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There is nothing quite so exciting as buying your first home. Whether you are doing it with a partner or on your own, there are a few things you should concentrate on getting done after you move in that will stop it being a place where you stay and start being a cosy home. Here is a list of the top things to get after you buy your first house.


Appliances
If the appliances in your new home are small and impractical, it can make food prep a complicated process, especially if you have a family. When a house is put on the market, sellers don't want to put more money into replacing ageing appliances. Given this, new appliances are often a priority when you move in. Though, also remember that you can factor in the price of new appliances in your offer when you buy a home.

Give some thought to what appliances you prefer before looking around. You may even need a carpenter to alter the layout of your kitchen slightly. For instance, if you like a big fridge, the existing space for a refrigerator may need to be made larger, or if you don't need a trash compactor, you may want new cabinets or shelving put in its place.

 
Blinds + Curtains
When you move into a new house, one of the first things to think about getting installed is blinds and curtains. If it is possible, get measurements taken beforehand so that the installation can take place during the week you move. There is a brilliant blinds and curtains company that offers the lowest quotes—guaranteed—for all your custom-made shutters, roller blinds, and curtain requirements.

Getting blinds and curtains installed will not only give you privacy from interested observers but also provide insulation. Your utility bills will be significantly lower when you add an extra barrier between you and the weather outside. You can also choose curtains with blackout lining. This is perfect for those early summer mornings when the sun wakes you at 4 a.m.

 
Painting
If it is possible, try to get the repainting done before you move in. Leave the windows open in the empty house to get the air circulating and the smell of paint out. There has been a lot of talk in recent years over using organic or eco paint inside your home. This is indeed a consideration if you have small children and want their bedrooms toxic-free.

There are still a few concerns about the regulation of eco paints. As it now stands, nearly anyone can set up as an eco-paint producer, as the exact definition hasn’t yet been pinned down. The Ethical Consumer guidelines state that using water-based or plant-based paints are best and try to avoid ones that have titanium dioxide as an ingredient.

These are the things you should concentrate on fixing first when you have bought your first house. They are guaranteed to turn it into a home.

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  1. Do not count your money. Counting make it less.
  2. Don't save money, think how you can make more money by spending the money you have. Belive in money circulation. Saving makes you miser.
  3. Plan to return 5% of profit back to society - This is God's bank account which gives guaranteed profit. Your consistency is the key.
  4. If God has taken some of your money back out of your expectation (Car damage, hospital visits etc), you are NOT spending money as per God's expectation (spending on poors, relatives, orphans, widows, etc.)
  5. Never ask someone to give you money unless it is extremely needed. People who want to be dependent on others, God keeps them dependent on others. Manage your money well so you don't have to ask someone.
  6. Ask God to make you rich at heart (Ghani). Remember Him by saying "Ya Ghani, Ya Mughni"
  7. If you have taken loan from someone, pay it back ASAP. If you delay it deleberately, you are delaying your blessings and putting yourself more closer to challenges and complications
  8. Strictly stay away from Interest System, its termite (دیمک) for your assets.
  9. Are you concerned (jeleous) about others being rich, stop it. Cleanse your soul.
  10. Always try to have good intentions. For example: what will you do if God gives you 100 USD? Spend on yourself? Save for future? Spend on your Wife & Kids? Remember, you wont be rich if you do not allocate money for your parents and society.
  11. Make big social plans (schools, hospitals, old-age-homes). God gives blessings when you have positive intentions for His creature.
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In the legal world you can find different characters with certain specializations. Although, in general, a lawyer is trained to deal with a large number of legal situations, it is always more appropriate to seek specialized or focused personnel in certain types of cases to represent you in front of a court. In the end, that's what tells you about his great expertise.

Family cases are usually quite peculiar. Most are motivated by divorces and legal separations, but there are other situations, for example, the desire of a couple to adopt a child. In these cases, there are lawyers who specialize in it with the aim of making the process very fast, and especially effective. The interests of the client will always be the priority, and in this case, the interests are the family welfare.


What should you look for?
· First of all, experience. Someone specialized must have a good tour in legal cases, however, try to confirm this information.

