How Minimalism Affects Your Wellbeing

Handy is a company that places a lot of emphasis on transparency. They are in the business of placing people in touch with cleaning professionals to be able to get their to-do list checked off around their home. Some people living in large cities have a lot going on in their lives therefore will not have time to get their home cleaned regularly.


Tips to keeping your home clean

It is easiest to clean your home if there are simply less things lying around the house. For example if you need to vacuum or dust, it is easier to do so if you have less furniture or items around the house. It is even easier to move if you have fewer things to pack up into boxes and unpack. Many people think that living a minimal lifestyle equals to people who cannot afford more items for their home or people who are boring. On the other hand, it should be instead seen as being functional, sustainable and a peaceful view on life.

Think about it, if we have too many options of clothing in the morning, we tend to be indecisive on what to wear. But if we have less choice, it is easier to pick what you would like to wear regularly. In addition, it would be a more motivating reason to wash your dirty clothes since you need them for the week to come. Handy knows just how invaluable these tips are for people since it if a cleaning professional were to come by, and help out once or twice a month.


Advantages of minimalism

There is a certain freeing sense of embracing minimalism since there is going to be less choice thus you can make a faster decision from what you have at your disposal. When you come to the sense of realization that somehow you had to depart with all your worldly possessions, it becomes a freeing experience. Things can be replaced and the less you have, the more clutter you also have in your mind. There are always things people can be learning to be more minimalistic. For example, if you feel like there is too much clutter in the pantry, closet or other parts of the house, set a timer for 15-30 minutes and do all you can within that time.

As for your closet or other storage items, if you haven’t touched it all year, odds are, you never will use it again. It is best to give it away at this point.

Choosing the Best RoomingIn College

The location and housing where a student will reside during their time in College or University is of great importance to their parents as well as to the students themselves. Having the peace of mind knowing that your child or loved one is in a safe location whiles travelling is critical to any responsible parent and/or student. There are different of accomplishing such an arrangement. There are rentals of complete apartments or small homes, rentals of condominiums or a loft or even logging on campus. These options can sometimes be a bit expensive and over the budget of a middle-income family. Most Landlords are very aware of this predicament and have therefore adopted different legitimate ways to provide rooms for student at an affordable price. High end Real Estate Investors such as Brad Roemer would probably not be interested in doing that type of business but it is very lucrative for Landlords and also beneficial for the general public. Though it is a very convenient arrangement for students there sometimes are drawback to bear in mind.


Within many student housing, Landlords usually rent the property to various individuals that do not necessarily know each other. This may leave one feeling uneasy knowing that a bunch of young adults are going to come together as strangers and live in one unit. Though the doors are locked, and all the belonging are usually kept safe it is a bit hard to digest the fact that a person unknown to you could be living next door. Most Landlords do perform a credit check and contact past Landlords or current supervisors at the work place to verify what type of individual they may be dealing with. It is very hard to get a good idea of the individual at hand through those means but it is definitely better than nothing.


When renting-by-the-room the Landlord typically gets all of the tenants (usually students) to sign a disclaimer towards any damages made to the property. Just to think that an apartment containing 4 bedrooms would usually cost about $1700 for a family but instead will cost about $425 per student. It is a win-win situation as the student will be very happy about the cost of his/her rental that includes bathroom, kitchen and living room access whiles the Landlord is content as he/she gets the unite rented out. Landlords in such a position generally do not have issues finding tenants, especially when located close to schools as the students would usually flock to their apartment seeking a place to stay whiles schooling. This tactic helps property owners to rent out their units rapidly and gives them the freedom of renting to whom every they please as they are not afraid of losing potential tenants since they know that many more would be on their way. Some Landlords even go as far as to rent out individual beds in a room! This occurs where students share rooms. It is not really recommended as you would be sharing your privacy as well as personal belonging with a perfect stranger, but some students opt for this to satisfy their budget.

Feel the Best With the Essential Options Now in Factoring Invoices

The majority of commercial enterprises grant payment terms to their customers. However, when the deadlines begin to lengthen, the company may find itself in cash trouble. However, it is possible to reduce or even bypass this deadline by selling its receivables to a factoring company. But what is factoring and how does it work? What are the different types of factoring and when should we use it?

What is factoring?

Factoring, also known as factoring, is an affordable financing technique for any type of company provided that it works with a clientele of companies. With the net 30 invoicing this is important.

When a company uses this technique, it sells its receivables to a specialized agency: the factoring company, also known as a factor. In exchange for this transfer, the company recovers immediately in return for the cash from receivables sold.

