Being Happy at Work

Benefits to Being Happy at Work

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I am willing to bet that just about everyone you know has a job, but do they have a career? Are they going to work simply to pay the bills, or do they find fulfillment in what they do? Contrary to what most people think, it is possible to be happy where you work, especially when you work at a place like You deserve to be respected and appreciated for what you do each day and for what you contribute to a greater cause. Your current skills, both natural skills and learned skills from education or prior experience, should be acknowledged while allowing you the opportunity to improve and grow.

There are many benefits to being happy at work. One of them is that you will enjoy going to work each day and you won’t wake up dreading the next 8 or more hours. You may even be inspired to get to work early and put your best effort into everything that you do. When you are happy at work, you inspire others to be happy. Good and bad attitudes are contagious, and when you present your good attitude each day, others may feel the same way. You may encourage others to work harder and work as hard as you do. You may be able to help productivity at work.

When you are happy at work, you feel less stressed. When you are not happy at work, you start to sever the ability to feel positive emotions, which also can negatively impact your ability to reason and be creative. When you are unhappy at work, it often seeps into your everyday life. You will begin to feel failure and disappointment enter your personal life. When you are happier and have less stress, you will have a better immune system. When you have less stress, you are less susceptible to heart problems, hypertension, and substance abuse. When you feel stress at work, you are more likely to feel tired and worn down even after work hours are over for the day. You may have less energy, and then you begin to focus only on the negative aspects of your life, including work. When you are happy at work and feel happy overall, you feel better about yourself. You feel like you can accomplish more and be successful. This helps you feel inspired and innovative more often. You are more willing to improve yourself and learn new skills or sharpen your existing skills. It is easier for you to deal with less desirable situations when you have a happier and positive outlook at work and in life. These positive feelings help you feel more loyal and responsible at work.

Office Supply Purchasing

Shifts in Office Supply Purchasing

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The COVID-19 pandemic has interrupted every facet of modern life, including the workplace. Suddenly employees found themselves stuck at home with a personal computer instead of working from a desk in their office. As more and more people opted to stay home, the office supply industry took a big hit. They saw sales dropping and orders disappearing with no promise of recouping that money. At first, they started to panic. They weren’t sure how to sell to offices with no employees. But once they realized they were the best place to buy office furniture, the tune changed.

Direct Sales

Although businesses had been their clients before, office supply companies realized it wasn’t the business using their products, but the employees. And these employees were still working, just not in the same place they’d always been. How many people who work out of the home have a fully established home office? Not many. So they started making their products available directly to the consumers. After all, many large companies, such as Google, were offering a stipend to their employees to purchase this equipment anyway, which created an obvious market. Once supply companies opened their websites to sell directly to individuals at individual quantities, their margins starting skyrocketing again.

What You Need

If you’re still transitioning or just now making the switch to remote work, it can be overwhelming to try to think of the essentials to build a functioning home office. There are three basics everyone needs: a desk, a chair, and a computer. There are tons of options within these three basic categories, so think about your needs and preferences before buying the first one you see. After all, you’ll spending a lot of time with these items.

You can add office supply chains to your list of industries that found new ways to thrive in the pandemic world.


3 Essentials for Becoming a Successful Landlord

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Investing in real estate is a great way to make passive income as you collect rent while building up equity in the property. To be sure your investment will work for you in the long run, the experts at Taylor Equities recommend new investors learn these essentials for becoming a successful landlord.

Great Location

Everyone knows that location is key in real estate but consider the tenant you’re seeking to attract when purchasing a rental property. For instance, if you’re looking for a home that will be used for vacationers, amenities like a swimming pool or rooftop deck will be more important than access to public transportation or a stellar school system.

Reliable Tenant

Take your time to find the right tenant. At first, you may be worried about your property sitting empty while you run credit scores and vet prospective tenants. However, Steven Taylor Taylor Equities reminds investors that it is costly to evict the wrong tenant, and you will end up with an empty property in the end anyway. Instead, only lease to tenants with clean credit reports who have enough income to easily cover the monthly payments.

