase in the federal funds rate at the June meeting is unchanged from yesterday at 50.7%.

What does this mean for me?

It’s been a roller-coaster week so far. The biggest threat to rising rates remains the PCE data on Friday morning. If you aren’t in a position to deal with the risk of a spike in rates, it would make sense to lock in a rate before then. Rates are still on the low side for 2017, so it could be a prudent decision to take action.

Click here to get today’s latest mortgage rates (Mar. 29, 2017).

For anyone who wants to roll the dice, you could always wait until Friday and bank on inflation not coming in near the Fed’s target. It really boils down to what kind of borrower you are, and what your current situation looks like. It doesn’t take long to pick up the phone and call one of our loan specialists to find out what the best course of action for you is.

Today’s economic data:

Fedspeak

• Chicago Fed President Charles Evans at 9:20am.
• Boston Fed President Eric Rosengren at 11:30am.
• San Francisco Fed President John Williams at 1:15pm.

Pending Home Sales Index

Pending home sales are up 5.5% in February, bringing the PHSI up to 112.3. That’s the highest reading in 11 months and the second best reading since 2006. While this increase, which is well above the consensus, is good news, the year on year rate is still fairly low at 2.6%.

EIA Petroleum Status Report

For the week of 3/24/17:

• Crude oil: 0.9 M barrels
• Gasoline: -3.7 M barrels
• Distillates: -2.5 M barrels

Notable events this week:                                                    

Monday:     

• Fedspeak

Tuesday:     

• International Trade in Goods
• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• State Street Investor Confidence Index
• Fedspeak

Wednesday:   

• Fedspeak
• Pending Home Sales Index
• EIA Petroleum Status Report

Thursday:   

• GDP
• Jobless Claims
• Fedspeak

Friday:   

• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Rates are still near record lows.  Contact us today to see if we can save you money on your home payments.

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567 Clarke + Como by Marcon – Availability, Plans, Prices

At a Glance

• Coquitlam’s tallest building
• 364 market condominiums
• 2 commercial units
• 20,000 sq ft of amenity space
• 530 underground parking spaces
• public plaza
• adjacent to Evergreen Line transit station
• near Simon Fraser University
• close to Lougheed Town Centre shopping

The Intersection of Life + Style
Marcon Developments presents 567 Clarke + Como, a striking transit-oriented landmark that brings urban convenience to relaxed suburban living. Coquitlam’s tallest building offers an attractive mix of one- to three-bedroom homes with enough density to give residents an outstanding selection of amenities, in addition to nearby golf, lakes, and trails.

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With the Evergreen Line’s Burquitlam Station just steps away, you’ll reach the West Coast Express commuter train in only one stop. Coquitlam Centre and Lougheed Town Centre are also on the line, making it a breeze to meet all of your shopping needs without the hassles of traffic and parking, doubly so if you want to meet friends at Port Moody’s booming Brewers Row when the work week is done. Given the vibrant community development we’ve seen around other transit nodes, like Marine Gateway and Brentwood, expect the selection of amenities, services, and leisure activities in the surrounding neighbourhood to only get better.

Pricing for 567 Clarke + Como
Marcon have not yet released final pricing details. Nevertheless, sign up to our VIP list to ensure you keep up-to-date on this remarkable opportunity to buy.

Floor Plans for 567 Clarke + Como
Plans call for 364 homes with a mix of 122 x 1-bedroom, 217 x 2-bedroom, and 25 x 3-bedroom condominiums. Contact me to discuss availability of plans suited to your particular living needs.

Amenities at 567 Clarke + Como
Residents will enjoy an exceptional selection of amenities that include a 7,600 sq ft landscaped podium rooftop with basketball court, sandbox, artificial grass for dogs, and an outdoor kitchen with barbecue area. The entire 29th floor will be a 6,650-sq ft amenity room, while the top floor Sky Lounge with outdoor rooftop patio offers a relaxing space to marvel at the stunning panoramic views. Utilize the services of the building concierge for when you aren’t available to take deliveries or greet guests.

Parking and Storage
567 Clarke + Como will include 449 resident and 81 visitor & commercial underground parking spaces.

Maintenance Fees at 567 Clarke + Como
As yet to be determined.