In practice, factoring makes it possible to recover funds immediately and without waiting for the payment deadline.

When to use factoring and how does it work?

The issuance of an invoice is synonymous with appearance of claim: it is immediately possible to appeal to a factoring company. The factoring process is divided into three stages:

  1. Creation and sale of debt

The company charges a service or a product to the customer. The claim related to this invoice is then transferred to the factor, according to the terms stipulated in the factoring contract. The factor sends the company a notice of purchase of debt.

  1. Payment of funds

Once the commissions and the holdback are collected, the factoring company settles the claim to the company (up to a certain limit: 80% on average).

  1. Finalization

The debt repurchased by the factor is paid, the latter then refunds to the company the holdbacks.

Which factoring to choose?

Depending on the cash flow requirements or the commercial policy of the company, the type of factoring varies.


Confidential factoring: the company uses a factoring company without its client being informed

Factoring notified but not managed: the company transfers its debt to the factoring company but nevertheless retains control over the collection. This solution, which is cheaper by around 20%, is preferred by companies that do not have any problem with recovery.

Subrogation (or factoring notified): unlike confidential factoring, the customer is here informed that he must pay the invoice to a factoring company.

Features and pricing

During a factoring request, the company and the factoring company sign a factoring contract. The latter sets the framework in which the company can sell its receivables. The contract generally specifies the “rate” of the factoring company, the retention of guarantee and its performance.

Fine Options for the Best Deals Now

This guide is a step by step guide for the traveler, it is only informative and may contain gaps, inaccuracies and omissions. Everyone has to do their own research.

Friends (future) travelers,

Welcome to this shipping guide for your vehicle by sea. You have explored all the trails of the company, worn your tires on the asphalt from Paris to Marseille, and you would like to move up a gear, ship your vehicle to the end of the world? This little guide is a help to make your dream come true: meet up in Australia with your camper van. The free load board are perfect.

Choosing a shipping method

There are 3 methods to send a shipping vehicle abroad that does not fit in a container. The two main ones are Roll-on / Roll-off (RoRo), flat rack and the third is break bulk cargo.

Roll-on / Roll-off is the safest shipping method, according to our experience. Your vehicle is driven aboard and lowered into the holds of the transport vessel by ramps. Anyway, it is necessary here to emit a very big reserve. The vehicle to roll to be out of the hold. If it does not start at the port of destination, it may happen that it is simply towed by a Fenwick, the risk of permanently damaging the mechanics.

  • You are not allowed to ship personal items in your camper using this method, but the spare wheel and factory-fitted accessories are allowed. You can ship personal belongings inside, but at your own risk as they are not covered by the insurance of the ship. In RORO your truck is placed inside the car deck, chained by a series of chain and kept in a safe place.
  • The flat-rack, second method, is an open container. Your vehicle is placed on a support that can hold up to 40tand then loaded onto the transport ship, either by crane or by towing the platform, into the holds. This option has the disadvantage of being charged a fee for the flat-rack itself, which is rented to you in some way.
  • Be careful, these open containers have limits. What are the dimensions of a Flat-rack? The following specifications and dimensions vary the type and will have to be specified because no company has the same numbers! See note at the bottom of the page. There will be an additional cost for widths and heights if this method is chosen.

When choosing a flat-rack option, it is possible that your vehicle may be scratched or they may not fit into the holds due to the height, and place it on the deck. Your vehicle will be exposed to wind and salt water. There are places to protect it by “wrapping” in a tarpaulin or even plastic film used for pallets.

All Essential Options for the Best Factoring Program for You Now

The lack of liquidity is one of the main problems suffered by companies today. On many occasions, this lack is due to late payments, delays in collections by customers, and even insolvency, which has been dragging on since the worst years of the economic crisis.

A figure that illustrates this problem is that during the first 10 months of the year the number of insolvency proceedings arising from a business insolvency situation increased by almost 2% to reach 3,749. That is why it is not surprising that many companies, especially SMEs, maintain their concern about the collection of their commercial loans. Through the Alliance One factoring program the options have become easier now.

What is factoring

The factoring born alleviates this uncertainty. It is a very useful financing tool for all companies that need immediate liquidity and prefer to pay a commission to avoid surprises when it comes to collecting the commercial loans that are pending.

There are three protagonists in factoring: on the one hand there is the company that generates the commercial credit and hires the factoring service. In second place is your client, who owes you that commercial credit, and finally the financial entity, in charge of carrying out the operation.