Flexible Mindset

Since your monthly costs are fixed, you may be reluctant to allow tenants any leeway when rent is due. However, in special circumstances, it is sometimes better to allow a little flexibility than immediately initiate a costly eviction. Especially in hard economic times, it helps to work with a tenant who may only need a different due date or payment plan. With a little understanding, you may keep you both out of court and garner loyalty from an otherwise responsible tenant who has fallen on hard times. Just be willing to cut your losses when it seems a tenant is taking advantage or simply not working out.

Becoming a landlord is a big step but owning a rental property can be a great way to increase your net worth if you’re well prepared for the challenge.

Criminal Defense Attorney

5 Questions You Must Be Asking Your Criminal Defense Attorney

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When you need to contact a criminal lawyer, the chances are that you are already in big trouble. If you end up getting the wrong guidance in these circumstances, things will only get worse. Therefore, it is crucial to ask your Orlando criminal defense Lawyer certain questions to see whether they are correct for you. Here are the most significant ones out of the entire list.

#1 What is your specialization?

There are several domains of crime that criminal lawyers handle, such as white-collar crimes, drugs, murder, etc. Now imagine if you hand over your murder charges case to a drug crime specialist. They may not be able to handle it well, and you will lose your chances. Thus, it is crucial to check that the lawyer is specialized in the crime you are dealing with.

#2 Have you solved any similar cases?

Specialization in a specific domain doesn’t guarantee anything. Every case has its own details and problems. That is why you need to check that the Orlando criminal defense attorney you are hiring has solved some similar cases as yours. You can also enquire about the outcome of those cases and how long they were stretched. So you will get an idea of how exactly the lawyer works.

#3 How many cases do you handle at once?

The number of cases has two significances here. First, it shows the Orlando criminal defense attorney’s popularity, and second, how focused they will be on your case. If they take up a higher number of cases at once, you will need to enquire for the person you can contact in their absence. As you may require someone to answer your queries and the lawyer would be busy with other cases, you should have someone else to contact.

#4 What are your charges?

Not everyone can afford the top-end lawyer as they charge huge fees. That is why you have to make sure that your Orlando criminal defense attorney fits well with your budget. You may also need some money for other things during the case, so you should plan accordingly. You can also negotiate for their costs. Plus, you should ensure that they inform you of all charges throughout the case.

#5 What can be the best and worse outcomes of my case?

This question is necessary to check how the criminal defense attorney will work on your case and in which direction they will take it. They will tell you both the outcomes based on their experience. You should ensure that the lawyer isn’t making any false promises, and they will be working sensibly on your case. The answer to this query will also give an idea of what you can expect at the end.

#6 What will be my input?

If the Orlando criminal defense attorney troubles you for every small thing, they may not be doing their work well. You should prefer a lawyer who can handle certain situations on their own and take input from you only when necessary. Plus, they will also tell you about the documents that you need to submit for the case. So you can also prepare them.

By asking all these questions, you will ensure that you are hiring nothing but the best criminal lawyer for your case.



Small Business's Profit

2 Tips to Increase Your Small Business’s Profit

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Technology is the future of society. With more and more people working from home, securing online jobs and having internet capability from the convenience of their smartphone, it’s no surprise that technological advances are key to successful businesses. Maintaining relevancy in how you engage with customers, accept payment and stay on-trend are vital characteristics any booming business must adhere to. However, are there ways to increase your success that aren’t so focused on technology? Here are two tips that can help build your brand without technology.

1. Get involved with community events.

A great way to get the word out about who you are, what you do and why your business is vital is meeting people. Technology is a wonderful platform to connect electronically, but face-to-face interaction still goes a long way. By volunteering your time and expertise speaking at community engagements, you’ll be able to network with industry professionals and meet potential customers. It lets you make meaningful connections that can transfer into better business relationships. In addition, small businesses love the communities they serve, and being a valued community participant means staying active and engaged in the community’s culture.

2. Say thank you with a handwritten note.

How many people still send handwritten letters through the mail? It’s a lost art many people don’t use anymore. However, you can really stand out and show your customers you value and appreciate their business by following-up with a short handwritten note. It’s a different way to connect that speaks volumes. It may be just the reason someone recommends your business to someone else and why they keep shopping there for years to come.

