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postheadericon True Solutions for the Best Factoring Options for You Now

Consider the option when a financially stable buyer (credit rating AA), which buys with a deferred payment in 40 days from its less financially stable supplier (BBB credit rating). Since the supplier needs liquidity, it sells part of these formed receivables for this operation to a financial institution, say for 15%.

This high cost is due to two factors: first, the bank protects itself from the risk of non-payment by the buyer, the second, as the supplier is financially unstable, it will not be able to return the money if the buyer does not pay for the delivery on time.

After that, the buyer, together with the bank, makes the following offer to the supplier:

At any time when you need liquidity (meaning financial means) you can sell your receivables to another bank that will pay 6%, not the previous 15%. On the other hand, the deferred payment for the buyer increases from 40 to 80 days. “The bank sets an interest rate of 6% because the buyer has assumed the obligation to pay on time (we remember that the buyer is a financially stable organization with a credit rating of AA).

Such conditions are more favorable for the supplier, as the cost of a joint factoring operation is reduced compared to its individual conditions (when he himself buys a factoring service from a bank). The buyer wins, because he pays 40 days later to the supplier. The reverse factoring company takes care of the perfect option now.

Thus, the reverse factoring (described transaction) seems to be a win-win-win decision. Perhaps, it is for this reason that some European governments, for example, the British government, last year saw in the reverse factoring a way to solve the liquidity problem for private enterprises in small and medium-sized businesses. Thus, they are now encouraging firms and financial institutions to accept back financing programs, while others, such as the Dutch, may follow suit this year.

Problem moment

The scheme works fine until the buyer pays the bills on time, i.e. The calculation is based on the fact that the buyer remains financially stable. Nevertheless, what will happen if the buyer can not pay his bills in time, then the banks immediately exit the reverse factoring scheme, the closing of which in this case will push the financially unstable suppliers to bankruptcy, and this may affect the entire industry and, possibly, economy. In fact, if reverse factoring becomes widespread, it could well become the backbone of the next financial crisis.

You may be right in thinking that the chance that a financially stable player will not be able to pay the bill in time is minimal, but that does not mean absolutely that it is impossible. Of course, both these corporations went bankrupt because of financial scandals, but the fact is that financial scandals are taking place.

How to prevent unlimited growth of reverse factoring

Although the use of reverse factoring can be very useful under certain circumstances, its growing use as an instrument can lead to serious consequences. One of the ways to prevent uncontrolled growth of these programs can be the “factoring companies” themselves, i.e. financial institutions that provide liquidity (financial means), for example, to impose a “risk premium” on the buyer, in order to compensate for these possible risks.

postheadericon What are motorized curtain and its benefits?

Canvases are ideal for hard-to-reach areas such as stairwells, bathrooms, bedrooms, mezzanines and two-story lounges. Now available with batteries, these are much less expensive and installation is simpler. No need for the services of an electrician! A battery lasts on average one year.

Too easy to live thanks to its integrated motor! The good motorized curtain is the solution for the solar protection of your large windows. The electric blind moves with the one click of the remote control and stops at the desired height. Screening or blackout according to the chosen fabric, you filter the light and you protect yourself from the sun’s rays. It’s a simple store to install and modern.Different ranges of battery motors are available, whatever your needs or your budget we have what you need!Several remote controls offered, some of which are compatible with your smart phone!

What is the point of motorizing an indoor awning?

It’s extra comfort. Simply with the remote control, you can raise and lower your blinds remotely, while sitting comfortably in your sofa.

How to discover business in Singapore

A crowd funding platform dedicated to wine is great idea to discover Singapore businesses.

The idea: This is a crowd funding site, which connects winemakers-winegrowers and other wine actors with potential investors. The latter will be able to participate in the development of projects by financing for example a vat or a vineyard plot. In exchange for their donations, project sponsors offer in-kind consideration that depends on the donation amount (bottles, vines, etc.).

Advice: The platform must include projects from all over Switzerland and abroad so that the choice is more interesting for investors.