Developer Team for 567 Clarke + Como
Beginning life as a construction company has given Marcon Developments the experience to deliver homes not only of high standards, but also of high value. Homes built with extra attention to detail – where the fit and finish is just that much better. Marcon has developed some notable residences over the years, such as the first high-rise in Canada to achieve LEED certification. Building to these standards helps to future-proof your home, as well as allowing you to breathe easy from the first day you move in.

GBL Architects is a cohesive and progressive Vancouver based firm of 38 architects, project managers and technicians with a 25-year reputation of providing a full range of architectural services to the private and public sector. The firm has built its reputation on high-quality design, tight project management, technical proficiency, financial responsibility and keen administrative skills.

Trepp Design delivers carefully-contemplated, distinctive solutions customized to meet unique interior design needs for residential, multi-family, and commercial projects. TDI expresses individual preferences in inventive ways, leaving an iconic imprint on each environment. The team creates inspired designs with a timeless look and future-focused feel for local, national and international clients.

Expected Completion for 567 Clarke + Como
To be announced.

Are you interested in learning more about other homes in Brentwood, Lougheed, or Metrotown?

Check out these great Brentwood Presales!

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Cambie Gardens by Onni – Pricing & Floor Plans to Come!

At a Glance

• 2,160 market residences
• building heights from 3-28 storeys
• retail & commercial space
• community health centre
• YMCA with 25-metre pool & therapeutic pool
• 69-space child care facility
• 2.5-acre park
• urban farm
• new Canada Line transit station

Healthy Community Living
In partnership with Vancouver Coastal Health, Onni Group and IBI Group Architects are redeveloping this 25.4-acre Cambie Corridor site into an exciting mixed use, master-planned community based on the City of Vancouver’s objectives for environmental, economic, and social sustainability. To that end, Cambie Gardens will offer a variety of housing options, retail & commercial space, healthcare facilities, social & recreational opportunities, space for urban agriculture.

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Find Out About New Presales & Get Access to VIP Openings & Special Promotions!

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• E-mail *
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• I Am Interested In *
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Beyond the extensive amenities and services that will be available within Cambie Gardens, a new Canada Line rapid transit station to be built at 57th & Cambie will give residents exceptionally convenient access to shopping at Oakridge Centre, McArthurGlen Designer Outlets, Richmond Centre and the leisure pursuits of downtown Vancouver. A mere 12-minute jaunt to YVR puts the world at your doorstep.

Pricing for Cambie Gardens
Sign up above to our VIP list for priority access to availability, plans, and pricing.

Floor Plans for Cambie Gardens
A significant number of 2- and 3-bedroom homes appropriate for families are called for in the Cambie Gardens master plan. With Sir Wilfred Laurier and Sir Winston Churchill Secondary schools located at Heather & 57th, don’t miss out on this outstanding opportunity to raise your children with everything they’ll need in close proximity.

Amenities at Cambie Gardens
An extraordinary range of community amenities will be available to residents within walking distance, including a new park, urban agriculture, child care facility, YWCA, plazas & public spaces, retail businesses, commercial spaces, and a new Canada Line transit station. We are awaiting plans to be finalized that will specify what will be offered in each building.

Parking and Storage
Ample storage and underground parking are to be included in each building. Details will be published once they are finalized for individual buildings.

Maintenance Fees at Cambie Gardens
To be announced.

Developer Team for Cambie Gardens
The Onni Group is one of North America’s leading private real estate developers, with extensive experience designing, developing, building and managing innovative projects. As a fully-integrated company that directly oversees every step in the development process, Onni has built over 10,000 homes. In addition, the company owns and manages more than 7 million square feet of commercial property, over 5,500 rental apartment units, and has an additional 10 million square feet in various stages of development. With offices in Vancouver, Toronto, Chicago, Los Angeles, Phoenix and Mexico, Onni continues to expand and diversify into new markets throughout North America.

IBI Group, a globally-integrated architecture, planning, engineering, and technology firm, has been retained as architects for Cambie Gardens. From high-rises to industrial buildings, schools to state-of-the-art hospitals, transit stations to highways, airports to toll systems, bike lanes to parks, they have designed every aspect of a truly integrated city for people to live, work, and play.

Expected Completion for Cambie Gardens
Cambie Gardens will be built in five phases. Construction and sales of Phase 1 are expected to begin in 2018.