In a conventional factoring service, our company transfers to the financial entity, in whole or in part, the short-term commercial loans to its customers, that is, the invoices that remain for entering. In exchange for this assignment, the entity advances the amounts of these invoices automatically and discounts a percentage in concept of interest and commissions. The result is that our company is guaranteed immediate receipt of the invoices owed to it, while the financial institution is responsible for its collection in exchange for a commission.

But obtaining immediate liquidity is not the only advantage. This tool improves the control of posted invoices and allows companies to shed the risk of insolvency, in the case of factoring without recourse. In this way, if our client does not have funds to pay for the service we have provided, it is the financial entity that assumes that default and who manages it.

In addition, it improves the working capital of our company because it allows us to eliminate the factored customer items from the balance sheet.

Factoring helps us to dedicate ourselves to what is ours without worrying about managing the collection of outstanding invoices or knowing if we have sufficient liquidity to continue growing.

Types of factoring

But not all situations are the same nor do all companies have the same needs. And for that there are two types of factoring:


Factoring without recourse

This formula frees the companies from any responsibility in the management of the pending collection. In this way, if the debtor cannot deal with the invoices issued and approved in the factoring operation, it is the financial entity that assumes the losses and the one that has to start the necessary procedures to try to recover the money. In summary, it is the entity that assumes the risk of insolvency on the part of the debtor.

Business 101: How to Start a Business

Learn the basics of how to start a business and some of the most common challenges you may have to face.

Starting a small business can be quite a challenge especially on a tax debt loan. The competition is also stiff in almost all types of industries and if you’re not careful your business may be one of the businesses that close shop within its first year of operation. Aside from creating a good business model and having a right perspective, there are things that every entrepreneur must consider doing when starting a new business:


  • Solve Customer’s Problems


Opportunities rarely come knocking at your door. But in this case, waiting for that knock isn’t going to do you any good – you need to find that opportunity on your own. When you help solve one customer’s problem, chances are, you gain more customers. Why? Because the public knows how much you value them. One of the main mistakes that entrepreneurs commit is that they sometimes go and promote their product to the customer, before even hearing out their opinion or what product they want and need in general. If you’re just starting a business keep this in mind – it’s not about the business. It’s about the customer. The saying “customers are always right” is old but it’s true. Everything you need to know before starting a business can be derived from this simple quote. It’s about what the customer wants, needs, and what would fit his/her standards and budget.


  • Create a Good Product


When the word product is said, the first thing that comes to mind is something that is sold – that and/or posters and tarpaulins of advertisements we see at the mall. It’s not completely wrong. But there’s just one thing missing – the product has to have such value that the customer will not just want it – they will love it.

Creating a product with such tweaks may be quite hard, but once you see that it’s actually selling out in the market, you’ll see that you have done quite a great job. To sum it up, all you need to do is find the center of your customers’ interest.

To make this process easier, it is better if you focus on a certain niche.  Don’t be afraid to ask for opinions and suggestions. Who knows—maybe all you need to do is to listen to your customers in order to develop the most popular product you can produce. On top of it all, make sure that you and your team are working peacefully, side by side. Running a business is already stressful as it is. Having a strenuous relationship within your team, no matter how small or big your team is—won’t do you any good.


  • Know your Strengths and Weaknesses


Even the greatest fighters of all time have their weaknesses – what makes small businesses any different? The key is knowing what the weakness is even before something comes up and hits it. But, here’s the thing, when you know your weakness, it’s easier for you not find out what your strengths are. In order for you not to fail and your business to go downhill, it is helpful to know exactly how to use those strengths properly.

When you’re planning to start a physical business, it’s important to build a good relationship with a group of customers. It’s not a romantic one so you wouldn’t have to worry about that. Just the customer and entrepreneur type of relationship. Wherein you ensure that the customer will get the best quality product you can offer, and he/she will keep coming back. Before you know it, your small group of customers will reach up to a hundred- or even more!

  1. Understand that every Business has the Risk of Failure

It’s so easy to jump into a bandwagon of newbie entrepreneurs. When the year starts, a lot of people have new ideas and with proper motivation, they would launch a new brand or open a new shop in a heartbeat. But, there is one thing that many new entrepreneurs don’t realise, starting a business is not for the faint-hearted. If you want to deliver products or service to your customers, you need to prepare for the risks associated with it.

It is true that there is no such thing as a fail-proof business. But, you can create a good strategy that would minimize the risks and maximize your business potential. You can start with a good business plan. Define your strengths and weaknesses, and streamline your business processes in a way that would bring you closer to the realisation of your goals. If the lack of access to financing is one of your biggest problems, you can apply for no doc business loans from reputable financing agencies to help you meet urgent business needs.

