How to Find a Removal Company

Whether you are moving house or office, one way to cut down on the stress and labour of moving day is finding a good removal company. Why is it important?

If you only have a small move to complete, you might think you can get friends to help. It sounds ideal! You get an enthusiastic workforce and only have to pay with drinks and food (which you can share!). However, there’s no actual guarantee they’ll be free the day you need to move, and unless they happen to be a group of experienced house movers you befriended some time ago, they won’t be as efficient as the professionals: the process will take longer, and there’s the risk of injuries and broken or lost boxes. If you’re paying a removals firm, none of these things are your problem and you will be surprised at the sheer speed with which they can fill a van with everything you’ve packed up.

The argument in favour of finding professional movers is strong then: the next step is finding the right ones for this job.

The first step will be to talk to friends: many people move regularly in the 20s and 30s, especially in London and other big cities, and you’ll likely be able to get a recommendation from someone in your circle who has moved recently. Even if they just tell you about a bad experience they’ve had this is useful information that gives you something to avoid.

If this is a business move, talk to your professional network: the costs will likely be higher so you need to put more thought into finding the right firm for the job.

If you can’t get a direct recommendation, using sites like Check a Trade or Trustpilot will let you find recommended movers in your area and check customer reviews.

It’s also worth looking into local storage facilities. Some London storage like byStored businesses also offer pick up and delivery of your stored items, so if shop around, you may be able to use them both as storage solution and a removal service.

The most important thing to do is get multiple quotes from different companies: this will give you an idea of a reasonable price for the job on offer and make sure you’re protected at least somewhat from paying over the odds. If one company offers all the services you need but at a higher price, try letting them know you’ve found a lower quote elsewhere: they may be enthusiastic enough about your custom to reduce their price further.

Options for Getting a Mortgage with Bad Credit

If your credit is bad, it is only natural to worry that you won’t be able to get a mortgage. However, even with bad credit, you have options. Generally, you might have to shop around a bit more to find the right mortgage lender and might have to pay more toward your home loan. Yet, at the end of the day, if you find the right lender, you can obtain a mortgage that is appropriate for you and fits your financial needs while meeting your budget as well.

Best Overall Mortgage Lenders for Borrowers with Bad Credit

Certain lenders are available to help individuals with bad credit to find the right mortgage. The following are considered the best overall when you have a low credit score and are looking for a mortgage to buy a home:

  • Carrington Mortgage Services: Carrington Mortgage Services generally caters to new home buyers and borrowers whose credit isn’t the best. It offers loans with fixed rates for purchase and refinance mortgages, including conventional, FHA, VA and USDA loans and has a minimum credit score requirement of 550. The company is also licensed in all states in the United States except for Alaska, Massachusetts, North Dakota and Vermont. The mortgage process is fairly quick and simple and can be done online, over the phone or in person when you visit a Carrington branch in specific states. Generally, online is the best way to apply.
  • New American Funding: New American Funding offers mortgages to individuals with low income and bad credit. It seeks borrowers who don’t fit the traditional credit history mold, with many clients being minorities. The company has branches throughout the country except in Hawaii and New York and offers a number of down payment assistance and grant programs. Its minimum FICO credit score requirement for FHA and VA mortgage loans is 580. It offers loans that don’t affect your credit and uses manual underwriting to evaluate a potential borrower’s creditworthiness. Application is done online at the company’s website.

 

Best Online Mortgage Lenders for Bad Credit

If you are strictly looking to apply for a mortgage loan online and have bad credit, these are the companies you will want to consider:

  • Rocket Mortgage by Quicken Loans: Rocket Mortgage by Quicken Loans offers fixed rates of eight to 30 years to borrowers whose credit score is at least 620. For individuals looking to secure FHA loans, the minimum credit score requirement is 580. Generally, the company’s mortgages are more likely to be sought by younger people looking to buy a home rather than refinance their existing home.
  • G. Wentworth Home Lending: J.G. Wentworth offers a variety of mortgage products, including government-insured loans from the FHA, USDA and VA. The minimum credit score required to qualify for an FHA or VA mortgage loan is 580. There is a lender fee of $299 for most loans. The company’s mortgages with fixed rates have terms of 10, 15, 20, 25 and 30 years, giving borrowers plenty of options.

