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  • All You Need to Know About Equipment Loans

    All You Need to Know About Equipment Loans

    When you’re looking to purchase new equipment or tools for your business, it can seem like you have to spend tens of thousands of dollars to get your business up and running right away. The good news is that you don’t have to settle on this, as there are other ways of getting the equipment you need without spending too much upfront. Equipment loans are a great way of getting started in business with the equipment you need without breaking the bank!

    What Are Equipment Loans?

    Equipment loans are a type of asset-based lending. This means the lender is lending money based on the value of your assets, not your credit score. It’s worth noting that equipment loans don’t have collateral requirements like traditional loans, so they’re often more accessible than other types of financing.

    What Is an Equipment Lending Company?

    Equipment lending companies are corporations or organizations that typically lend out equipment for a small fee. The equipment ranges from heavy-duty construction vehicles to lawn care tools, and even recreational gear like fishing poles. If you need something that is expensive but only need it for a short period of time, an equipment loan may be your answer.

    What Types of Companies Can Give Me an Equipment Loan?

    Equipment loans can come from a number of different places, including banks, the federal government, or your own company. The type of loan you get will depend on the nature of your business and how much money you need. If you are borrowing less than $250,000 then you will likely receive an asset-based loan from either a bank or another business that specializes in this type of lending. Above this amount, your options widen and include government-backed loans as well as those offered by private lenders.

    Who Pays For My Lease Agreement, Insurance, Taxes, and Repairs?

    This is where most of the costs are covered by your leasing company or the person who lent you their equipment. If you are loaning out your equipment, it’s important to know that you will be responsible for all of these expenses. This is especially true if there is a mishap. Your insurance may not cover any of this.

    Final Thoughts

    If you don’t have the money for the upfront cost of equipment, an equipment loan might be what you need. This guide has helped you understand how they work and where to find one.

  • 2022 Harvest Review: Is This the Right Time Tracking Software for You?

    2022 Harvest Review: Is This the Right Time Tracking Software for You?

    It’s never too early to start planning out your time-tracking software needs. In fact, if you wait until the last minute, you might be in for some unwelcome surprises, such as the difficulty in switching from your old time tracking software to another one later on down the road. If you’re looking for an easy-to-use and comprehensive time-tracking software that offers all the features you need in order to optimize your business process, 2022 Harvest may be exactly what you need to get started! Let’s review all of its capabilities so you can decide if this is the right time-tracking software for you!

    If you are looking for a time-tracking tool

    The best time-tracking software will make it easy to track what you do and then give you reports that help identify trends in your work. There are many choices, but not all are created equal. If you’re looking for a new time-tracking tool, look no further than 2022 Harvest. It’s easy to use and gives you all of the information that you need to know about your work without any extra fuss or unnecessary steps.

    If you are looking for more advanced features

    2022 Harvest has a lot of great features that other time-tracking software doesn’t offer. Some of these include being able to record your screen, track your location, and add notes to tasks. If you’re looking for more advanced features like these, 2022 Harvest is a great option!

    If you want something simple

    If you’re looking for a really simple time-tracking solution, there’s nothing better than using a spreadsheet or just keeping track of your hours with pen and paper. The problem with these methods is that they don’t account for billable hours, which means you may end up working more hours than you get paid for. To avoid this, I would recommend either Harvest, Hours by Basecamp (a web-based app), or Any.do’s Tasks & Projects app. All three apps are great for managing projects and tasks, but if you want to keep things simple and on the go then I recommend using Hours by Basecamp since it syncs across all of your devices so it’ll always be right there in front of you when you need to use it!

  • 8 Quick and Easy Steps to Setting Up Your Own Weebly Store

    8 Quick and Easy Steps to Setting Up Your Own Weebly Store

    There’s no need to spend money on store designs or hire developers to set up your own store when you can have a fully-functional Weebly site up and running in minutes. In this post, I’ll walk you through the process of setting up your own Shopify clone using Weebly and teach you how to customize it as you see fit! It’s super easy and I’ll show you exactly what you need to do, step by step. Ready? Let’s get started!

    1. Pick a Niche

    It can be hard to find the right niche for your store. The best way is to pick something you are passionate about and that you know a lot about. If you are not sure what niche would be right for your store, we recommend using a tool like Google Trends or Keyword Planner. These tools will help you find out how much traffic certain keywords get, which will help determine what would be best for your store.

    2. Find a Domain Name

    After you have a domain name, you will need to purchase hosting for your website. You can purchase hosting from the same place where you purchased your domain name. The hosting provides space on the internet for your website. There are two types of hosting: shared hosting or dedicated hosting. Shared hosting is a service where many websites are hosted on one server and share bandwidth, whereas dedicated hosting is when one website is hosted on its own server.