While making technology work for your company is of utmost importance in small business development, unique pursuits can be a valuable complement to technology. As a business owner, the more you can stay ahead and connected to your base, the better off you’ll be.


Home Forms For Hard Money Loans

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A borrower may find a tough money loan such as home , commercial property, property, and also even industrial on any kind of home.

Some money lenders can concentrate in one property type like residential and be unable to perform property loans because they have zero expertise in this field. Hard money lenders have a market of loan they are comfortable with. Request them upfront that kind of loans they’re equipped and willing to do.

Many hard money lenders won’t give on owner-occupied residential properties on account of the additional regulations and rules. But there are. Whereas fewer will perform position all money lenders can probably do loans at 1st place.

What Kinds Of Deals Need To Hard Money Loans Be Used For?

Hard money loans aren’t suitable for many trades. When buying a main residence with great credit, earnings history, and there are not any problems like a brief sale or foreclosure, or traditional financing by means of a lender is the very ideal thing to do whether the borrower has the enough time to experience the lengthy approval procedure required by means of a financial institution. Hard cash is the source when banks aren’t a choice of funding or even the loan is required in a brief time period.

Who Must Use A Hard Money Loan?

Real estate investors decide to use cash . The chief rationale is the capability of the hard money lender to finance the loan fast . Within one week, hard money loans may be financed in the majority of cases. Compare it to this 30. The application procedure to get a cash loan normally requires a day or 2 and sometimes, financing may be approved the exact identical day. Fantastic luck hearing from your lender in precisely exactly the week!

The capability to attain financing is a substantial benefit for a property agent. When the property agent is attempting to get a home a close having a hard money loan may find the focus of a seller and place their offer besides the remaining buyers supplying funding that is slow.

Another reason why that a borrower may decide to utilize a cash loan is they have been refused by the banks to get a loan. Life does not always go as intended. Short term sales, foreclosures, credit issues… they occur. Would be revenue history. The lender may deny that the loan request due to revenue history, even in the event the borrower creates a healthy income, if a borrower began a new endeavor. Hard money lenders have the ability to check beyond these problems as the loan has been repaid and the debtor has equity.

Borrower Requirements For Hard Money Loans

Hard money lenders are worried about the quantity of equity the debtor has invested as mentioned previously. They are worried about the debtor’s credit score. In the event the debtor has the funds to cover the interest Problems on a debtor’s record like a foreclosure or sale could be overlooked.

The money lender should think of the debtor’s strategy for your property. The debtor must present a plan which demonstrates how they mean to pay the loan back. Ordinarily, the house is currently enhancing and selling it or getting financing on.

Medical Malpractice Attorney

Benefits of Hiring Medical Malpractice Attorney

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If you are a victim of medical malpractice in Miami, then you should consider hiring a Miami medical malpractice lawyer in order to get the deserving compensation. Instead of going through all the arduous and complex process on your own, it is better to let a professional represent your case. There are many benefits of hiring a medical malpractice attorney and below we are highlighting a few –

  1. Taking Care of Compiling the Case

The attorney will compile the case in an organized manner in order to represent the same in front of the jury. Even when your claims are legitimate, you need to present the file in a cohesive manner in order to convince the judge. An experienced medical malpractice lawyer has done it all before and will review all aspects of the case prior to filing an argument in order to get the most favorable outcome.

  1. Initiating Investigation

Depending on the nature of the case, if an investigation is required, a reputed medical malpractice lawyer will take care of it for you. The quality of investigation can make a huge difference in increasing your chances of winning the case. Most likely, you neither have the experience nor the resources to conduct thorough research against the defendant. An attorney will take over these tasks from you and collect the necessary facts and evidence to form a strong and convincing case.

  1. Taking Care of the Strenuous Paperwork

Legal documents are lengthy and encompass tons of legal jargon. Getting the right document ahead is important for your case, so it is important to be aware of the aspects of the case and documents. When filing a medical malpractice case, you need to manage, review, and respond to an array of paperwork. Inefficiency in doing so can impact the case. However, an medical malpractice attorney is well aware of these documents; therefore, he or she can get the work down efficiently.