Are you interested in learning more about other homes in the Cambie Corridor, Mount Pleasant, or West Side?

Check out these great Cambie Corridor Presales!

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TIPS TO HELP YOU DETOXIFY AND LOSE WEIGHT

4 Types of Showerheads

Content originally published and Shared from http://perfectbath.com

Your overall showering experience is affected by many factors. One of these is the type of showerhead you’re using. Check out four common showerhead types below:

Standard Wall-Mount Showerhead
The most economical option, standard wall-mount showerheads can be adjusted slightly by moving the shower neck. Models that offer varying spray types fit the needs of most users. Source: BHG

Hand-Held Showerhead
A hand-held showerhead is connected to a long hose and it sit in a cradle when it is not in your hand. Handheld showerheads can be used as a fixed shower head but when taken off the cradle they can be used for much more, like bathing pets, washing children, and even for cleaning the tub.
Hand-held showerheads are available in many different lengths of hose but to meet ADA compliance they must be at least 84” long. The longer the hose the more convenient but it could get in the way of the tub. Hoses between 60” and 72” work well for the average home. Source: Plumbing.About

Ceiling-Mount Showerhead
The ceiling-mount or top-mount showerhead is installed on the ceiling. The spray of this type of showerhead is reminiscent of rain, as water comes from directly overhead. Ceiling-mount showerheads come in many shapes and sizes. Some models can also be mounted flush to the ceiling, which is great for bathrooms with low ceiling heights. Source: Property24

Aerating Showerhead
By mixing air with water, these showerheads form a misty spray to make the flow feel more substantial. Laminar-flow showerheads form individual streams of water instead. On the models we tested, aeration cooled the water from 5 to 15 degrees F on its way from the showerhead to where it would hit your back. Laminar-flow showerheads may cost a little more, but they save energy by maintaining the water temperature better. And they don’t create as much steam and moisture, a plus especially if you live in a humid region. Source: ConsumerReports

Step up your shower experience by trying out a new type of showerhead! Contact us!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

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Current Mortgage Rates for Tuesday, March 28, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Mortgage rates continue to trend lower

Yesterday was a bump ride as financial market participants settled into their new positions in a slightly less optimistic , post-health care debacle environment. The yield on the U.S. 10-year Treasury note (the best market indicator of where mortgage rates are going) tumbled down to a one month low this morning at 2.361%. The lowest it’s been all year was 2.314% back on February 24th. Mortgage rates usually follow the lead of the 10-year yield, so right now they’re on the decline.

Click here to get today’s latest mortgage rates (Mar. 28, 2017).

Chicago Fed President Charles Evans stated yesterday that uncertainties within the U.S. economy are “pretty high”, but that inflation is “well on its way” to hitting the Fed’s target. Evans conceded that the Trumpcare failure adds to the uncertainty surrounding the economic climate.

It’s a fair statement, and it’s along the lines of what we’d expect from the Fed. They aren’t going to come out and explicitly state that it will slow down their rate hike path, but there’s no denying that waning market confidence in Trump’s abilities to kick a pro-growth economic plan into gear could have repercussions for the federal funds rate.

Dallas Fed President Robert Kaplan really nailed the fedspeak when he said yesterday that he will continue to support rate hikes “As long as I continue to see us make progress.” He did note that he would like the Fed to raise rates “gradually and patiently.” We will hear from several more Fed officials today.

Click here to get today’s latest mortgage rates (Mar. 28, 2017).

Mortgage rates continue to float lower this week, and they will probably continue that trend until Friday. That’s when the PIC report gets released, which includes the Fed’s favorite inflation reading. If that comes in at or above the their target of 2.0%, it’s likely that rates will move higher.

What does this mean for me?

We’re in a bit of a downturn for mortgage rates right now, which is great news for borrowers. As previously stated, there is a threat for rates to rise on Friday. That means that anyone looking to lock in a rate on a refinance or a purchase should do so sooner rather than later.

Today’s economic data:

International Trade in Goods

The nation’s trade deficit improved from $68.8 B in January to $64.8 B in February. That was mostly due to a 2.1% decline in imports.

S&P Corelogic Case-Shiller HPI

Home prices continue to climb in the U.S. Chicago, DC, and New York all saw solid improvement, but the west coast continues to take the top spots.

