By financen | December 15, 2017 - 5:22 pm - Posted in Employment

Businesses and government agencies require workers to perform various duties within the organizations. They would, therefore, advertise the positions online or on print media and invite individuals to send their applications. Those who meet the desired qualifications are then invited for an interview and the best from the group hired to the position. Well, this is what most institutions do when they need to fill up positions in their organizations but it lacks one critical element; pre-employment background checks. Such checks are very important and they may unearth shocking details about the applicants that may make them unsuitable for a particular job. Employers should, therefore, insist on such checks before hiring and this piece highlights some of the reasons why that is the case.  

  1.      To unearth criminal records.

Job seekers would hardly reveal their past criminal records when applying for jobs and it is only with a background check that employers will be able to unearth such records. A criminal history may not necessarily mean that an individual is not fit for employment but the employer deserves to know this information before trusting a new employee with sensitive files and information about the business. Job seekers should be forthright with this information and those that are not could have something big to hide. Some of the issues that employers should be on the lookout for include assaults and drug-related crimes. Workspaces are supposed to be safe and employees with such histories and characteristics may interfere with this.

  1.      To confirm academic credentials.

Job seekers may also use fake certificates when applying for a job and employers that are not careful when choosing new employees may end up with unqualified workers who may not add value to the firm. Background checks are, therefore, very important to check the authenticity of documents presented by the applicants. Such checks are particularly important if the position to be filled is technical in nature. Medical personnel and programmers are some of the positions that call for pre-employment background checks before hiring so as to ensure that you end up with the best candidate for the position.

  1.      To ensure due diligence.

Employers are required by law to perform background checks on all their employees for security purposes. In fact, the employers will be charged in a court of law when it is found out that they have been hosting criminals in their organizations as a result of not conducting background checks on their employees. The firm may end up incurring huge fees to defend themselves in court and this will definitely eat into the business’ revenues. To avoid such costs, employers should make sure that they perform background checks before hiring anyone to their organizations.


Pre-employment background checks are very important in the hiring process. With increased competition for the few open job positions, job seekers would do whatever it takes to clinch the available positions even if it means faking the academic qualifications and hiding their criminal pasts. Background checks will reveal all these things and this will help employers make the best hiring decisions.  

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By financen | December 10, 2017 - 3:46 pm - Posted in Business, Factoring

Keeping a healthy cash flow can be a challenge in today’s competitive business world. You want to keep enough money on hand. However, you also have to spend money to pay for necessities like payroll, utilities, inventory, and other expenses. This dilemma can leave you wracking your brain for how to come up with the money you need to keep going each day.

Rather than allow your business to exist on the bare minimum of cash, you can instead use assets to free up money and secure financing you need to build your company. You can find out more about accounts receivable and asset based financing when you visit the company’s website today.

More about Factoring

The process of using your accounts receivable for collateral is sometimes referred to as factoring. In this type of financing, you sell your accounts receivable to the lender who in turn pays you a slightly discounted amount for them. You may receive up to 90 percent of their full value upfront or be extended financing based on that amount.

Businesses like, accounts receivable buyers, and factors then takes possession of the assets and handles the collection activities on the accounts. You can use the money for whatever purpose you deem appropriate without having to worry about collecting on the debts or managing the assets from this point onward.

Starting the Process

If you are interested in this type of financing, you do not have to undergo an extensive application process like you would when pursuing a bank loan. The entire process is handled online, and you get a faster answer in many cases than you would with an in-person meeting with a bank loan officer.

You also do not have to worry about making payments on the money if you sell your accounts receivable for cash. The financier makes a profit by paying you a discounted price for the accounts. After the debtors pay the financier, the business regards that overhead as the profit. However, you may have to pay a small processing fee for this arrangement.

You may not have the time, credit rating, or history in the business market to get financed by a bank. You need to use other means to secure the money you need to pay bills. You can use assets in your possession to get cash that you can use to make payroll, pay utilities, and meet other expenses.

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By financen | - 3:12 pm - Posted in Business, Others

A wooden deck is a gorgeous addition to any home. It is also a very expensive investment. Do you have a wooden deck on your home? If you do, you should do everything possible to prevent the deck from being damaged by the elements. Wood needs to be protected because it is being rained on constantly. Moisture is the enemy of any wooden surface that is constantly outdoors. The urgency to protect your deck from moisture is intensified if you live in a climate where your deck will be exposed to snow during the winter months. Here are some of the ways you can use to look for a company that will be able to put a protective coating on your wooden deck.