An ecotourism tour operator

The idea: Propose private tours of major wine estates, castles and wineries all over the world with a meeting with oenologists, masters of chaix and other technical directors of domains who will talk to you about their job. Tip: Select domains that are not necessarily open to the public to make your offer exclusive.

Rent your phototherapy for home treatment

Light therapy or phototherapy (UVB) is a very effective treatment for psoriasis. The light penetrates the skin and slows the growth of the skin cells. If you suffer from psoriasis then you have tried everything. With a treatment you will look at the severity of your psoriasis, the surface of the spots, and how the patient responds to the treatments.

When you just start treating psoriasis, you will be prescribed ointments in the first stage. The next step is light therapy and the latter are heavy medications / injections in combination with light therapy. This is for people with severe psoriasis complaints.

However, many people with psoriasis benefit greatly from light therapy. That is why many people with psoriasis in a warm climate have less problems with complaints. The sun also releases harmful radiation and is very dangerous in the long term. A home UVB lamp has this radiation many times less, but always be careful with long term use! For any emergency you can rent your phototherapy for home treatment with us now.

postheadericon 5 Reasons Why Your Construction Site Needs Rubbish Removal

While the construction industry is profitable, it comes with several unique challenges. Besides labour issues, weather and bureaucracy, there is the matter of handling construction waste. Of course, at the heart of the endeavor is to ensure safety, not just for the construction workers but also for the inhabitants of the structure after it is complete.

Construction waste refers to any material, produced during demolition, renovation, or even construction of a new structure, which has been abandoned. It refers to the mixture of surplus material that arises from excavation, refurbishment, demolition, road works, and site clearance.

Construction waste constitutes of material such as nails, dirt, sandstone, bricks, concrete, asbestos, and other building material. It is ordinarily heavy and bulky meaning that it is not only tricky to transport during disposal, it also fills up landfill space fast, creating further disposal challenges. What is more, some materials such as asbestos are harmful to health. The following are five reasons why you need commercial rubbish removal services in your site:

To comply with laws and regulation

Due to the nature of construction waste, many regions have put in place laws that govern the treatment of such waste. Since most materials in the waste will not decompose, some states have designated dumping sites. Failure to comply with such laws often comes with hefty fines and or prison time. Waste disposal service providers are well versed in local regulation, which means that getting their help will keep you on the right side of the law.

To protect the environment and minimise careless consumption of limited natural resources

Most landfills have personnel who are equipped to manage construction waste. As it is, landfill space and reclamation sites are running out, and there are forecasts that their capacity will be depleted if care is not taken. The trained personnel will know how to handle waste in a way that protects the limited land resource and protects the environment from the harmful effects of waste material such as lead, asbestos, and mercury.

To create safe working and living conditions

Mounds of waste can be hazardous in a construction site. Workers can injure themselves when they step on a nail for example or trip on a rock. Besides, often, as renovation projects are ongoing, you will find that regular activity around the structure is still ongoing. For instance, children still live in the said house. Construction waste presents an even more significant danger to the children.

To sort out material for re-use and recycling

Part of ensuring sustainable waste management systems is re-using and recycling material such as wood and cardboard. Wood can also be cleaned for biomass and mulch. Plaster, cement, and bricks can be crushed and reused in other construction operations. Consequently, you save money that could have gone to buying fresh construction material.

To allow deconstruction

The point of deconstruction is to salvage valuable materials. Ceilings, doors, windows, roofing blinds, and shades can all be recovered and refurbished. Deconstruction goes beyond sorting out the building material. Things such as shop towels and rugs are also removed and either put to good use or disposed of as should.

With the services of a professional commercial rubbish removal service, you can concentrate on other areas of construction. The services take the hassle of regulation compliance, transport and other waste related issues from your hands. Besides, the specialists are equipped to handle all types of waste. They will not only remove the trash but also educate you on best practices.

Want to learn more about construction site rubbish removal? Contact your local rubbish removal specialist today!

