Archive for the ‘Business’ Category

postheadericon How To Cope With Meeting Your Partner’s Ex

When it comes to relationships, Taragh Bracken is the best person to ask. No, she is not a psychologist or marital counsellor, in fact—she’s the one who sees the dirty secrets of families. She witnesses the things that make marriages fall apart, while also trying to mend the loose threads through cooperative legal actions. One issue that Bracken has recognized as transparent amongst a few young couples searching for marital support was the jealousy that strides up from the revival of an ex-boyfriend or ex-girlfriend. Whether you like it or not, your boyfriend’s ex is bound to come up from the ashes at one point in your life. This can be a result of your boyfriend maintaining close circles with this person, as well as the attendance of weddings, college reunions, related friends’ birthday parties. The list can go on and on… At one point, you cannot avoid the meet-up. Here are a few things that you must do.


Create A Mental Strategy

The last thing you want is to make the meet-up even more awkward than it already is. The same way any athlete will conjure up the power of visualization before any tournament, you need to visualize yourself meeting this ex and radiating confidence, beauty and joy. Also, you need to ensure the fact that you do not feel anxious, and are instead calm about meeting her. At the end of the day, you want to feel like you are better than her.


Keep The Conversation Courteous

You simply need to be courteous with the ex when the time comes to meeting her. In one way, you need to realize that you are the one with the man… Not her! Make sure that you are wearing something that would be applicable for a first-date. Therefore, nothing that’ll cause you to tug at your waistline or make you feel like your chest is too exposed. The best assets of your body should be shown within moderate respect. Also, make sure that you don’t intentionally ignore the ex-girlfriend. Put the attention on her by speaking directly to her and looking in her eyes. This is the way you will feel the most confident when walking away.


Don’t Be Hard On Yourself

The moment you meet her is the moment you’ll realize that she appears either better or worse than you… Or you may have the eerie recollection that she is in fact the same as you. It’s normal to feel a slight tinge of jealousy since this is a person who has been intimate with your significant other at one point, so cut yourself some slack. These are human, mature reactions. They aren’t as overdramatic as you may believe. In fact, removing the sense of mystery and strange aspect when you can put a face to the name may relieve you from stress. She committed no crime—she only liked the same man that you like. That’s something that you share in common, and shouldn’t feel incredibly bitter about.


postheadericon The Right answer for the Proper Mortgage

These credit institutions give mortgages to customers at affordable rates.More and more banks are beginning to issue loans, including mortgage loans, to so-called “customers from the street”. That is, those who have not previously resorted to the services of a particular organization: do not have a card of this bank; do not receive wages in it.

At the same time, from January to September 2016, 15 largest mortgage banks lowered rates for “unfamiliar” customers. In most cases, organizations reduced interest by 0.5-1 pp. It is noteworthy that most often rates were reduced in the framework of programs for the acquisition of new, or primary, housing. Due to the still valid program of state support for the mortgage (its operation, by the way, was prolonged until March 1, 2017), loans for newly built real estate and new buildings now remain more profitable than loans granted to receive a secondary. Take the help of the mortgage broker Geelong  for the right mortgage.

Thus, banks are increasingly attracting new customers. This is due to the fact that credit institutions note signs of stabilizing the situation in the non-financial economic sector and increasing the solvency of borrowers.

  • Experts, in turn, notice that the desire to attract more borrowers speaks about the excess liquidity of banks and expectations of its surplus in the near future.
  • These organizations give mortgages even to customers with a bad credit history, low incomes and a small down payment.
  • For those who have a bad credit history …

Cheap mortgage: who will pay for it?

Of course, this is not about malicious defaulters, but rather about borrowers with rare or objectively conditioned violations of credit obligations. These banks can approve the borrower’s application even with overdue more than 90 days. However, the client will need to provide an explanation of the reasons for the debt or close current loans. Less often – to correct errors in credit history, when the borrower is credited with “non-existent” violations.

  • The amount of the borrower’s income directly determines the amount of the loan, but different banks practice their approach to assessing the solvency of clients.

It is better to apply to state-owned banks they use a more flexible income assessment system and often endorse the maximum possible loan amount for borrowers, at which about 70% of the total income can go to monthly mortgage payments.