    3. Sign Up For an Account

    If you’re not sure where to start, try signing up for a free weebly account. This will get you a site of your own so that you can customize the design and layout of the store. Once you’ve signed up, go ahead and create a new website.

    4. Design Your Store

    1. Make sure you have a domain name and an email address.
    2. Design your store with the Create A Website feature in Weebly.
    3. Upload images of your products or add text descriptions of what they are.
    4. Set up your payment settings to accept credit cards, PayPal, or Stripe if you need another option for accepting payments from customers who might not be able to use credit cards or PayPal (Stripe is the best option for international customers).

    5. Upload Product Images

    There are a few steps you need to take before your store is ready for prime time. First, you’ll want to upload images of your products so customers have an idea of what they’re buying.

    6. Write Descriptions for Each Product Section

    1. Create a new site on Weebly
    2. Upload your cover photo
    3. Add your blog title, tagline, and description
    4. Choose the layout for your site
    5. Click on Add pages in the left column to create your shop pages
    6. Fill in each page with pictures of what you have for sale (or drafts)

    7. List Products, Get Approval, and Start Marketing

    1) Create a free account on the Weebly website.

    2) Click on Build Now in the top-right corner of the screen.

    3) Choose a template from their pre-existing templates, which are all fully customizable.

  • 7 Best Customer Service Software for a Better Customer Experience in 2022

    7 Best Customer Service Software for a Better Customer Experience in 2022

    It is becoming increasingly important to have customer service software in order to handle the number of customers that you get daily, weekly, monthly, and so on. The best customer service software of 2022 should be easy to use, help you scale your business faster, help you organize your customer data better, and also provide you with better insights about your customers’ needs so that you can serve them better over time. In this article, we will cover the 7 best customer service software of 2022 in detail. We will also include a buying guide at the end that will help you make an informed decision when choosing between all these software.

    2018’s Most Innovative Customer Support Platforms

    Zendesk has found success by reinventing the customer service model. With its original AI-powered chatbot- and machine learning-driven software, Zendesk is successfully transforming the customer support experience. When these technologies are paired with the company’s philosophy of solving customers’ problems first, it becomes easy to see why Zendesk is continuing to lead innovation and digital transformation within the customer service industry.

    #1 Zendesk

    Zendesk is the most used customer service software on the market, with over 800,000 businesses and organizations worldwide trusting Zendesk to support their customers 24/7. Zendesk is one of the most user-friendly software on this list with features like integrations, analytics, automation and interactive agents make it easy to customize your customer service operations to your needs. Allowing you to simplify every step of your customer journey.

    #2 Freshdesk

    Freshdesk is the fastest, easiest way to provide great customer service. Freshdesk’s best features are the site-wide activity stream and the powerful suite of help desk tools that automate common customer-facing tasks. If you’re looking for something that saves time, costs less, and can manage multiple support channels without breaking a sweat, then it’s hard to beat Freshdesk.

    #3 HappyFox

    HappyFox is an all-in-one customer service software that includes live chat and 24/7 online chat. With 1,000s of clients who rave about the happy fox customer service software, this should be your number one choice.

    HappyFox has won 2 Emmy Awards!

    It will also offer these best features: CRM solution to understand your customers better and improve communication with them. You will have access to 24/7 support through the web or email. Contact us today to learn more!

    #4 Zoho Desk

    Zoho Desk is a scalable, easy-to-use customer service software. Some of the best features are free and paid versions of Zoho Assist for on-demand, live chat, phone and email help. Zoho Assist is billed by the minute and takes care of most customer needs at an affordable price point. Other advantages include integrations with many other software services like Salesforce, Google Hangouts, Gmail and Outlook that allow the support representative to continue their work without distraction while they’re assisting the customer.

    #5 SalesforceIQ

    SalesforceIQ is an enterprise-grade customer service solution. It seamlessly integrates with your company’s various systems and provides excellent features such as mapping of customer phone calls to product/issue, auto-assignment of issues to employees based on skillsets, integration with key social media sites like Facebook and Twitter, and more.

    #6 Salesforce Pardot

    Marketing automation software is an essential piece of your customer service strategy. It can help streamline the customer experience and increase customer acquisition, driving revenue and profitability.

    Salesforce Pardot gives you everything you need to communicate with prospects, convert leads, and make happy customers. All without leaving Gmail. Create emails tailored to different events or stages in the sales process, segment your list by certain criteria, and easily schedule recurring campaigns using Pardot’s drag-and-drop email builder tool.