• The 20-city seasonally index rose 0.9% month over month in January.
• The 20-city non-seasonally adjusted index rose 0.2% in January.
• The 20-city non-seasonally adjusted index is now at 5.7% year over year.

Consumer Confidence

The consumer confidence index came in at 125.6 for March. That’s up over ten points from its prior reading, putting at its highest reading since December 2000! Economists had only expected 113.8, so this 16 year year high was a bit of a surprise.

Richmond Fed Manufacturing Index

The Richmond Fed Index jumped up to 22 in March. This is the seventh straight month of gains and the highest reading since April 2010.

State Street Investor Confidence Index

• The release of this report has been delayed.

Fedspeak

• Kansas City Fed President Esther George at 12:45pm.
• Dallas Fed President Robert Kaplan at 1:00pm.

Notable events this week:                                                    

Monday:     

• Fedspeak

Tuesday:     

• International Trade in Goods
• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• State Street Investor Confidence Index
• Fedspeak

Wednesday:   

• Fedspeak
• Pending Home Sales Index
• EIA Petroleum Status Report

Thursday:   

• GDP
• Jobless Claims
• Fedspeak

Friday:   

• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Rates are still near record lows.  Contact us today to see if we can save you money on your home payments.

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Current Mortgage Rates for Monday, March 27, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Markets dealing with repercussions from health care flop

The U.S. stock market is taking a hit this morning as financial market participants are coming to terms with a Trump administration that failed to get a key health care bill to a House vote last Friday. A key source of fuel for the “Trump Rally” had been investor optimism about his pro-growth plans, but the health care flop is being taken as a warning sign that the new administration won’t be able to implement change as quickly as they’d expected.

Click here to get today’s latest mortgage rates (Mar. 27, 2017).

Trump stated shortly after the health care bill was pulled that he’ll be switching directions and going after tax reform. On Friday, Treasury Secretary Steven Mnuchin said that tax reform is not quite as complicated as health care, and that he thinks they can get something implemented by the end of August. At this point, investors need more than promises to bolster their belief that change is coming.

The yield on the 10-year U.S. Treasury note sunk five basis points this morning to 2.35%–a fresh one-month low. Historically, mortgage rates trail closely behind the 10-year yield. That relationship has been somewhat shaky the past couple months, but the past few weeks they’ve been in tandem. That means mortgage rates are starting out the week on the decline, and are on track to drop for the second straight week.

Click here to get today’s latest mortgage rates (Mar. 27, 2017).

It will be interesting to see if anything can jolt investors out of their new found pessimism this week. Potential threats include several speaking engagements from Federal Reserve officials, and various economic reports, such as the third estimate of fourth-quarter GDP. Currently, though, it’s looking like low rates will win out the week.

Fed officials last week really failed to move the needle at all in terms of rate hike expectations, so unless they all really come out swinging, it’s doubtful that they will be able to overcome the current lull in the markets. Fourth-quarter GDP is expected to be revised one tenth higher up to 2.0%. Is that enough to push markets higher? It’s hard to say for sure, but it doesn’t seem likely.

Fed Fund Futures

June is still the next most likely candidate for a rate hike according to the CME Group’s Fed Fund futures, although the probability is down slightly (46% chance from 51% early Friday) from where it was pre-health care bill fail. It’s the first time in several weeks that June has been below 50%. Fed officials last week continued to signal for at least two more rates increases in 2017. How they adjust to the healthcare bill’s failure–if they even mention it at all in their remarks this week–will be something to keep an eye on.

What does this mean for me?

Mortgage rates are on track for another weekly decline, which is good news for borrowers gearing up for the spring home buying season. With rates heading back down to 2017 lows, right now is a great time for anyone to lock in a rate on a refinance or purchase.

Today’s economic data:

Fedspeak

• Chicago Fed President Charles Evans at 1:15pm
• Dallas Fed President Dennis Kaplan at 6:30pm

Notable events this week:                                                    

Monday:     

• Fedspeak

Tuesday:     

• International Trade in Goods
• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• State Street Investor Confidence Index
• Fedspeak

Wednesday:   

• Fedspeak
• Pending Home Sales Index
• EIA Petroleum Status Report

Thursday:   

• GDP
• Jobless Claims
• Fedspeak

Friday:   

• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Rates are still near record lows.  Contact us today to see if we can save you money on your home payments.