  1. Getting the Best Settlement

Without any reference, you might evaluate a claim that is far too high or less. A lawyer has gone through this process multiple times and knows how to properly evaluate the case. They carefully gather all the information and evaluate every aspect to calculate the right amount of claim for your case.

Along with calculating the claim, medical malpractice attorneys are also skillful negotiators. The reputation of an attorney can improve our chances of winning the negotiation. When you have hired an experienced and reputable attorney, the defendant would be intimidated to take the case to the trial. This increases your chances of winning the desired settlement amount.

  1. Ensuring Efficiency in the Process

When you are not aware of the process, you are more likely to make mistakes while filing the claim. Even the smallest of errors can impact the overall claim you might receive in the end. An experienced lawyer who has done this before can carry out the entire process more efficiently and without any mistakes.

The medical malpractice attorney you hire will work as a reliable ally for you throughout the case. These lawyers are trained to deal with the complexities of such cases and help their clients get a maximum claim for their injury and discomfort.

emergency fund

Auto repair financing without an emergency fund

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When it comes to building an emergency fund, we all know that it is one of the best ways that can help us to tide over unexpected financial crises. However, due to a lack of funds or due to too many financial obligations, it is not always possible to build one. But that does not necessarily mean that you do not have other options to pay for the cost of your car repairs.

Let us find out how you will meet the expenses of auto repairs if you are facing a financial crunch.

Not all drivers are equipped to meet expenses

As per a survey that was conducted by AAA, for the cost of maintaining and repairing a car annually, you must be prepared to shell out approximately $1200 (taken on an average). And surprisingly, not even 1/3rd of the total drivers are equipped to fund these expenses.

And this becomes a real problem if the costs that you have to incur are not covered by insurance carriers or you do not have a warranty against these repairs. But that should not disappoint you because there are other options too. And some of them are explained in the paragraphs that follow. So, if you have been wondering about how to finance auto repairs, your search ends here.

Your auto repair financing options

You can go through the options mentioned below-

Take out a personal loan

This is one of the options that you can explore so that you can fund repair and maintenance for your cars. Approach banking or any financial institution for a personal loan. Also referred to as installment loans, you have to repay the loan amount every month over a period of time and you are expected to repay the entire amount within the loan term.

A personal loan will attract interest rates along with fees. Find out how much you can save on interest rates. How much you can enjoy as interest depends on your credit history.

Payday loans

Payday loans are a quick way of accessing cash. You have to provide details of your bank account so that you can withdraw the proceeds. This loan is basically given to you against the paycheck that you will receive the following month.

However, you must be aware of the norms that govern the regulations of these loans in the state you reside in and also the APR or the Annual Percentage Rate that these loans will attract.

Sometimes, the cost of the loan (APR) can be as high as 400% along with additional fees.

Vehicle Title loans

This is another option for financing car repairs. Nevertheless, they are risky and for the short-term. The lender will offer you a loan against the car title. Once you are able to repay the loan, the duration of which is usually a month, you will get back the vehicle title papers.

However, it is risky because unless you are able to repay the loan, the car, which acts as collateral or security for the lender will be taken away.

Studies also reveal (Consumer Financial Protection Bureau), around 2/3rd of the borrowers that take out the loan against their car title roll over the debt payment for at least 6 times since they are unable to pay off the debt. And once there is a prolonged failure of repayment of the loan, the car title usually gets confiscated.

Aside from the above, you can also take out a loan with a credit card or apply for a conventional loan. While traditional or conventional loans are a better option as compared to using plastic cards, you have to take into account the rate of interest, the APR, loan term, fees, and additional charges, if any in case of traditional loans.


How Getting Out of Debt Can Lead to a Happy and Stress-Free Life

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Now more than ever, many people are beginning to wonder how they can pay off debt in order to reduce the stress of their daily lives. Whether you find yourself barely making ends meet, or you have major savings goals, paying off debt can certainly be a good place to start in reaching your financial goals.