    #7 Radian6

    Radian6 is a great customer service software program, and one of the best features it offers is threat intelligence. Radian6 uses data from social media sites like Facebook and Twitter to discover threats posed by customers or potential enemies. This will allow you to catch angry or frustrated customers before they have time to lodge complaints against your company. With all the data that companies now collect about their customers (see our #2 entry), Radian6 can help create more personalized customer experiences. It also helps protect employees with automated bots that notify them when people mention their company on social media.

  • 8 Amazing Employee Holiday Gift Ideas to Make Them Love Their Job Even More

    8 Amazing Employee Holiday Gift Ideas to Make Them Love Their Job Even More

    If you love your job, you’re in good company—only about 20% of employees in the United States say they dislike their jobs. While this number might sound low, it’s enough to make you wonder what you can do to make your employees love their jobs even more. One way to go about doing this? Holiday gifts! You don’t have to break the bank with extravagant items or spend hours scouring the web for the perfect gift, either; there are plenty of affordable and thoughtful presents that your employees will absolutely love! Here are eight great employee holiday gift ideas to get you started!

    1) A Dollar Store Gift

    Not only can it be difficult to find the perfect gift for your employees, but it can also be expensive. If you are looking for a budget-friendly option, consider giving them a gift card for their favorite store. This will not only give them the chance to buy something that they really want or need, but it will also show them that you care about their happiness.

    2) An IOU for a Cup of Coffee

    There are few things in life more satisfying than a good cup of coffee. If you’re looking for a meaningful gift for your employee, consider gifting them with an IOU for a cup of coffee. This way they can enjoy their favorite drink guilt-free and you’ll be able to see the appreciation in their eyes when they see it on their desk.

    3) Books

    1. The Happiness Advantage by Shawn Achor
    2. Man’s Search for Meaning by Viktor Frankl
    3. What Got You Here Won’t Get You There by Marshall Goldsmith
    4. The 7 Habits of Highly Effective People by Stephen R. Covey
    5. Lean In by Sheryl Sandberg

    4) Small Bites

    A custom coffee mug or water bottle: This is a great gift for any coffee or water drinker! The recipient will be able to take their drink with them everywhere they go, and feel proud of the company they work for. Plus, this gift will always remind them of you when they use it!

    5) Coffee Cards

    Coffee Cards are a great idea for employees that have helped you out this year. It’s a simple, yet thoughtful way of thanking them for all their hard work. With the holidays coming up, it can be tough to think of what to get your employees, but with Coffee Cards, you’ll always know what they like and need.

    On the back of each card is a list of local coffee shops that deliver iced or hot coffee, lattes, and more within minutes.

    6) A Box of Chocolates

    A box of chocolates is a great, thoughtful gift for any employee. You can find many delicious varieties in your local grocery store or order them online if you have time. You can choose from milk, dark, or white chocolate and a variety of different flavors. These are especially good because they last longer than most other gifts and are very affordable.

    7) Candy Canes and Hot Chocolate Mix

    A sweet gift for the employees who work hard all year long. Candy canes and hot chocolate mix can be put in a mug, or they can be wrapped in cellophane with a bow. You could also use it as an opportunity to make a homemade cocoa mix with your family and give each employee a jar of their own!

    8) Decorative Desk Organizers

    Desk organizers are a great employee holiday gift because they keep your desk and your mind organized. In addition to storing pens, paper clips, and other office supplies, they also provide you with a clear workspace so you can stay focused on the task at hand.

  • 7 Ways to Become Successful in Real Estate

    7 Ways to Become Successful in Real Estate

    Real estate investment may seem like an easy way to get rich quickly, but there’s actually a lot of research and effort involved in becoming successful at real estate investing. With so much competition out there, it’s difficult to stand out from the crowd and build a brand around yourself as someone who knows what they’re doing and can be trusted with other people’s money. Here are 7 ways to become successful in real estate

    1) Get Educated

    Before you start your real estate journey, it’s important that you’re educated on the basics of what the industry entails. There are a lot of different topics and details that you’ll need to know before you can become successful.

    2) Assess Your Goals

    The first step is assessing your goals. If you want to make money, then your goal should be profit. If you want a job and a steady paycheck, then your goal should be stability. If you want freedom, independence, and fulfillment, then this may not be the right career choice for you.

    3) Start Small

    Starting small is a great way to learn the ropes of real estate and how it works. It’s not necessary to buy a huge property right out of the gate. The key is figuring out what you’re passionate about and focusing your time and energy there. If you have an eye for design, then buying rundown properties that need some TLC might be just the ticket.