1. Talk to some of the deck owners in your neighborhood.

You should start out by trying to determine how the other deck owners in your neighborhood protect their decks. Do they apply the coating themselves? Do they hire a company to coat their deck for them? If so, what is the name of the company? Are they happy with the quality of the coating that the company has applied to their deck? Would they recommend that you hire the same deck coating company that they used? With any luck, you will be able to get the names of some reputable companies that you can call later.

2. Go to some home improvement stores to get references for companies that will coat your deck.

The people at home improvement stores can be very helpful. There is a good chance that some of the people who work at the home improvement stores in your area will be able to recommend a deck coating company. They might also be able to tell you the best type of coating to get for the particular type of wood that you are trying to protect.

3. Check out a few blogs that discuss home improvement issues.

Blogs might be able to give you some solid references for companies that perform deck coatings in Orlando FL. You should focus on reading blogs that pertain to deck care and maintenance. Ask the other readers of the blogs you visit if they have any deck coating companies they can recommend. There is a good chance that some of these people will be able to help you. You have nothing to lose.

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By financen | December 8, 2017 - 3:55 pm - Posted in Industry

Industrial business owners rarely market their products successfully without at least one corporate partnership to their credit. Even if you design and make most of your products in your own factories, chances are that you have partnered with at least one other business to help you create your consumer goods.

This partnership in particular may be needed when the goods you make serve important purposes in the industrial arena. You can research your options before forming this connection with a technology service by going online today.

Industrial Services for Your Company

Your consumer base may expect the products that they buy from you to last for years if not decades. Without adding a specialized finishing touch to these goods, however, they may only last a year or slightly longer. Your customers may not get a good return on their investment.

Rather than short change them out of their investment and trust in your business, you may find it wise to partner with a technology service that can offer metal coatings, thermal evaporation, wear coatings, and other services. These options add to the integrity of your product and retain the trust that your customers place in you as a manufacturer.

However, you may not be familiar with the services yourself. Rather than appear uneducated about crucial technology you need for your own factory, you can do your research now about the options by visiting the company’s website.

The site explains what each of the services are and why they would benefit you as the corporate partner. It also details how you can take advantage of the services that would be most practical for you to use in your business.

Self-Service Options

As with any corporate connection, you have to make sure that the one you forge with the company will be affordable and financially lucrative for you. You do not want to spend most of your cash flow for services that ultimately will break your bottom line.

Before you choose any of the services, you can get a free quote by using this option on the website. You will know how much it will cost you and whether or not you can afford it upfront.

Industrial partnerships can impact the quality and profitability of your company. You can research your best options for technology services and select those that fit within your budget by using the information available to you on the website.

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By financen | - 3:51 pm - Posted in Law, Laws, Legal

Alimony isn’t awarded as much today as it was decades ago, but it’s still an existing part of divorce even in this day and age. When a dependent spouse ends a marriage or their partner ends a marriage, it can be a financial crisis for them and they may not be able to support themselves. For someone in a very long-term marriage (Over 17 years), this is something that the courts take very seriously. A marriage of this length often requires sacrifices on the part of the dependent spouse that makes them vulnerable to financial difficulty after the marriage has ended. For marriages of these lengths, courts are likely to award some form of alimony on perhaps a permanent basis.

For shorter marriages, especially short-term marriages (less than 7 years), there will be something called durational alimony. In regards to durational alimony Florida courts consider it to be a more short-term arrangement that will not proceed throughout the dependent spouse’s life. When there is going to be an extreme difficulty financially on the part of a spouse who was dependent during even a short marriage, a court can take a look at durational alimony and see if it should be applied to the divorce decree.

Lawyers are best able to tell you if you’re going to be able to get any type of alimony at all. Most spouses will not get permanent alimony, but there will be those rare instances where people who are married such a long time may be able to qualify for this type of alimony. And durational alimony is even less likely to be awarded because it’s typically considered in cases where the marriage lasted less than 7 years.