 

postheadericon Tips for choosing the best floor for the Bathroom and Bedroom

The bathroom is used daily. Durability and easy maintenance is recommended here. So it deserves the best flooring Singapore. Choose a floor that you can easily clean and that you do not see much dirt on. Vinyl, laminate or linoleum is suitable for smaller budgets, high quality wood or tiles for slightly higher budgets.

The bedrooms

The bedrooms require a separate approach. Children quickly make stains, with playing for example, so for them a solid floor is ideal. You can clean it well. Laminate or vinyl is recommended here. Completed with soft carpets, they have warm feet and can fall gently. The bedroom of adults requires a cozy and warm floor: wood or laminate do excellent here.

Depending on the family composition, you opt for hard floors with tiles, for example (for a family with young children) or soft floors such as wood or carpet (for quieter family members). You can also make a distinction between the dining area (hard floor with ceramic tiles) and the seating area (with soft floors such as wood or carpet).

Best developer sales in Singapore

What should not be done?

To get the benefit of Best developer sales in Singapore you must follow below points.

  1. Do not call the first ad that appears. First review all offers, compare conditions and prices.
  2. Do not pursue the cheapest offer. Most likely, the apartment will be flawed: either “killed” or with dysfunctional neighbors or owners. There is also a risk of falling into the clutches of scammers.
  3. Do not pay a commission to a realtor in advance. It is paid at the same time as the signing of the lease and lease payments.
  4. Check the documents. Do not sign a lease contract and do not give money to the owner if he did not show you the documents about the property or instead of the originals provided only their copies (certificate of ownership, receipts for payment of utility bills, etc.).

Reputable home cleaning services

Choose the status of your company

Cleanliness always attracts self-entrepreneurs. It is mainly the weak barriers to entry that facilitate access to the profession. Nevertheless, it is more difficult for them to build something solid, and achieve a significant turnover. The reputable home cleaning services benefiting from another regime are better able to succeed in their game. In general, regardless of the status, factors affect the amount of turnover achieved as the segment.

Administrative procedures to be regulated

Once the project is validated, the funding found and the market studied, all that remains is to focus on the formalities of starting a business. This is to declare your activity and apply for a registration in the directory and at the RCS (Register of Commerce and Companies). Your sole contact for your administrative formalities will be the CFE (Center for Business Formalities).

postheadericon The Dos and Don’ts of Vinyl Flooring

Vinyl flooring is an elegant and affordable solution for any home or office space, and it’s easy to clean and maintain. However, there are certain rules that need to be followed to keep them looking their best for as long as possible. Here is a comprehensive list of dos and don’ts for working with vinyl flooring.

DOs:

Spillages are a reality and they will happen. But as long as you know the correct method for dealing with different spills there is no reason your house won’t keep the meticulous work of your vinyl floor installers well into the future.

Make Use of Rugs and Doormats

Make use of rugs and doormats to avoid eventual wear and tear in high traffic areas. This is especially important for keeping out dust and particles that people track in that could dull the sheen of your vinyl flooring.

Use Low-impact Cleaning Techniques and Products

The use of heavy chemical cleaners and abrasive methods will leave your vinyl flooring looking dull and worn down. A quick sweep followed by a mopping with a microfiber cloth or a slightly dampened mop is enough to leave your floors squeaky clean.

Using a touch of apple cider vinegar is a great way to gently but thoroughly clean your floors without leaving any residue.

Sweep Everyday

A quick sweep every day or two can help you preserve the appearance of your vinyl flooring by removing any dust and particles that will eventually scratch the surface’s finish.

Put Protective “Feet” on Your Furniture

The feet of your furniture will scratch your vinyl flooring if you do not place a soft cushioning of some kind between them and the floor’s surface.

DON’Ts:

Don’t Drench or Soak your Vinyl

A dampened mop is enough to clean vinyl flooring. If you use copious amounts of water you run the risk of it seeping into the floors and causing it to warp.