    4) Don’t Break the Bank

    Do you have a budget? It’s important to have a financial plan before you start investing in real estate. You don’t want to be outbid by someone with more money, so start saving now!

    5) Take Advantage of Education Programs  

    In order to become successful, you’ll have to learn about the industry that you’re pursuing. One of the best ways is to take advantage of education programs designed for beginners. Whether it’s going back to school or taking classes online, these courses will teach you the basics and provide a foundation for your success.

    6) Find a Mentor

    Finding a mentor is a great way to gain insight and perspective from someone who has been there before. In the real estate market, finding a mentor with experience in the industry can be an invaluable resource for your business.

    7) Stay Focused on Yourself and Your Goal

    The most important thing you can do is stay focused on yourself and your goal. The only way you are going to succeed is if you work hard and never give up. You need to be honest with yourself about what you want, and then find a way to make it happen.

  • Workers’ Compensation in Texas: Everything You Need to Know  

    Workers’ Compensation in Texas: Everything You Need to Know  

    If you’re looking to start or grow your business in Texas, you’ll want to be familiar with the state’s workers’ compensation laws, which are quite different from those of other states. Here’s everything you need to know about workers’ compensation in Texas, including what it covers, how much it costs, and the best way to find an affordable plan.

    (1) What is workers’ comp?

    Workers’ compensation is a type of insurance that employers typically purchase for their employees. In exchange for the insurance, the employer can avoid being sued if one of their workers gets injured on the job. Workers’ comp provides benefits like medical care, disability payments, and vocational rehabilitation to injured employees.

    (2) How does it work?

    In the state of Texas, workers’ compensation insurance is mandatory for all employers. This coverage provides financial protection for employees who are injured on the job. The premiums for this insurance are paid by the employer and not by the employee. There are no deductibles or co-pays associated with this type of insurance and there is no limit to how much coverage can be purchased.

    (3) Who pays for your benefits?

    Texas employers are required to provide workers’ compensation benefits for employees who suffer a work-related injury or illness. This coverage is paid for by the employer and is not deducted from the employee’s paycheck.

    The cost of workers’ compensation insurance varies depending on your company size and industry, but it typically ranges between 0.5% and 2% of your payroll.

    (4) What are the compensation rates?

    The workers’ compensation rates depend on the type of business, and their experience rating. The minimum rate is $250 per week, while the maximum rate is $900 per week. In general, the more risk-averse your business is, the higher your rate will be. So if you work as a cake decorator without any experience – sorry! Your rates are going to be lower than that of a structural steelworker with three years of experience.

    (5) Is it right for you?

    The short answer is no, Workers’ Compensation may not be right for you if any of the following apply:

    -You are self-employed and have no employees. -Your company has fewer than 5 employees. -You don’t make enough money from your business to justify the cost of workers’ compensation insurance.

    (6) How do you get help filing a claim?

    The most important thing is to file a claim as soon as possible. If you are an employee, your employer will help you file a claim. If you are self-employed or unemployed, you can file the form yourself by contacting the Department of Labor and Workforce Development at 1-800-252-7031 or online. An insurance company that provides

    may also be able to help with your claim filing.

    (7) Hiring an attorney is optional. Here are your options.

    Hiring an attorney is optional. Here are your options.

    1) File a claim with the state’s Department of Insurance.

    (8) If you win, can you keep all of your money?

    No. Workers’ compensation is a type of insurance, and insurance companies pay out according to the terms of the policy. If you win, the insurance company can ask for reimbursement for any payments that they have made on your behalf before your lawsuit was settled.

    (9) Should I hire my own doctor?

    You may be required by your employer or the state of Texas to have a doctor that is designated as your treating physician. Your employer or the state will likely provide you with this list of doctors and you can choose one who is best for you. However, you are not obligated to use this list of doctors.

    10 Things Employers Can Do To Prevent Injuries and Save Money On WCB Claims.

    1. Make sure employees are properly trained on safety equipment and procedures.

    2. Provide regular safety inspections of the work environment.

    3. Provide proper support for injured employees through rehabilitation and/or temporary disability payments so they can return to work as soon as possible.

    4. Investigate workplace accidents thoroughly with supervisors, co-workers, and the injured worker present to identify potential solutions or hazards that might have contributed to the accident.

  • The Top 8 Fireable Offenses: What Not to Do If You Want to Keep Your Job

    The Top 8 Fireable Offenses: What Not to Do If You Want to Keep Your Job

    We all make mistakes, but these particular ones can get you fired, and they’re especially bad because they’re pretty easy to avoid – with just some common sense and self-awareness. If you know what the top fireable offenses are, however, you can keep yourself from committing them, and increase your chances of keeping your job for a long time! Here are the top eight fireable offenses – don’t make any of these costly mistakes in your work life!