No dependent spouse should overlook the possibility of alimony. When you’re married to someone and sacrifice your own financial freedom, you have the right to at the very least discuss alimony with a lawyer to look out for your best interests. While some people choose not to even address the subject of alimony, there’s always a chance that your lawyer might want to pursue alimony for you if you’re a dependent spouse. And there’s absolutely nothing wrong with durational alimony. It’s a good way to compensate a dependent spouse for the financial security they sacrificed, but only for a short period of time in relation to the length of time married.

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By financen | December 4, 2017 - 5:17 pm - Posted in Insurance

Part of being an adult is getting insurance. Many adults have health insurance, life insurance, and car insurance. Insurance is expensive, especially when you’re paying for multiple policies, but homeowners should really consider getting even more.

Homeowners insurance may be required of you if you buy a house (usually unless you pay for the house with cash). This will keep you from being destitute if you house is damaged or destroyed in the most common ways. But this is not the only insurance type that you could benefit from. In fact, there are some forms of insurance which you may notice the benefit of even more than your homeowners insurance policy. Here are three.

Home Warranty – Not often thought of as an insurance type per se, home warranties have all the basic earmarks of insurance: coverage of certain things in your home, specific term limits, and a deductible to be paid every time you use it. Home warranties are often made available to people when they buy their home. The warranty will cover things like appliances. If one breaks, you can just call up the home warranty company, and they’ll send someone over to repair or replace it, usually for a deductible of around $100. If you use your home warranty even once or twice a year, the policy will probably pay for itself. What’s more, you can renew the warranty indefinitely, which is a major boon to people who own aging houses in the long term.

Life Insurance – There’s nothing that makes you feel like an adult more than buying life insurance. The best life insurance companies offer peace of mind for you and security for the people in life that mean the most to you. Life insurance is very handy if there is a mortgage that depends on your income. If you were to unfortunately pass away unexpectedly, then the mortgage might go unpaid and your family might lose the house. If for no other reason, get life insurance because you are a homeowner, but also consider the other many benefits life insurance offers to an individual with loved ones and/or dependents.

Interior and Exterior Line Coverage – If you live in a municipality, chances are you are responsible for the underground water pipes that extend from your home’s exterior to the street. In many cities, these water pipes are old and brittle. Trees roots can go through them. Erosion can expose them. Rust can wear them away. If such a pipe breaks, it can be thousands of dollars to have the thing dug up and replaced. Don’t risk thousands of dollars on a simple catastrophe that is almost certain to happen at some time in the future. At only a few dollars a month, this could save you big down the road. Interior line coverage is also available, but your home warranty may cover this if you have one.

Being a homeowner brings many responsibilities into your life. Consider these three forms of insurance so that you can handle your responsibilities in the best way possible no matter what happens.

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By financen | November 22, 2017 - 6:04 pm - Posted in Money and Banking, Save Money, Savings

Here are the leading tips for saving money on your next broadband deal.

1) Bundle Items:

The best way to go is to set up a broadband bundle because it will reduce the rate you end up paying. For example, do you have a TV and home phone deal with the same supplier? What about your mobile phone? This is an excellent way to bundle them together for a cheaper deal. However, the one issue is you will not be able to compare prices while doing so. This is why you have to keep an eye out for potential discounts.

2) Compare:

It is important to look at the options out there for your needs.

Are there other cheaper Internet providers in the area? Use a price comparison site to help out and make your life easier.

Some of the ISPs you should be researching include Sky, TeleTalk, Plusnet, EE, BT, and Virgin Media. Check uSave for the best prices.

3) Increase Contract Length:

This can be a good idea for those who are setting up their contract. You can aim for a longer term as this settles the agreement and makes it easier for the supplier to reduce your rate. They will want a customer for longer, and this is the best way to entice them to lower the price. For example, you could end up getting a far better deal on an 18-24 month contract in comparison to a monthly agreement.

4) Decrease Broadband Speed:

What is the maximum speed you require? You can look to aim for a lower Mbps speed as it won’t cost as much. It is all about recognizing the speed you need and what they are giving to you. Some may market a higher speed but deliver far less making it useless to pay more. You need to think about fiber rollouts too and ensure this is incorporated into what you are getting at home.

5) Assess Usage:

Cheap broadband deals tend to reduce your download limits or don’t give you a high allowance. ISPs aren’t going to put restrictions in most cases, but it can happen so keep an eye out for this as soon as possible. You don’t want to get duped with a proper limit that isn’t in line with your usage patterns. For example, they may end up giving you only 1 GB per month when you need a lot more. This is why you should go for an unlimited package as it will save you a lot of money that may have gone towards usage costs.