Don’t Clean Before Vacuuming or Sweeping

If you do not vacuum or sweep first you could end up scratching the surface with any particles that were on the floor before you started mopping.

Don’t Use Abrasive Materials to Clean Your Vinyl Flooring

Vinyl flooring has a clear polyurethane coating which is responsible for its shine. Trying to wax this won’t work. It will simply leave a residue that eventually eats through this clear layer. Abrasive cleaning products will also remove this layer of sheen.

Contact us at Floorin Installers for a quote to get your very own vinyl flooring. You can also read our blog for more tips and tricks.

postheadericon The Interior Design Benefits of Building Material Supplies

When you think of interior design, one of the first images that springs to mind likely has something to do with fancy ornaments, stylish furniture and various types of artwork. But have you ever considered that you could make your own unique interior design changes with some building bricks and other basic materials?

Brick and glass coffee table

Have you ever wanted one of those fancy coffee tables with the glass top? You can easily make your own version of those with four building bricks, a pane of glass (sized to your needs) and some silicone.

Simply measure out the size of your glass pane, work out where the legs of your table need to be placed according to that, and place the bricks where you need them (vertically). Then you apply some silicone to the top of each brick, smooth it out, and let it set. From there you can simply put the glass pane down on top of your bricks, and voilà, you have a snazzy, modern coffee table.

A peg board organiser at your door

If your home has a spacious entrance, but it’s always cluttered, head over to your nearest building material supplier and pick up a peg board (or request that one be made). You can use multiple boards to fill up the wall space on one side of your entrance, or one board that fits the entire space.

When you install the board, make sure there’s a slight gap behind it so that your pegs can slide in and remain secure. From there you can put in as many wooden pegs as you like, wherever you like, and use these to quickly hang up everything from coats and shoes to pot plants and bicycles!

Spruce up your shelves with plywood

Whether it’s in the kitchen, dining or living area you likely have a shelf of some kind somewhere. But what about that dull piece of wall that you can’t do anything with just under the shelf? The answer is plywood panels!

Building material suppliers can provide you with loads of plywood, and at a very reasonable price. So get a few panels and attach them to the wall underneath your shelving. You can paint these any colour you want, to brighten things up, and because of how soft plywood is you can use these panels as convenient notice/pin boards too.

postheadericon Using a Qualified & Registered Tree Surgeon

If you’re living on the countryside or own farmland, chances are, you will need tree surgery at some point. Over the last few years, we’ve seen storms rage across the UK during the wintertime, and the number of storms seem to be increasing every year. As a result, thousands of trees are at risk of falling and doing serious damage to houses, traffic, and even pedestrians. That’s why it’s important to contact a tree surgeon and let them know of your concerns so that they can minimize the risk of dead trees falling onto public roads. Here at Stan Timmins Tree Surgeons, we are ready to get to work on both domestic and commercial tree surgery. We work in Newcastle and the North East, so we cover a wide area and are ready to get working when you say the word.

In this article, we’ll take a look at some reasons why it’s important to use a qualified and registered tree surgeon, along with some of the benefits of doing so.

1. Checks If Your Intended Tree Surgery Is Affected by a Tree Protection Order

In the UK, all your intended works (tree surgery, tree felling, etc.,) must be checked and approved by a Tree Preservation Order (TPO) to see if your plans may affect conservation or any other ecological ecosystem. With most tree surgeons, they will be able to check with a TPO to see if your proposed plans are allowed. Here at Stan Timmins Tree Surgeons, we submit your proposed plans to a TPO, plus the Local Authority to get your plans approved. This means that we can go ahead with your intended work. You’ll have to do less paperwork and spend time filling out applications. We do all that work for you.

2. Regulate Traffic Flow

If you need trees cut around a highway or road area, this means the incoming traffic will be affected by the machinery, since one side of the road will be blocked. However, some tree surgeons help regulate traffic flow by placing down temporary traffic lights or signs which will alert drivers. This will help the tree surgery run smoothly, while also keeping the traffic flowing. It’s always a great relief to know that all aspects of the traffic will be taken care of while the tree surgery is taking place. Not all tree surgeons do this, but we do this as well as carrying out highway tree surgery.