· Quality. It is not about hiring a very economical lawyer and that in the end, it is much more what you end up losing. Quality and knowledge usually have a price, but at the hand of them it is much more feasible to successfully resolve a case.

· Check his or her web spaces. What type of cases does the lawyer, or the company to which he belongs, are among his strengths?

 · Verify his or her geographical location. If you are looking for an attorney on Maui, you cannot check the web page of a lawyer in another location. It will be very useful if the professional in charge of your rights is close to your home, since it will not take much effort if you have to visit it. Do not forget that you must ensure your comfort throughout the legal process and meetings with the lawyer are quite frequent during this time.

· Make a reservation. Once you have limited your possible options, try to visit them and there, comment your case. This will allow you to compare several elements and characteristics among the different lawyers that you are interested in and you can choose the best of all, or the one that best suits your needs.

· Seeks to feel comfortable. At the first meeting with your potential lawyer, it is important that you feel that the situation is flowing and that this person is really capable of understanding the points you want to reach. This will be a fundamental element essential to the formula of success in this election. Comfort is what will give way to the necessary confidence.

· Do not forget the references. It would be excellent if you could obtain, from first hand, information from other customers. They can let you know more accurately if the service received was worth it, or not. This is the best way to consider a real picture regarding this professional.

Keep in mind that all of us need the service of a lawyer at some point in our lives. Either for simple legal advice or to represent a case; with all that entails, it is important to make these decisions with care. With the measures already described, you now have the tools to find excellence within a legal representative.



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Financial planning pertains to the process of determining how much capital your business needs to get it off the ground and stay afloat for several months as it earns revenue. It’s an essential part of your preparation for running your enterprise, and it’s where you create policies regarding procurement, investment, and administration of your funds.

If you’ve decided to start a business, these are the reasons why financial planning is an important step:

1. Ensure Adequate Capital
Financial planning is an objective way to see how much capital you can invest in your venture. While there certainly are enterprises that don’t require substantial funds to get it running, all legitimate companies are required to acquire a business license which costs money.

Moreover, if you want to join the food industry or retail, you will need equipment and employees to operate. Financial planning informs you how much cash you need to have to jumpstart your business.

2. Forecast Cash Flow Seasons
Most businesses go through seasonal cycles where customers come in abundance at times while revenue is low at other months. Financial planning allows you to take these factors into account and come up with the amount necessary to keep your business running even when the cash inflow is merely a trickle. It also helps you control expenses during the predicted low revenue periods.

Here are some cash management tips for small business owners:

 ● Categorize Expenses
Separate your business expenditures from your personal ones, even when your company needs a little financial help. Set a different budget for each aspect of your life and stick to it, even with your credit cards. This will save you a lot of time on bookkeeping and tax filing.

● Pay Bills on Time
Pay off business bills such as taxes, credit card, loan fees, utility, and the ones from your suppliers diligently so that they don’t add up for the next month. Delaying payment can result in substantial interest rates and severe penalties.

● Know Basic Accounting
You should be able to understand how accounting works even at the most fundamental level so that you won’t be kept in the dark with its processes. Moreover, to supplement your basic knowledge of this department, work with financial service providers like Capstone which offer exceptional support from their network of financial advisers and accountants.

3. Plan for Growth
Business owners face a new set of challenges each day, such as a gadget breaking down, and these obstacles can easily distract you from thinking about your long-term plans. Financial planning can keep you on track with the things that you need to do or buy today which have a significant impact on your company’s growth.

Moreover, building a business from the ground up requires you to make a lot of crucial decisions at the beginning of your entrepreneurship journey. These choices have effects on your business that you can’t quantify if you don’t have a financial plan. For instance, you can assess if the money you spent on promoting your product or service led to a spike in sales for a particular month or period.

4. Monitor Priority Expenses
The ability to manage your resources properly is crucial for budding entrepreneurs.
A financial plan helps determine which costs are of utmost priority for your production and operation. These expenses should bring immediate improvements in efficiency and market penetration. Other expenditures that don’t have a significant impact on these factors can wait until you have money to spare.

These are some of the overlooked costs when starting a business:

● Business Insurance
You should allocate budget on insurance for your office, stocks, equipment, and employees. The types of coverage you must consider are general liability, medical, worker’s compensation, and professional liability insurances.