6) Find Deals:

You need to look for monthly deals that are appealing and targeted towards new customers. This is how you can get a better deal at the “true cost.” You want to think about all costs such as installation, activate, hardware, and delivery before figuring out what a fair deal is.

This is where a lot of people look for freebies such as free routers in the deal. This can be an excellent way to save.

7) Find Hidden Fees:

Are they putting hidden fees in their agreements?

You want to look for these details before you are docked extra money for moving properties or getting a new line. This is something you should be looking to negotiate with customer service before they charge you. If not, you should look to go with someone else as soon as you can.

Always compare rates and see what they offer for free.

8) Aim for Freebies:

Always look to get your hands on freebies because they will offer them to you in a good deal. Things such as tablets or game consoles may be up for grabs if you look for them. This is great for those who want to get a cheaper deal and may like the idea of a freebie. Even if you don’t want the freebie, you can flip it for cash down the road. This can help reduce the rate you are paying even more!

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By financen | November 15, 2017 - 5:30 pm - Posted in Transport Services

When your business reaches beyond your immediate area, you have to think about how best to transport the goods you make for your clients. You could drive your inventory to your clients yourself. However, a fleet of delivery vehicles can cost you a lot of time and money that you would otherwise not afford.

Rather than pay for trucks, drivers, taxes, and tags on delivery trucks, you may save money and worry by hiring a company that offers services for domestic hauling, trucking to Mexico, and international shipping. You can find out more about your options for these services by going online today.

Learning More about the Services

Before you load up your inventory onto the company’s trucks, you want to know that the business actually has what it takes to put your mind at ease. You need to know that the drivers are highly trained and come with all of the licensing and credentials required by the state and federal government. You also want to know that they are all properly insured in case of accidents or losses.

You can discover these criteria when you go online to the business’s page. Under the Services We Offer link at the top, you can learn what kind of vetting they put their drivers through and how much priority they put on your customer satisfaction.

You also can look under the For Shippers link to learn more about how they guarantee your satisfaction and what kinds of precautions they take to get your shipment over the border and to your clients. The drivers are highly trained to ward off threats like robberies, accidents, and delays that will take away from your bottom line.

Getting Quotes

Your bottom line has to be foremost in your decision about hiring a transport service. You cannot afford to hire one that is too expensive and will take away from your profits.

You can get all of the information you need to make the best decision when you use the online form. The business can give you a free quote and let you know how much the services might cost you. You can use these details to determine if the partnership with the carrier will be a good investment for you.

You do not have the time to deliver your inventory across the border into Mexico or Canada. You can instead save money and worry by hiring a professional transport service.

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By financen | - 5:25 pm - Posted in Finance

You may have never planned on getting sick or injured and no longer being able to work. However, when your illness or injury prevents you from holding down a job, you need to find a way to survive financially without putting your health and life at risk.

Rather than endure agonizing symptoms because of your physical limitations, you instead might be encouraged to apply for benefit payments from the government. When you want to pursue a benefits stipend, monthly government checks, or SSI Portland applicants like you may get the results you want with legal help by your side.

Shortening the Application and Petition Process

Judges assigned to SSI cases have the duty of protecting the money in this fund. They cannot approve payments to people who are not truly sick or injured. They have to ensure that the money is going to people who have legitimate health conditions that prevent them from working.

People who have received fatal diagnoses or have suffered injuries that leave them paralyzed or bed-bound often are approved for their benefits faster than other applicants who are ambulatory and cognizant. When you can still walk and talk, you may appear to the judge as someone who can do some sort of job and earn some type of income.

However, many people suffer from illnesses and injuries that cannot be seen from the outside. For example, people with heart valve failure may look outwardly healthy. However, they are prone to fainting if they stand or sit for too long.

Likewise, diabetics might appear normal but suffer from symptoms that prevent them from feeling or using their feet and legs. These individuals cannot work outside of the home because they fall or pass out if they are physically stressed.

A judge may not be eager to listen to these arguments if you were to represent yourself. You need a lawyer who can gather the medical evidence and assertively make your case for you in court.

You can secure that legal representation today by going online to the attorney’s website. The lawyer has experience representing people who want to apply for Social Security disability payments and be approved quickly.