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Seventy Percent (70%) Electronic Safe Lockouts Can be Avoided

Seventy percent (70%) of Electronic Safe Lockouts and Electronic Safe Problems can be avoided by just having good quality batteries.

Terry Whin-Yates opening locked Sentry Electronic Data Safe

Mr. Locksmith has some of the newest and modern safe tools to open most  Electronic Lock Fire and Data Safes without or with minimal damage to  the safe door and no damage to the safe contents.

Most Electronic Safe lockouts and problems are a result of dead, failed or cheap batteries.  Replace AA or 9 volt batteries with new Duracell Batteries.  Many of the Electronic safe lockouts I attend, I just replace the batteries.  Sometimes the old batteries have corroded the contacts and I use a special Electronic Jump Box as a power boost to safely open the electronic safe. However, seventy percent (70%) of the lockouts I just replace the batteries.

Save yourself from an electronic safe lockout.  To get the newest and freshest batteries buy from a high volume shop like WalMart.  You can buy other batteries and take your chances but we use only Duracell batteries.

Terry Whin-Yates

 

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Ways to Monetize Your Facebook Page

If you have a popular Facebook page with many loyal followers, it may be time to look into capitalizing on your precious investment. Maintaining a popular social media page takes a lot of time and effort, after all, and you deserve to make money for your sacrifice.

To monetize your Facebook page, the main strategy is to sell space. Space in social media is different from physical space, like if you were selling billboard space for an advertisement. Instead, you give companies or content space within your posted content, so that the people following your posts will also see the paid information.

Getting paid depends on the cost-per-click (CPC) you worked out with the advertiser. The stipulations of payment will also be worked out with your advertiser, like whether you receive payment if they buy something or if they just visit the site.

So, who are these advertisers willing to pay for space on your wall? Here’s our list of the top 3 tools to use to monetize your Facebook page.

Shopify.com

You may have heard of a little site called Shopify, so long as you haven’t been living under a rock. Their terrific brand-recognition and credibility make them an ideal source for an affiliation program.

How it works: Shopify provides you with a special code to share on your Facebook page. Once posted, you start collecting money for every person who clicks the link and ends up signing up for the service. Shopify makes it easy to monitor the success of your affiliate campaign wish a helpful dashboard that tracks your cash.

In addition to earning money for each sign-up, their referral service pays 200% of a person’s original subscription fee to you. You can make some serious cash converting your audience into Shopify customers, especially since the universality of Shopify means it’s appropriate for many genres and niches of publishers.

Amazon.com

Amazon sells just about everything, to just about everyone. If you can’t find a way to use Amazon’s first rate affiliation program to your page’s advantage, you aren’t trying hard enough!

How it works: With Amazon’s program, you’re in control of both the content and frequency of links. Link any Amazon product detail page to your Facebook page and immediately start earning commissions based off what kind of product it is. For instance, if you commonly post about electric skateboards and link it here at The Electric Rider, you could earn some cash if sales is made from the link.

If you excel at marketing and know your audience, the Amazon affiliation program could earn you quite a bit of cash. They are well respected in the industry and offer fair rates.

It’s easy to get started

It may seem surprisingly easy to start monetizing your popular Facebook page, but in reality, you have a valuable piece of digital real estate that deserves to be capitalized upon. The hard work you put into quality content and maintaining a relationship with your followers should be rewarded with a sense of accomplishment AND cash.

 

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10 Benefits for Outsourcing a SEO Company

When you outsource some of your SEO work to an SEO agency, you’re going to be freeing you and your employees up to focus on much more important things. But what are the exact benefits that comes with hiring an SEO agency?

We’re going to go through ten of the top benefits that come with SEO agencies. Keep reading to learn more!

Social Media Management

Depending on the SEO agency you choose, social media management is one of the top benefits that comes along with it. You shouldn’t be spending your precious time managing your company’s social media profiles. This kind of thing takes much training to master and tons of time to make successful. That’s why you should look into getting a SEO agency to manage your social media accounts for you!