● Product Development
This is a necessary factor if you’ll be introducing a new product to the market. You must have a team dedicated to building and improving your commodity. This cost includes the expenses for designing, engineering, and manufacturing.

● Digital Marketing Expenses
Whether you’re going the traditional route with a brick and mortar store, building an e-commerce empire, or both, you will need to enlist the help of people who will focus on promoting your products and services online. You have the option of hiring an in-house team or outsourcing this process to a third-party agency. Either way, you must account for this expense during the financial planning stage.

Conclusion
Financial planning is a crucial step before you start a business because it gives you an accurate idea of your capability to build a company. There are plenty of expenses involved in a venture. Being prepared can help you face your entrepreneurial journey with confidence no matter what challenges you may encounter. 
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Elise Morgan


Whether you’re starting your own company or you’ve been working for the same corporation for 30 years, we all know that there are hundreds of myths about business that have been floating around for as long as we can remember. What’s even worse is that many businesspeople tend to act upon these myths – when most of these ideas having little to no backing behind them. Here is the list of the top 5 business myths that we should stop believing.

1.      The Customer is Always Right
You have heard this one echoing in your mind since you created your first lemonade stand at 7 years old. And sometimes, thinking that the customer is permanently correct doesn’t always seem that bad– especially when you’re on the consumer side of the line. But the real fact of the matter is that if the customer was truly always right, there would be no more functioning businesses. Period. When companies put this myth at the top of their priorities list, it not only leads to unhappy employees, but it completely ignores the fact that sometimes, some customers are just plain bad for business. Companies should start to understand the importance of happy and diligent employees compared to customers that consistently deplete the company’s resources, time, and efforts.

2.      Your Boss is Always Right
Not all those that are in a managerial position are fit to lead, and it can be extremely frustrating to watch someone that signs your paycheck make bad business decisions on the regular. If this is the case, one of the worst things you can is to sit back and watch these poor decisions lead to poor performance results for your whole team (and oftentimes the whole company). There are several ways to tackle this issue, but the first thing you should do is fully understand your boss’ perspective on these decisions. Once you have this understanding, find allies and other colleagues that see the issue in the same point of view that you do, and don’t be afraid to confront your boss in a rational and professional manner.

3.      Successful Businesspeople Work Around the Clock - All Day, Every Day
If all you think about throughout the day is work, you’re bound to wind up feeling burnt-out and exhausted. Many successful business leaders have learned to understand the importance of making time for outside interests, hobbies, and most importantly – sleep. Without adequate sleep, your attention span will lack, and you will most likely experience “a wide range of cognitive problems with working memory, processing speed, and reasoning”. There are several tools that can help any non-sleeper find a good snooze every now and then, such as an essential oil diffuser that relaxes the body and mind, or a suitable mattress that leaves you feeling refreshed and willing to take on the day in the morning.

4.      It’s About Who You Know – Not What You Know
Although networking and connections are a big part of business, it’s definitely not everything. In order to truly be successful without climbing the corporate ladder for the wrong reasons, you also need to be knowledgeable, technically savvy, and passionate about the work that you do. We all know at least one person in a higher-up position that isn’t technically qualified just because they were recommended by a powerful friend - and oftentimes it doesn’t end well. To avoid any semblance of this scenario, be sure to keep up on industry trends, techniques, and best practices to ensure that when the time comes for you to make the rise in your company’s hierarchy, you have the tools readily equipped to do so in an effective and respectful manner.

5.      Big Risks = Bigger Rewards
Especially when starting a new business, taking big risks can seem like the shiny new object that you can’t stay away from. However, in the early stages of a company and even during maturity, making calculated decisions and taking smaller risks more frequently will typically lead to a healthier overall business down the road. It’s not to say that taking huge risks is bad but be sure that your decision-making team has completely thought through every potential scenario to be able to handle curveballs that may be thrown your way. If taking a big risk is necessary in your current business situation, be sure to accept the possibility of failure, and if it happens, “don’t take it personally – learn from the experience and move on.”

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Choosing to exercise at home is a good idea. It is always there when you are in the mood to work out, and it saves you the entrance and joining fees at a gym. Here are some of the best ways to exercise in the comfort of your own home.