The SSI application process can be lengthy and frustrating. You need a lawyer who specializes in this area of law to pursue the case to the desired goal. You can retain this help today online.

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By financen | - 4:24 pm - Posted in Wealth

It’s an unfortunate fact of life that most people will never have enough wealth to ever need it managed by a firm. It would be more uplifting if everyone needed a wealth manager, but that’s not the way that the world works. Some people have more than others and it seems this is the way it will always be. For those who do have wealth in excess of basic needs, it’s routine to hire one of many wealth management firms to ensure that the wealth is either maintained or better yet continues to grow throughout the years.

Growing wealth is perhaps the hardest thing for a layperson to do. Investment firms know how to take someone’s base wealth and invest it in projects that will one day make money for the investors. This isn’t something that any average person can do. To actually grow wealth, you must invest in one of millions of projects that are going on throughout the world. But how can you make this lucrative?

The heart of wealth management is picking the right person to manage that wealth. Companies with a proven portfolio of success will often highlight this on their websites or share it with you when you first interview them for the position of your life’s wealth manager. Think of it more as a life manager in the end because what you are essentially doing is giving someone the power to invest YOUR money however they see fit. If they aren’t good at what they do, you can lose money just as easily as you make money.

Interviewing a firm is the first step before hiring them. These companies should abide by the standards of their industry. In other words, if they’re going to invest your money, you should be the first person to know about it and you should get reports that are accurately depicting how well this firm is managing your money. When someone loses your money, YOU need to be the first person to know about it. A firm should never hide their failures because that is a sure sign that they are not managing your money responsibly. If you don’t like how a firm is managing your money, you can always seek legal recourse to get out of any existing contract.

Picking the right firm is going to drastically affect your life. Make sure you research thoroughly!

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By financen | - 6:16 am - Posted in Auto insurance, Insurance

According to reports, auto insurance has increased by about 15% in the past year alone. Well, predictions state that it won’t get better and so, it makes sense to try and keep your car insurance costs down.  Here are a few tips on how to make that possible.

Do Your Homework

Most people tend to take the first quote they get, but this is not advisable especially when it comes to purchasing insurance. Prices for the same coverage can vary substantially between insurance companies and so, it’s best to use a price comparison site to find the best deal. Do not assume the insurance company you used for another policy will be cheap due to your loyalty. That rarely happens, and so, it’s best to explore all your options.

Get Rid of the Extras

According to Money Expert, many insurance providers will try and convince you to add all kinds of extras to your policy. They are not free, but they are not mandatory. Additional features like breakdown cover, windscreen cover, legal services and courtesy car provision all sound handy, but they only make your policy expensive. If you don’t need them, cut them out.

Think About How Regularly You Drive

How much you drive and the way you use your car can significantly affect the cost of your coverage. If you only drive a few thousand miles per year, you can save some money by putting a lower mileage cap on your insurance policy. If you do not drive to work, then remove the commuting option. All this brings the insurance costs down.

Think About Your Named Drivers

Adding other drivers to your policy is a double-edged sword. It can work for or against you in keeping the car insurance costs down. Young and less experienced drivers, along with those who have motoring convictions will bring up the premiums. If they do not drive your car regularly, consider adding them temporarily instead of paying to keep them on your auto insurance policy. Adding a more experienced driver, on the other hand, can reduce your premiums.

Increase your Excess

Increasing the voluntary excess is a relatively quick and straightforward way to reduce your premium. However, do keep in mind that if you make a claim, you have to be able to cover the cost of the increased excess.

Consider Your Profession

Some professions are considered to be higher risk than others and tend to be charged more. You should not lie about your line of work, but be a little creative in the job description part. It can make a significant difference when it comes to premiums.

Install a Blackbox

Telematics has become quite popular in the insurance world. They are especially helpful for young drivers who are looking to lower their cost of insurance. Tracking when and how you drive gives the insurance company better access to your risk, and they will be able to tailor your costs. Most insurance providers will give a discount for merely subscribing to a telematics policy. Also, if you drive safely, you can expect a reward of lowering the premium costs.

Pay Upfront

Most insurance providers will allow you to pay on a monthly basis, but if you pay upfront, you can expect to be charged a lower sum. If possible, get rid of the painful part by paying a large sum, and you could save up to 10% on premiums.

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