Link Building

Link building is one of the keys to being successful in the SEO world and is a big benefit that comes with bringing an agency on-board. This includes getting the link to your company’s website on other high-authority sites and building up links to your products on your site. This takes a lot of time to make happen, so why would you use your time to do it?

Website Designing

If you are looking for a website redesign or need a website in the first place, getting a SEO agency to build it for you is the way to go. Building a website is a time-intensive task that requires a lot of education to go well.

Quality Content Writing

When you bring a SEO agency on-board, they are going to be able to write high-quality content for you company’s blog or site, in general. This is a fantastic benefit since your team probably doesn’t have the time or the funds to get full-time writers on board. Why would you hire separate writers for your blog, when you can get an SEO agency that does that and more?

Website Analysis

You will want someone to come in and analyze how successful your website is once in a while. And a SEO agency is going to be able to do that for you! They are incredibly knowledgeable about how websites should be performing and what to do when they are underperforming in certain statistics.

Detailed Reporting

How much progress are you making with your SEO? Are you missing something crucial that can bring your company to the next level? These are the kinds of questions that will be answered when a SEO agency comes in and does a detail report of your processes. This information is crucial if you want to continuously improve.

Project Management

When you bring on a SEO company, they are going to have a dedicated project management head and an entire team who will provide you with all of their services and will keep you very informed about the advancements made in marketing, website development, SEO and other publicity branding activities.

No Cost to Your Human Resources

One of the best benefits that comes with hiring an external agency is the pressure that it takes off of your human resources’ budget. You won’t have to spend a dime on training new employees, providing them benefits, or making sure they are engaged. Your SEO agency is going to take over from there.

Generating Fast Results

When you bring a SEO company on-board and if they are high-quality, you can be assured that results will be generated and quickly. These companies are experts in their field, which means that they know what things they should be doing in order to bring you results as soon as possible. No worries there!

You Get What You Pay For

If you ensure that you’ve signed on with a high-quality SEO agency, you are going to get what you pay for. This is an investment in the long-run. And when you see those results coming in from SEO and everything else they are providing, you are going to be so thankful you allocated some of your budget to this agency.

The benefits of on-boarding a SEO agency are so numerous that we can’t even go through all of them in this article. Be sure to do your research before-hand, but there’s no doubt that your company is going to be better off when you have an SEO agency.

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Top 5 Qualities Required to Select a SEO Company

When you’re picking an SEO company or agency, you’ve got to make sure you’re choosing the best one for you. There are plenty of agencies out there to choose from, so how could you possibly know which one is perfect for your company?

Well, there are some top qualities you should be looking out for when you’re shopping around on Google. You want to make sure that the SEO agency you’re viewing meets all of these qualifications before you sign on the dotted line. No matter whether which company are you going for, check off these boxes before you make a final decision.

Experience and Professionalism

First and foremost, a great SEO agency has to have prior experience in the field. Sure, it’s nice to go with the underdog who hasn’t had a lot of customers before, but wouldn’t you rather go for the company that has years of experience and positive feedback?

Plus, they’ve got to be professional. No one wants to work with a company that doesn’t put professionalism first and doesn’t take your seriously.

Solid Reputation

Of course, one of the top qualities to look out for is that they have a solid reputation among their customers. Does some in-depth research into this company to see what other people are saying about them? And don’t just take the reviews they add to their site – these often leave out the negative reviews in light of only the positive ones.

Be sure to get a good idea of how they’ve treated customers in the past and what their success rate has been like.

High Integrity

In the course of utilizing a SEO company, they’re probably going to have access to some top-level information about your own company. And when working with a technician or agency of any kind, it’s crucial that they have a high level of integrity about them. You wouldn’t want them going off with that important information without your permission.

Use customer reviews to determine whether any cases like that have happened with the company in question. Don’t just take the agency’s word for it!

Efficiency

The marketing world is changing at an ever-quickening pace and that means that any SEO agency that you hire needs to be efficient in their work. If you’re waiting for weeks and weeks for the work to come through, you’re running the risk that you’re missing out on some of the new advances and trends in marketing and SEO.

Ensure that the customer reviews of the agency being the primary target, speak highly of their efficiency so that you get the most out of their services available including the promotional strategy techniques.