 

Best Refinance Mortgage Lenders for Bad Credit

If you have bad credit and are looking to refinance your home, the following are the best options to secure your mortgage:

  • Quicken Loans: Quicken Loans is the largest FHA lender in the United States and has a minimum requirement credit score of 580 for its loans.
  • ConneXus Credit Union: ConneXus Credit Union operates in 48 states and offers refinance mortgage loans to individuals with bad credit whose score is at least 600. Of course, to qualify for the mortgage, you must be a member.

These are some of the best options available if you have bad credit and want to acquire a mortgage. It’s wise to explore what each company offers so you can ultimately choose the one that’s best for your needs and financial situation.

10 Keys to Starting a Successful Drop Ship Business from Home

Over $2 trillion in ecommerce sales are expected in the United States in 2017, that number will grow to over $4 trillion in just four years. Drop-shipping is one form of merchandise fulfillment that a growing number of ecommerce business like Shoe Carnival and Pier One Imports is using, according to the Wall Street Journal.

For those unfamiliar with the term, drop-shipping is an arrangement whereby the manufacturer directly ships items to the end consumer. That means that the retail company, in this case your ecommerce store, does not handle or house merchandise.

This article will review ten key ways potential small business founders can start a successful drop-shipping business from home.

  1. Find an underserved niche

The ecommerce industry is crowded. Organizations like Amazon, Wayfair, Bed Bath and Beyond and many others are able to successfully serve hundreds of millions of customers each year. In order to compete as a small ecommerce company, you should aim to identify an underserved set of potential customers. That way, it will be easier to grow your business without needing to worry about competition from larger organizations.

To identify potential niches, consider creating an MVP (minimum viable product) and promote the product via social media ads. If done well, you can determine the potential demand for a product before you even begin working with a manufacturer. Of course, the beauty of drop-shipping is that you can immediately start selling merchandise, even with an MVP, since you won’t need to warehouse the products.

  1. Get to know the customer by creating personas

In order to ensure that the website design, product offering and go-to-market strategies are correct, you need to have a great understanding of your target customer. To build this understanding, consider creating a marketing persona. Think of a persona as an archetype, using geographic, demographic and psychographic information, you can create an accurate picture of the type of person you would like to target.

Once you understand what motivates your potential customer, it will become easier to merchandise and market your drop-shipping ecommerce business.

  1. Find a manufacturer willing to drop-ship

With a niche and customer persona already established, it is time to find a manufacturer that is willing to drop-ship merchandise. Platforms like Aliexpress can help you to quickly find manufacturers that are willing to send merchandise directly to the consumer. Be sure to conduct a background check of the factory before making a commitment, as a poor experience will lead to cascading negative consequences.

  1. Calculate associated manufacturing costs

If you are interested in manufacturing items outside of the United States, be sure to calculate transportation and duty costs first. While international manufacturers are often able to produce goods below domestic competitors, additional freight and tariff costs can make items prohibitively expensive.

  1. Ensure outstanding customer service to create word of mouth business

As mentioned earlier, poor customer service can create cascading negative consequences. Be sure to provide customers with outstanding service in order to generate word of mouth referral customers.

Word of mouth customers are ideal for small businesses, because the cost of acquiring a customer via word of mouth is lower than any other channel. Low customer acquisition cost (CAC) is a winning formula for an ecommerce business.

  1. Promote content with targeted ads

In the early days of your ecommerce business, it will most likely be difficult to generate demand organically. Instead, you will most likely need to invest in digital ads in order to generate customers. Social media is a great way to grow your brand, regardless of whether your customer is looking for a custom bridesmaid dress or used hockey skates.

Since you should already have an idea of who your target customer is (thanks to the customer personas you created) it will be easy for you to use advanced social media advertising targeting options to ensure that every penny spent is spent on driving the right customer.

  1. Track the fluctuation of business metrics, and adjust pricing

There are a few business metrics that every drop-shipping business owner should track. Customer acquisition costs, lifetime value, website visitor conversion rate, and customer satisfaction are a few of the key metrics that you should track.

When viewed as a whole, the metrics will provide you with an effective way to benchmark and pulse check the performance of your drop-shipping business.

  1. Pivot to other products if necessary

Remember that a benefit of drop-shipping is that you do not need to hold inventory if it isn’t selling. If you notice demand for your products is declining, consider pivoting to other products that are more in demand.

Create another MVP and test the market once more with social media ads to identify a new product, or a new niche audience to target. 

  1. Contact customers to evaluate performance

Customer service, good or bad, has the power to make or break your drop-ship business in the long run. In order to properly evaluate customer satisfaction, consider contacting a handful of customers directly. Ask them the standard NPS and CSAT questions, and ask them what else your business would need to do in order for them to tell their friends about their experience.