3. Precision and Variety

A tree surgeon will have the skillset and precision required to carry out a variety of tree surgery from working with tree stumps to cutting down towering Oak trees. Every tree requires the experience and knowledge required to carry out the tree surgery safely and accurately. Since there are so many varieties of trees, each of varying sizes and breadths, you always need to trust a tree surgeon who will carry out the job quickly and accurately, without any fatalities. That’s why using a qualified tree surgeon is so important, and most tree surgeons carry out dozens of techniques to carry out the requires tree surgery. It all depends on the tree at hand and the work needed to be done.

Conclusion

When you’re about to embark on tree surgery, it can be a daunting experience to search for a qualified and registered tree surgeon. We believe at Stan Timmins Tree Surgeons that we can provide you with the quickest and most accurate tree surgery, to suit whatever work you need done. We offer the advantages listed above and we have had many customers who have praised us and thanked us for our work. You can see these customers at our Testimonials page.

postheadericon The Dos and Don’ts of Vinyl Flooring

Vinyl flooring is an elegant and affordable solution for any home or office space, and it’s easy to clean and maintain. However, there are certain rules that need to be followed to keep them looking their best for as long as possible. Here is a comprehensive list of dos and don’ts for working with vinyl flooring.

DOs:

Spillages are a reality and they will happen. But as long as you know the correct method for dealing with different spills there is no reason your house won’t keep the meticulous work of your vinyl floor installers well into the future.

Make Use of Rugs and Doormats

Make use of rugs and doormats to avoid eventual wear and tear in high traffic areas. This is especially important for keeping out dust and particles that people track in that could dull the sheen of your vinyl flooring.

Use Low-impact Cleaning Techniques and Products

The use of heavy chemical cleaners and abrasive methods will leave your vinyl flooring looking dull and worn down. A quick sweep followed by a mopping with a microfiber cloth or a slightly dampened mop is enough to leave your floors squeaky clean.

Using a touch of apple cider vinegar is a great way to gently but thoroughly clean your floors without leaving any residue.

Sweep Everyday

A quick sweep every day or two can help you preserve the appearance of your vinyl flooring by removing any dust and particles that will eventually scratch the surface’s finish.

Put Protective “Feet” on Your Furniture

The feet of your furniture will scratch your vinyl flooring if you do not place a soft cushioning of some kind between them and the floor’s surface.

DON’Ts:

Don’t Drench or Soak your Vinyl

A dampened mop is enough to clean vinyl flooring. If you use copious amounts of water you run the risk of it seeping into the floors and causing it to warp.

Don’t Clean Before Vacuuming or Sweeping

If you do not vacuum or sweep first you could end up scratching the surface with any particles that were on the floor before you started mopping.

Don’t Use Abrasive Materials to Clean Your Vinyl Flooring

Vinyl flooring has a clear polyurethane coating which is responsible for its shine. Trying to wax this won’t work. It will simply leave a residue that eventually eats through this clear layer. Abrasive cleaning products will also remove this layer of sheen.

Contact us at Floorin Installers for a quote to get your very own vinyl flooring. You can also read our blog for more tips and tricks.

 

postheadericon Great Options for the Perfect Cleaning for You Now in Singapore

Perhaps, it is not necessary to say that absolute cleanliness and hygiene of commercial premises is an indispensable condition for comfortable business. That is why maintaining cleanliness and order in all types of commercial real estate is nowadays a priority for its owners. Moreover, in the conditions of constantly growing competition and competition for customers, a timely, high-quality and competently organized cleaning of commercial establishments becomes a significant competitive advantage of the business owner. However, this does not mean that the owner should deal with such issues as cleaning the storehouse or the shop, the hotel or the restaurant, because there are cleaning companies for this! You can easily engage in a commercial cleaning Singapore company today.