Commercial banks adhere to the “50 to 50” rule and approve the amount of the loan, payments on which do not exceed 50% of the total income.

postheadericon This 3D Logo Maker Loves Designer Goods

News flash, Millennialls are obsessed with watching YouTube videos of fashion and lifestyle bloggers take you through their every day. No wonder influencers have had their moment, flashing charcoal toothpaste and unnecessarily expensive designer footwear all over the internet. This generation wishes to emulate the lifestyle and fashion sense of these individuals, but what they don’t realize is the impending circle that this occurs. These fashion bloggers are getting their fashion tips from somewhere, and we’re not getting lash back on these secrets.


Think of Yourself as a Designer

Katia from Pixellogostated this jewel of advice a while back while at a design conference, and it resounded soundly with our team. The same way Katia hacks away every day creating a new and peppy 3D logo for brands, she embodies the designer mentality through the vehicle of clothing. You must first create a proper background—also known as the basics—to then justify the quality items that will amp up your outfit—the main image on the painting. A few basic items that every lady needs to have in her wardrobe are a little black dress, the tighter the more versatile, a black blazer, a plain white t-shirt and blouse, as well as a quality outerwear piece such as a leather motto jacket, trench coat or puffer vest. Then the real fun can get started with statement jewelry, bag and shoe pieces.


Quality Designer Pieces

Most people lust over designer goods for their ability to emote nobility and a more luxurious way of life. Designer goods all for a sweet and successful 3D logo local Montreal designer? Sounds like a match made in design heaven.


These designer goods are often quality items that you should not wear every day, but instead keep tightly stored in your closet for when a special event does come up. A nice white or black pashmina that goes with everything, or a designer YSL handbag will do the trick. Other pieces, such as gladiator heels and chunky pumps that may soon enough turn into a fad should be kept to fast fashion stores.


Nonetheless, exceptions to this rule do exist. Katia recently bought a Rudsak leather and lightly fabricated cardigan that cinches at the waist with a leather band. While the item was a whopping $200, it’s well worth the investment since it is the perfect item to go with almost every item in her wardrobe. If you find that you’ll be wearing a specific item a lot, then taking the plunge for better quality is another direction to go towards.



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 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 Smart And Effective Options for the use of Net Working Capital

The net working capital (PSC) of an enterprise is the difference between current assets and current liabilities. It is also called operating, working capital, and in traditional terminology – the company’s own working capital (SOS). Let us have a look on what is net working capital and how it is calculated.

  • Net working capital can be calculated on the balance sheet in two ways: “from below” and “from above”.
  • When calculating from below, the PSC is part of the working capital that is covered by own funds and long-term liabilities.
  • PSC = current assets – short-term liabilities. (9.1)
  • When calculating from above, the PSC is the amount of long-term funds that remains to finance working capital.
  • PSC = permanent capital – non-current assets = (equity + long-term borrowed capital) – non-current assets

By the size of the PSC, you can judge whether the enterprise has enough permanent resources (own funds and long-term borrowings) to finance fixed assets (fixed assets), i.e. whether non-current assets are covered by such stable, reliable sources, which are the company’s own funds and long-term loans received by it.

  • PSC> 0. This means that the enterprise generates more permanent resources than is necessary to finance fixed assets. This surplus can serve to cover other needs of the enterprise. This situation is favorable for the enterprise. It is more reasonable to finance permanent assets with constant liabilities.
  • PSC <0. This means that the company does not have enough resources to finance non-current assets. The situation is unfavorable, but not catastrophic for the enterprise.

If large-scale investments in fixed assets have not yet paid off, then with a good project outlook, we can talk about a temporary shortage of SOS, which eventually disappears: – retained earnings will increase the capital of the enterprise. If the deficit of working capital is observed from year to year, then the situation is more risky.

  • Management of net working capital implies the optimization of its value, structure, values ​​of its components.

With regard to the value of PSC, it is usually reasonable to increase it, as a positive trend. However, there may be exceptions, for example, growth due to bad debtors is unlikely to satisfy the financial manager.