Cost-Effectiveness

Speaking of services, you should put the cost-effectiveness of this SEO agency’s services at the top of your list. You should take a hard look at how much they’re going to charge you and what you’re getting from their services. You’ll need to determine whether their services are actually worth the money they’re charging or if it would be more cost-effective just to do the work yourself.

Sometimes SEO agencies will charge much more than the going rate for their services. However, one of the best ways to go around that is to simply compare and contrast the price levels of a number of companies to see what the average charge is for specific services. Then you will be able to choose which company has the best prices.

Choosing an SEO agency shouldn’t be a decision that you make at the flip of a coin. There should be quite a lot of thought going into a decision like this, especially when your company’s hard-earned money is at stake.

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7 Important Reasons for a Business to Hire a SEO Company

When the time is right, you’ll know it. You’ll know when it’s time to get that SEO company on board to help you out with all of your SEO needs. And that’s nothing to be ashamed of! Hiring an SEO company to take some of the weight off of your plate is a fantastic use of resources that’s going to pay off in the long-run.

But when do you know when you should start looking for agencies? There are some tell-tale reasons why you should look into hiring an SEO company and we’re going to go through seven of those important reasons down below.

If You’re Considering a Re-Design.

One of the top reasons that you should look into hiring an SEO company is if you’re looking for a total redesign of your existing website. The world of SEO is changing every single day and there are tons of way that you can use your redesign to your advantage when it comes to getting ranked higher on search engines.

And a SEO agency will help you do that while you have a team completing your design. No sweat off your back for this one!

You’re Not Too Sure Why Your Rankings Are Dropping.

If your rankings are dropping on Google or any other search engine, there’s a story there that needs investigating. But you might not be sure why your rankings are dropping and what’s causing that. One of the best ways to determine the root cause is to hire an SEO agency to do a full audit of your work. SEO companies also help in promoting your business and providing other helpful ideas in long run. They’ll be able to figure out what’s going on right away!

You Can’t Keep Up with The Demand.

You might find that your SEO is already super successful and bringing in tons of profit. Or you’ve just seen a huge up in demand over the past few weeks. This means that you need to focus on the most important part of your business – your product or service. Get an outside SEO agency to handle your company’s blog and SEO efforts. You can then have more time to focus on getting that product out to your happy customers.

Your Team In-House Isn’t Up for The Job.

You have a lot of work to be done when it comes to your marketing and advertising tasks. That means that sometimes there’s just too much work to go around in your in-house marketing team.

One of the best reasons why you should consider bringing a SEO agency on-board is to take some of that work off your team’s plate. Let them on focus on more important things, while your outside agency is helping you out.

You Have No Idea How to Keep Up with The SEO World.

SEO news moves faster than you can keep up with. That’s another big reason why you should bring a SEO agency on board. You won’t have to keep up
with the new updates in the SEO world – they’ll take care of that knowledge management for you, since they are already experts in their field.

You’re Making a Sacrifice Because You Can’t Figure Out How This Works.

When you don’t understand how SEO works, even just a couple little details, this could mean negative impacts on your company’s bottom line. You may be wasting time and making sacrifices in order to figure out how SEO works, when you could be having an outside agency doing that work for you.

You’re Starting to Do Everything.

If you’re starting to become a jack-of-all-trades kind of guy or girl, it’s time that you stop that in its tracks. Your job as the manager or head of the company isn’t to be an expert at everything. Your job is to do what you do best – lead your company to success. If you’re starting to do everything that somebody else could be doing, it’s time for a change by bringing an SEO agency on-board.

Above are some of the most important reasons that you should bring on-board a SEO agency to manage all of your company’s SEO needs. By doing this, you’re going to be freeing up yourself and your people from this job, giving you and them the opportunity to focus on more important things.

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Investing in Property in a Digital Age

Investing in Property in a Digital Age: What can property offer investors? Rent? Selling for profit?

What to know about investing in property? It’s a long term investment and may be prudent to diversify.

Find property online. Property investors use the Internet and do an average of 11 searches before taking action.

The Rise of Mobile House Hunting. 9/10 buyers use mobile search to find properties. Search results include property related videos on youtube.

Buying property directly. Know the risks: You can’t get your money out quickly. There are buying and selling costs. It’s demanding.

References

Originally posted 2015-10-06 17:55:03. Republished by Blog Post Promoter

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