The Supports Provided Now for the Best Regards

Cooperation with a specialized firm that provides cleaning services is without exaggeration the simplest and most affordable solution to the problem of cleanliness. First, so you eliminate yourself from the need to deal with issues that are unusual for your activity, such as recruiting and training staff, purchasing equipment, choosing detergents. And secondly, you get the confidence that the expensive modern decoration materials used in finishing the premises that you own, which actually give them attractiveness, uniqueness and uniqueness, will not be spoiled or damaged and will retain their original appearance for a long time.

The Proper Activity for you

During the activity they have accumulated considerable experience of working at commercial enterprises of various types. The technological processes are well-established and optimized, employees perfectly master modern cleaning methods, and the fleet of professional equipment is constantly updated and replenished. In the complex, all of the above allows the company to quickly solve almost any non-standard and complex tasks. And it does not matter what exactly is required to the client – cleaning the store or cleaning the hypermarket – they treat each task set before us equally responsibly and in good faith.

They offer several cooperation schemes. It can be a one-time service or a long-term partnership on a contractual basis, an integrated approach or a clearly defined package of basic and additional services. In most cases, complex cleaning of premises is interesting to owners of large objects. Cleaning supermarkets or, say, cleaning business centers – the process are quite complex and the scheme of work can be changed and supplemented. The client in this case is more convenient to pay a fixed amount for the service and provide the cleaning company manager with the ability to determine the list of services at the site, but in any case the choice is always yours. They, on their part, will try to do everything possible to create a comfortable climate, both for the customer’s employees and for the visitors of the facility entrusted to us.

postheadericon Great Support for the Aircon Service Now

To fully enjoy its air conditioning, it is essential to maintain it well. Here are the essential gestures to achieve.To operate optimally during hot weather, your air conditioner needs regular maintenance. You will be able to avoid breakdowns, prolong its life and improve its performance. Here are some recommendations to properly maintain your air conditioner.To work peacefully and avoid accidents, unplug your appliance or turn it off at the electricity meter. You can take care of the maintenance of the air conditioner safely.

Clean the air conditioner filters

The first step is to maintain the air filters of your air conditioner that retain dust and pollen (a manipulation to be performed every 2 weeks during the period of operation):

  • Remove the filters from their location;
  • Dust them with a vacuum cleaner;
  • Clean them with a cloth and soapy water;
  • Let dry before replacing.

If the air filters are in poor condition, replace them. From them depends in part the proper functioning of your air conditioning.To operate optimally during hot weather, your air conditioner needs regular maintenance. You will be able to avoid breakdowns, prolong its life and improve its performance. Here are some recommendations to properly maintain your air conditioner.To work peacefully and avoid accidents, unplug your appliance or turn it off at the electricity meter. You can take care of the maintenance of the air conditioner safely. The emergency aircon service is very important now.

Clean the air conditioner filters

The first step is to maintain the air filters of your air conditioner that retain dust and pollen (a manipulation to be performed every 2 weeks during the period of operation):

  • Remove the filters from their location;
  • Dust them with a vacuum cleaner;
  • Clean them with a cloth and soapy water;
  • Let dry before replacing.

If the air filters are in poor condition, replace them. From them depends in part the proper functioning of your air conditioning.

Good to know: replace the activated charcoal filter once a year to avoid odors.

Clean the indoor and outdoor unit of the air conditioner

For the maintenance of your air conditioner, a few simple actions at the indoor and outdoor units of the device will allow you to optimize its operation:

  • Remove dust on the body of the appliance and on the hoses with a damp cloth or sponge;
  • Also dust off the air outlets with the damp cloth;
  • Wipe it off with a dry cloth;

Empty and clean the condensate pan (ie the water flows that result from the condensation of the water vapor contained in the air as it passes through a cold heat exchanger).

Maintain your air conditioning filters

The first advice for the maintenance of its air conditioning is to take care of the filters. This is dusted regularly and then washes with water or soapy water before putting them back once they are rinsed and dry. Do not forget to turn off your air conditioner during the operation. This simple and effective gesture is to be done once a month.