  1. Ask for advice from other ecommerce vendors

If this is your first drop-shipping business, learning the ins and outs of what it takes to be successful can take time. Consider accelerating your education by contacting ecommerce business owners operating in niches you are not targeting. Ask them for advice, and most likely some entrepreneurs will be more than willing to help.

Conclusion

Ecommerce businesses and drop-shipping businesses specifically are becoming increasingly successful. It has never been easier to identify a target market, find manufacturers, and promote products than today. By following the ten steps outlined in this article, you will be well on your way to creating a thriving drop-shipping business.

Healthy Marriage

As everyone says, marriage isn’t easy. It takes a lot of time, patience and compromise. The times you are tested the most are during hard times like an illness, death, money issues, family problems, etc. Below are some key tips for those rough times that will get you through it. They are some helpful hints to a healthy marriage.

Date Nights

Most people will tell you it is important to keep things fun and fresh in your marriage. Planning regular date nights is great for your marriage. This is particularly true if you have kids. It is important to set aside time with just the two of you without any distractions (aka kids!). It is a simple reminder of your relationship and what the two of you have together. A date night can be a nice dinner or something as simple as going to the park for a picnic. Nothing fancy is required, the only requirements is the two of you and time.

Come up with a financial plan

One of the most common reasons of marriage distress is finances. Money problems can definitely cause marriage problems and they should be addressed from the beginning. Even prior to marriage they should be discussed. Things such as saving money, what you spend your money on, what you want for your children financially, etc. are all important things to agree upon as a couple. Come up with a financial plan between the two of you that you can compromise on so that there aren’t any disagreements about it in the future.

Figure out family rules

Another common issue amongst marriages are family rules. Family rules or family norms, just like finances, should be discussed and agreed upon early in a marriage. What you may think is normal or what you think is going to happen with your family is kids may differ from your spouse. It is important that the two of you are on the same level with all of this. You also need to be on the same level with your spouse about your children and how you will raise them, discipline them, and what you expect of them.

Be Flexible

Compromise, Compromise, Compromise. That is what marriage is all about. A healthy marriage can’t be one sided, both have to give and take equally to make it work. Communication is one of the most important factors in a marriage so it is important to express yourself to your spouse and let them know what you are thinking. Pick your battles, some things may be worth it while others are not. If gambling bothers the heck out of you but your husband wants to play Golden Mane Slot Review, let him do it. There is no harm in a hobby! There may be a hobby (like shopping) that he doesn’t enjoy so it is all about compromise. However, on the other hand, you may want to pick a fight if their hobby affects the well being and safety of your family.

These key items can help you lead a healthy marriage and happy family life. Make sure to take a look into your relationship today to make sure you are doing your best.

How a Commercial Lawyer Can Help Fund Your Business

If you’re starting a small business or start up company, you might question the need for legal assistance. Guidance is available online, through the Citizens Advice Bureau and the government’s own website in an easily digestible form, which should give you everything you need to set up and run your own business while avoiding any legal pitfalls.

Unfortunately, there is a reason lawyers are highly qualified and in demand professionals: they provide a very valuable service that repays any investment you are able to afford to make in it. To help you see the sunny side of partnering up with a commercial lawyer, here’s a guide to how they can help your business get its first round of funding.

Funding Masters

One of your first and biggest challenges is securing the funding you need to set your business up. An experienced business lawyer will be invaluable here. They’ve worked with many other entrepreneurs in the same situation and know what has worked in the past, and what appeals to funders. They can help you optimise your presentations, depending on whether you are going to a bank for a traditional business loan or seeking funding from so-called Angel Investors to launch your company.

While you might be a specialist in the field you’ve chosen to start a business in, you may not necessarily be experienced in negotiation, so your lawyer can act as advocate for you in the negotiation process to make sure you get the funds you need, without surrendering your control of the business to an investor who wants a say.

A lawyer who’s been working in the commercial field for some time will have a good set of contacts, which as a more fresh faced entrepreneur you may lack, and will be able to connect you with the investors who are most likely to put money into your venture. They’ll also be able to warn you away from attractive looking funders who have a reputation for underhanded play or pressuring less experienced business owners.

Having an experienced business lawyer involved in your pitch is an extra vote of confidence for investors. They allow you punch a little above your weight, especially if you are just starting out, and by extending to you a little of their reputation allow you access a better level of funding and a more exclusive level of investment than you would ordinarily have access to.