What you probably have not considered about becoming debt free is that in doing so, you will become an inherently happier person. One of the aspects of debt that is rarely ever mentioned is the mental strain that the debt looming over your shoulders has on your daily life.

Those who are able to live a debt-free lifestyle are able to take care of their basic needs while also maintaining the funds to travel, spend time with family, and save for the things they may need in the future like retirement.

The Trap of the Materialistic Mindset

Research done by a Psychology professor, Tim Kasser, at Knox College suggests that a mindset focused on material goods may be a negative trait in the personality. In fact, the study he conducted found that there is a serious link between shopping addiction and mental issues like depression and antisocial behaviors.

This study has been reviewed by many other experts on the human mind. There seems to be a general consensus that purchasing items has a temporary joy attached to it. That “retail therapy” as our society has labeled it is actually a mask for a much deeper psychological problem which is not a healthy way of coping.

Unfortunately this materialistic mindset is often directly linked with high debt to pay off. People who are trying to mask an underlying mental condition are more likely to run up a credit card bill that they are not able to easily pay off. Thus, they are more likely to have a connection between high debt and a mental issue like depression or anxiety.

The Relationship Between Debt and Stress

The link between stress and debt might seem fairly cut and dry, but there have actually been quite a few studies done and there is more to it than there might seem. In fact, studies show that debt is reported as one of the largest stress factors for more than 60% of people who are living in America. Among the top of the list was also healthcare related financial stressors and the state of the economy.

Most often, people report emergency financial stress to be their biggest source of financial stress. In fact, more than 60% of people report that they would not be able to handle an emergency that costs $1,000 or more. These same people worry about their own ability to save money toward their eventual retirement.

Additionally, when it comes to the economy, many people find themselves worried about their ability to overcome unforeseen obstacles as they relate to the economy. A fiscal recession, for example, may affect someone in a way that they did not expect.

Psychologists suspect that the stress that is associated with debt is actually one of the factors that perpetuates the problem. What that means, in a nutshell, is that when someone is overwhelmed by their stress, they may be more inclined to do a little “retail therapy.” As discussed in the previous section, this behavior is temporary and will ultimately only lead to more and more debt.

All of this to say that learning how to live debt-free is truly a lifestyle change that requires some serious habit changing mindsets. These financial issues will not get better if the behavior behind the issue is not also addressed.

One of the biggest issues standing in the way of your ability to become debt-free might actually be your own negative behaviors. Learning to overcome these may be difficult, but the payoff can be huge in the long run.

The Link Between Feeling Better and Living Debt Free

People are motivated by tangible results. This is why getting one room in your house organized can often motivate you to complete another organization project. This feeling, much like the happiness gleaned from indulging in a little retail therapy, is addictive. We thrive from feeling accomplished.

When we set our mind to accomplishing a goal to live debt free, we will feel really good about the small steps accomplished along the way to make a dent in that goal.

Further, when people begin to see that they have actually created some extra wiggle room in the midst of their once tight budget, they tend to see their money a little differently. This means that instead of spending all that extra money, they may be able to do things like put that money in savings for retirement, or save for their children’s future. These healthy habits can also be quite addictive especially when the once strained budget can begin to see the fruits of the labor.

So, How Can You Be Debt Free?

Much like any major life choice, the choice to live debt-free is one that should be measured carefully and planned for accordingly. Paying off debt can be overwhelming and different situations are going to call for much different plans when addressing the debt you are dealing with.

The first step you need to take is to lay it all out on the table. Make some kind of visual representation that shows you where your money goes each month. For some people, seeing it in writing is enough to spark the desire to make a change.

Depending on the amount of debt you are juggling, you may consider debt relief services such as debt negotiation or​ a settlement program.

Make a Long-Term Goal

This process is not going to be completed in a day. In fact, it might actually take quite a few months to begin to see a

real difference in the amount of money you are saving by choosing to live debt-free. However, knowing what your end goal is to begin with can be a great motivation tool for pushing through to the end. You should have a written plan with your short-term and long-term goals laid out in writing to keep you motivated.

Final Thoughts

No matter how dire the situation is with your current debt payments, there is always a hope for a brighter future. Paying off your debt will lead to reduced stress and anxiety as well as provide you the financial means to spend your money on the things you love.