What you need to know to become a florist?

Do you dream of becoming a florist? Discover Singapore business opportunities to know if you could have a career in this business? Here’s what you need to know to enter the round of flowers. You have the eye for colors, textures and compositions. In addition, the spell gave you a green thumb. It may be that a florist career fills you with happiness. What do you need to know to enter the world of flowers?


  • The design of forms and the techniques of floral composition.
  • Handle the flowers and take care of them.
  • Flowers dedicated to special occasions (weddings, graduation, and funeral).
  • Pack flowers for transportation or to offer.
  • Maintain flowers, dried flowers and greenery.
  • Dried flowers and greenery.

If you want to open a flower shop, then the initial step happens to be learning more regarding the florist profession. If you have the right floral design skills, good relational skills, and,worthy business wisdom, to open a flower shop might be a great business idea for you. Before opening your own store, you need to develop a plan, write a mission, and structure your business. Not only do florists love working with flowers and plants, but they also have a sense of detail and a creative spirit.

You will have to be skilled in your hands and in good physical shape. This will help you to have good communication skills. The retail aspect of your business means that you will be commerce with your customers as they use to come to buy flowers. Floral preparations for weddings as well as funerals happens to be often completed in times of intense stress, when emotions are about to become uncontrollable. You will have to be able to be helpful, diplomatic and practical in difficult situations.

Do some market research

Who will be your potential customers? What are their buying habits and what kind of flowers could they buy? Gather as much information as possible about your market. Among the things you should consider, it is important that you know what role flowers might play in your customers’ everyday lives. Do you think they could buy flowers in your shop to offer to people who are sick or dying? Or, are flowers very popular with people in your community for events, parties or birthdays? People will be looking for good at hand bouquets Singapore store online.

Know your competitors

Among your potential competitors, there will likely be all the local retail establishments, locally owned flower shops, ornamental horticultural operations, as well as large retail stores, large stores areas, garden centers, grocery stores, etc. Flower sales are increasingly being offered by online establishments, small and large. Consider this option in your research.


Think about the methods your competitors use to reach their target markets and think about how you can reach different consumers or compete directly with existing stores. Think about how current flower shops do not meet the needs of the local market to find a way to meet them.Decide if you will have a showcase, or not. If your studies prove that people in your area will probably buy online, you may not need to invest in a storefront. The interest is that you do not have to buy real estate in popular malls, or hire a full-time manager. You will be free to make deliveries, recover all your goods, etc.


Keeping the Beer is No Hard Deal Now

It is a beautiful feeling to be lying on the beach, watching the sea and people swimming. Creams, tanning, water and … suffocating sun. The logical consequence of the latter, besides the desire to go to the sea, is thirst, a terrible enemy that fights against our tranquility. What to do? Naturally, take something, but it is not always easy to keep the drinks at the exact temperature, if we choose the option of not buying them in the same place, a situation that usually erodes more quickly our pocket. Here we give you some tips to have cold drink on the beach for this summer.

Refrigerator or portable refrigerator: It is the most common option, widespread in many countries of the world. The small refrigerator with ice can keep any cold drink for a while, although its weight and size can make it a nuisance in the transfer and the ice melts easily. The Personalised Stubby Holders also do the same work now.


The magic hole: A more homemade and simple way is to dig a hole near the sea and bury the drink there (if you can shelter under the shade better). The cold of the wet sand helps keep a beer or whatever it is at a good temperature.

Container with ice and salt: It is a possibility that admits a little more sapience or practicality, at least. In a container, and especially with drinks that are already somewhat hot, place water, ice and a little salt. Then the drink that is and by a chemical reaction will acquire the ideal temperature to be consumed.

  • If technological advances are within your reach
  • In some corners of the world, the Solar-cooler has been created, a refrigerator that feeds on solar energy through its plates. It keeps the drinks at a temperature of five degrees for 18 hours.

Another option is a small refrigerator that stays cool through a USB cable. How uncomfortable and negative is you have to carry a notebook or tablet to connect and is so small that only comes a can of beer.


Exemplary Works from the Best Aircon Repair Now Possible

But, like any equipment, your conditioner will need preventative care. Regular professional service will significantly prolong the period and efficiency of the service of the device and save on the purchase of a new device. We recommend that you check twice a year (in spring and autumn – before the start of the season of active use of the unit and after its completion). In case you think this work is superfluous, – you risk reducing your life to a minimum, or even say goodbye to the air conditioner.