    1) Don’t be late, be fired

    Being late is a major fireable offense. Showing up late for work is disrespectful, as it implies that your job isn’t important enough for you to show up on time and do your best work. Being tardy also indicates that you’re not conscientious about meeting deadlines and responsibilities.

    2) Don’t do drugs

    Drugs are the most common fireable offense. Don’t get high at work and don’t smoke weed on the job. Even if it is legal in your state, it could be grounds for termination for being under the influence of drugs on company premises.

    3) Don’t steal

    Stealing is a major fireable offense. It is never okay to steal from your employer, even if you are not making much money. Stealing will always cost you your job and could lead to criminal charges.

    4) Don’t discriminate

    Discriminating against someone based on their gender, race, religion, age, disability or sexual orientation is one of the most serious offenses a manager can commit.

    Title IX protects employees from discrimination in education programs and activities receiving federal financial assistance. Employers are prohibited from discriminating on the basis of sex in any educational program or activity that receives federal funding. Title VII also prohibits discrimination against employees for all other discriminatory actions not covered by Title IX.

    5) Don’t abuse

    There are many things you can do that could be considered abuse at work. Here are the top five don’ts to make sure your boss doesn’t see you as a problem employee.

    1) Don’t yell or swear when speaking with customers, coworkers, or your boss.

    2) Don’t speak poorly about others in front of others.

    3) Don’t sit at your desk and talk on the phone during work hours.

    6) Don’t threaten a co-worker

    Threatening a co-worker is not only a terrible idea, but it’s also illegal. It can range from threats of violence or physical harm to threats of emotional distress or professional retaliation. Threats can be explicit or implied, and they’re always taken very seriously by employers.

    7) Don’t be lazy

    Being lazy is a no-no if you want to keep your job. Lazy employees do not get the same level of respect as hard-working ones and often find themselves getting passed over for promotion or even fired for their lack of effort. The following list highlights some other fireable offenses in order to help you stay out of trouble at work.

    Poor Attitude – Having a bad attitude is never attractive, especially on the job.

    8) Don’t get caught with your pants down (literally)

    It’s a universally known fact that men are visual creatures, and when it comes to their jobs, they have the right not to be subjected to nudity at work. It’s one thing if you’re in a creative field such as modeling or acting, but it’s an entirely different story if you’re an accountant or data entry clerk. This is especially true if there are minors present.

  • The 4 Best Commercial Bridge Loan Providers for a Successful 2022

    The 4 Best Commercial Bridge Loan Providers for a Successful 2022

    If your business has outgrown its current loan, and you need money to upgrade or expand, you may be considering applying for a commercial bridge loan. But where do you start? The good news is that there are plenty of commercial bridge loan providers ready and waiting to work with you on your venture, provided you meet the requirements they’ve outlined on their website. That’s why we’ve compiled a list of four of the best commercial bridge loan providers for 2022. If you want to see if one of them will work with your project, click any of the links below.

    1) The 3 Types of Finance

    Before choosing a commercial bridge loan provider, it is important to understand the different types of financing they offer. These include equity capital, debt capital, and convertible debt. Each type has its own advantages and disadvantages that should be considered when deciding how to fund your business.

    Evaluating Your Situation (four sentences)

    Choosing the right commercial bridge loan provider depends on many factors such as your industry, credit rating, and your business’s stage in development.

    2) 10 Lenders to Consider

    1. Novator Financial
    2. SunTrust Bank
    3. Wells Fargo
    4. Fifth Third Bank
    5. Commerce Bank
    6. Huntington National Bank
    7. OneWest Bank
    8. TCF National bank
    9. ING Direct
    10. TD Bank

    3) Common Features Of A Good Lender

    Borrowers typically look for lenders with competitive pricing, strong credit, and flexible terms. The commercial bridge loan providers listed below all have these features and more. Partner Capital offers to finance up to $2 million to small businesses in any industry and they’ll take as little as two weeks to review your application. Orchard Bank provides loans up to $1 million, which can be approved within five days or less if you meet certain criteria (it can take longer depending on your credit score). Pennington Bank offers bridge loans up to $750K and it only takes 24 hours for them to review an application.

    4) Repayment Options

    One key to finding the best commercial bridge loan provider is considering your repayment options. The repayment term is also known as maturity and it can be anywhere from one month to 60 months. In addition, some providers will allow you to repay early without any penalties while others will charge an early payment fee. You should also consider whether or not your loan has a balloon payment or an amortization schedule.