5 Steps to Perform Integrated Supplier Risk Management

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Do you want to make sure that your organization doesn’t have to struggle when the next crisis hits the market? Take a practical approach for supplier risk management and analysis and prevent your business from vulnerabilities.

Within the last decade, our world has changed drastically. A large number of organizations have been affected due to supply chain disruptions, and they often lead to a loss of hundreds of million dollars in every industry. That’s why supplier risk management is essential.

At the center of all these crises, there is one factor: lack of a strong process that can perform supplier risk analysis and provide us solutions. The increase in globalization has further increased supplier risks. Even the managers are tasked with the coordination of global strategies for risk assessment, compliance, risk mitigation, and all this while maintaining an optimal productivity level. As more than 50% of a company’s products/services rely on the supply chain, though this may vary according to the company, we must take supplier risk monitoring and analysis more seriously.

So, here are five steps to perform integrated supplier risk management.

Step 1: Focus on Developing an Integrated Supplier Database

The first and foremost step to build a comprehensive solution is integrating the supplier information throughout the operational system. Consolidating the data across a multinational organization will provide visibility and real-time information. The supply chain transparency enables the enterprise to perform reviews regarding risk management and ensure proactive compliance.

It helps in creating actionable management reports that include data collection and accountability of all departments involved in the supply chain. Hence, the manager can track, collate, and monitor all internal and external data relevant to supplier risk management. And when the picture of risk factors is clear, taking preventive measures on time will also be quick.

Step 2: Divide Suppliers According to Risk Category

With more than enough data about the suppliers, the organization can narrow down the list of suppliers who are more likely to impact the supply chain. Once those suppliers are identified, you can draw a pattern of behavior they might exhibit in the event of an unforeseen crisis. Such suppliers are unstable in every perspective, including financial, geopolitical, and other aspects as well.

Assign the risk category to the suppliers to ensure that you always have backup suppliers for supplier risk solutions.

Step 3: Integrate Supplier Risk Management with Predictive AI

One of the vital supplier risk solutions is integrating the data collected through assessment or analysis into a Predictive AI. The AI will help the organization to predict the future risk based on the current statistics. While there is no AI that can accurately predict the risk, we can certainly predict the solutions that can help to cope with the crisis.

The Predictive Intelligence System will take supplier risk monitoring into its hands and continue crafting sourcing strategies to find new suppliers. Predictive Analysis is a well-designed procedure that will give you a clear understanding of integrated supplier risks.

Step 4: Perform Supplier Risk Analysis Frequently

As we know that supplier risk management requires performing assessment as often as necessary, we need to understand the reasons for failure. They include:

  • A natural disaster that wipes out shipping infrastructure and manufacturing facilities.
  • When management changes, costs are cut, and quality and skirting regulations also change.
  • Regulatory changes also affect the organizations when sourcing or human rights laws intervene or influence the supply chain.
  • Geopolitical instability also negatively impacts the manufacturing facilities if they are located in areas where civil wars, protests, epidemic, or political tension is present.

While some suppliers provide stable and reliable service over the long run, others lack this quality and suffer from detrimental changes under crises.

Step 5: Build a Culture of Risk Awareness

A critical element that will assist you in supplier risk management is being aware of the risk culture. It will help the organization to establish and maintain strong defensive measures against unknown risks; some of them include:

  • Acknowledgment of the management and employees’ mistakes that could lead to disruption.
  • Transparency in the risk tolerance policy, along with risk mitigation.
  • Responsiveness of the employees towards immediate changes in ownership, policies, regulation, or any other factors.
  • Respect for the organization’s goals. The objective of employees should align with the company to make sure that they work while keeping the organization in mind.

Now that we understand the supply chain risks in the organizations, we suggest taking all necessary measures for managing supplier risk. All enterprises must have a robust supplier risk monitoring process that can manage both unknown and known risks.

Author Bio: Credit risk monitor provides expert data and AI-powered financial risk analytics that will help you make informed decisions. They offer clients credible solutions to avoid disruptions in the supply chain.