Swimming

If you are lucky enough to own a swimming pool remember that it doesn’t have to be only for the kids. Doing laps before bedtime can be an excellent way to exercise and wear yourself out before sleep. It is the easiest way to burn up the meal you had for dinner as well.

If you want to use your pool more and need it to be a more welcoming temperature, you can adapt it to be solar heated to extend the number of months the pool will be used by the whole family and give you more hours in the day when it is nice to swim in.


Stationary Spin Bikes

If braving the elements is not something you want to do when you want to exercise, then using a spin bike is a smart and easy solution. It has been scientifically proven that spin cycling is one of the highest calorie burning activities you can do. The best thing about having this equipment in your home is you can use it no matter what the time is.

Joining a gym is not an option for many people who still want to keep fit. If you work night shifts or prefer to exercise late at night, joining a 24-hour gym can be an expensive thing to do. They charge more because there is extra staff to be paid and after-hours salaries to supplement.

One nice spin bike to buy is a model that comes supplied with live streaming spin class capabilities. It is this kind of technology that makes paying monthly gym fees and sticking to their opening hours completely unnecessary. 


Housework and DIY

This might seem like a strange exercise option, but research has shown that doing chores around the house and gardening are excellent ways to burn up calories and strengthen muscles. Even DIY such as carpentry and painting use energy and give you a good workout. That's why you feel so tired after working on a project.

If you decide to make housework and gardening your new form of exercise, there is a right way and wrong way to do it. Firstly, keep hydrated with water just as you would if you were in a gym. The leading cause of overeating is when the body misinterprets thirst as hunger. It’s counterproductive to spend the day cleaning and tidying if you binge on junk food when you think you have hunger pangs.

Next, be sure to concentrate on maintaining a strong core when you are doing your tasks. A good posture means your core is getting a work out even if it doesn’t feel like it. When you have your shoulders back, your spine straight, and your hips in line with your shoulders, you will be working your core muscles.

Make 2019 the year to get fit and exercise at home!
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You might be looking to sell your house for many different reasons. The big sale facts that real estate agents look for in a motivated seller are the four Ds: Divorce, Departure, Death, and Downsize. These clues indicate to the agent that you want to sell your home quickly and at a price that benefits the buyer. It is important to look at other options when you want to put your home on the market.
Using an Agent
Before the internet, there was only one way someone could sell a house, and that was by using a real estate agent. These were usually people who had been in the business for many years and had a designated neighborhood in which they had expertise. It was also a very desired career for anyone who was not the primary breadwinner in the family, as there could be a month when they may not make a sale.

The training an agent receives is to present themselves as an essential part of the real estate selling process. This tactic can be as simple as making it sound like an incredibly complicated thing to do as far as conveyancing, contracts, and lawyer’s fees are concerned. Or they might emphasize the dangers of having strangers come onto your property to look at the house. These methods to pressure a homeowner into allowing the agent to list their home have been very successful in the past.

 Contacting a Trusted Home Buyer
Selling to a home buyer is the ultimate "no muss, no fuss" way homeowners are choosing to sell their houses. A fast and fair price is offered to the seller instead of the old traditional way of listing a home.

Say you are located in the Miami metro area and want to sell your property quickly, without the nonsense of dealing with agents. You contact a home buying company that is looking for properties in your area, and they buy it for you with no strings attached. You even get to choose what day you move out.

This method is one of the ways that people are choosing to sell their homes over that of using a real estate agent. The house is sold as it stands and no stressful renovations, visiting buyers, and show days ruin a quick house sale.

 Sell Your Home Yourself
If you decide to sell your home yourself, there are several ways of doing this. This method of sale is only recommended if you don’t have a looming deadline, as it can take a while. The most popular ways of selling a home FSBO (for sale by owner) are putting up a sign in the front yard, listing it on an FSBO website, and by word of mouth.

Buyers sometimes prefer using FSBO when they offer for a property because they are dissatisfied with the commission agents charge and like to be able to deal directly with the seller. The downside to this is that the sale can take much longer, the paperwork and legal requirements can be intimidating, and it can be difficult reaching an agreement on moving dates. 

Now that you have all the information you need to sell your house remember to make sure you have another home to move into when your sale goes through.
 

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