Service maintenance of air conditioners includes procedures for cleaning the constituent elements of the apparatus, testing the system and refueling with refrigerant (as required). The work is good at aircon repair Singapore and that is the reason you can expect the best results now.

Why is the conditioner so necessary for preventive care?

The first reason is ubiquitous dust. It penetrates into all the cracks and settles on any surfaces. External and internal units of air conditioners are no exception. Dust, accumulated on air filters, prevents the normal ventilation of the room. And settling on heat exchangers and a drainage system, it reduces the cooling capacity of the air conditioner and increases the load on the compressor. “Anti-dust” cleaning is carried out with compressed air or steam jets.

The next stage is testing the device: It facilitates the timely detection and elimination of malfunctions in the operation of the air conditioner. Such parameters as system pressure, integrity of electrical connections, air temperature at the entrance and at the exit from the indoor unit are checked.

It is possible and quite permissible that over time, a part of the refrigerant (most often it is freon) evaporates. The lack of freon in the system increases the load on the compressor and causes the formation of condensate and ice, and also reduces the ability to cool the air. Further development of the situation can lead to overheating and breakdown of the compressor. And its replacement and related repair work is not an expensive pleasure. Professional maintenance of the air conditioner will cost you much cheaper than repairing the old one or buying new equipment – which is inevitable, if nevertheless neglected preventive work. In case of the best deal developer sales in Singapore you will be having the smartest options now.

Note that of all the above-mentioned scope of work with your own hand, you can only clean the air filters of the indoor unit. All other actions should be best entrusted to the competent master – an employee of a specialized climate company.

For example, very often the air conditioner breaks downbecause of the need to replace freon. But to carry out replacement is only for professionals, because you yourself can damage the tubes of the system and completely render the air conditioner inoperable. Another problem, which very often happens, is called compressor faultsand a start relay. In such cases, the only way to solve the problem is to replace the parts.

The Last Thing You Need to Know

Almost every owner of such a technical device is faced with the problem of clogging the drainage system. Agree, often from under the air conditioner water drips. Eliminate such a problem by cleaning the drainage system or another part necessary for proper operation and the problem in which it was found during the diagnosis. Sometimes you can replace a part yourself, but when it comes to actually replacing the main components or working with the wiring, it is better to entrust such operations to specialists.

Best deals for the Online Shopping Now Easier Than Ever

Online shopping is extremely popular and is still growing like cabbage. By now we all know the most well-known online shops and you can assume that companies like and Amazon do everything they can to keep you shopping as safely as possible online. But not all web shops are equally safe and you better be on the alert before you leave your data behind.

Below you will find a number of tips that we have put together with that can be useful for everyone.When creating your account, choose a password that is unique and strong. A ‘pass phrase’ with a mix of ordinary letters and capitals, but also numbers and special punctuation makes a passphrase difficult to crack. With the perfect Online Shopping Stores you will be able to have the best options now for the smart purchase.

Check https: As soon as you want to pay online in a web shop (‘checkout’), the web address must begin with ‘https: //’. In that case, the internet connection is protected and protected against unauthorized persons.

No direct complaints have yet been received from the Consumers’ Association about direct online payment via your own payment account.Read feedback on the webshop. On comparison sites such as, or you can check user reactions. If the webshop is positively assessed, then this is an indication that it is safe.Just tick the boxes to agree on the terms and conditions, the privacy statement and the receipt of newsletters if you have read and understood them.

Check whether there is a reference to a guarantee or quality mark on the webshop that indicates that it is a recognized safe web shop. Stay alert and use your common sense when making online purchases. Does the online store look reliable? How long does the online shop already exist? Are the products offered at a reasonable price?

Check whether the website meets the legal requirements that are set. For example, a web store is obliged to communicate the address of the company, contact details, VAT number and registration number at the Chamber of Commerce.

  1. Surf safely

If you want to shop on the web, you first need to ensure that you surf safely. Buy online with a secure internet connection – preferably at your home – and avoid making payments from a public network.

  1. Choose well-known websites

Choose carefully where you buy and prefer websites that are well known.

Take a look at the website Alerts regularly to see which fake shops are active.

The internet has completely messed up our consumption habits: we can now buy everything from our lazy office. With a few mouse clicks you will find the latest bestseller novel, sunglasses, a block of foiegras or a smartphone within your reach. There has been a real proliferation of web shops in recent years, making it even more difficult for the consumer: which stores are reliable? how can I shop online safely? We help you on your way.