Hiring A Truck Freight Shipping Company For Your Move

Hiring A Truck Freight Shipping Company For Your Move

Moving into a new home can be exciting. The prospect of packing and physically moving all your stuff is not exciting though. It can be extremely overwhelming and costly. But if you can get a head start and plan ahead of time, the entire moving process can be fun and you will make it through this mammoth process unscathed.

Here are some handy tips to help you survive your next move, with fewer sleepless nights and obstacles along the way!

1. Declutter first

Moving is a great chance to get rid of stuff you no longer use. Donate items that you no longer need but are still in good condition. If the time of year permits, hold a yard sale.

2. Get organized earlyCreate a countdown list and itemize everything you need to accomplish week by week.

3. Compare shipping and mover quotes at Shiply – you should ideally book your moving company or truck freight shipping company 4-8 weeks in advance. Before officially hiring a shipping company or a mover, make sure you’ve received quotes from several companies and compare the rates. Shiply is an eco-friendly online shipping service platform that has 102,334 rated shipping companies. This is the best way to choose your mover and shipping company from reading the reviews and ratings from previous customers.

4. Find as many free boxes as possible before moving

Moving boxes aren’t cheap! A few months before you start to pack, seek out unwanted free boxes from various stores, friends and community groups. Not only is the process of finding free boxes easy, but it’s also a sure-fire way to save on moving expenses. Every small amount saved adds up to a big amount.

5. Label everything

Label all sides of the box but avoid the top. Try labeling each side in permanent marker so you can easily find what you need in a stack.

If you have a small family with fewer items to move or you’re simply a minimalist, you probably need a less than truckload freight shipping (LTL) over a full truckload (FT). Less than truckload freight shipping (LTL) is used for the transportation of small freight or when freight doesn’t require the use of an entire truck. The benefits of LTL is that it’s cheaper than a FT as you only pay for the portion of the truck space used. The rest of the cost is covered by the other occupants of the truck’s space.

If you have enough items to fill an entire truck or have many big, bulky or fragile items, you may wish to consider a whole truck dedicated to your belongings. With TL, shipments typically travel on only one truck with one destination, so delivery time estimates are often accurate and fast in comparison to LTL shipping.

While there are pros and cons to each method, one option will prove to better suit your needs depending on your items to be moved. When determining whether less than truckload shipping or full truckload is best for your shipping requirements, check Shiply to compare rates for truck freight shipping on both modes.

On Shiply, you simply have to enter a few simple details about your shipment and hundreds of rated shipping companies will send you quotes, often up to 75% cheaper than usual. Thus, you can compare quotes and get cheaper rates through Shiply and select the one that offers the best deals that meet your requirements.

Do You Need Commercial Insurance?

Do You Need Commercial Insurance?

It’s not always clear whether a business needs commercial insurance. However, without the right insurance, a business can suffer. This is because there might be times when you need to make a claim. For example, if your premises are flooded, vandalized, or your business is interrupted.

This article will help you to understand whether you need to take out commercial insurance and what the insurance could cover.

Owning Real Estate

If your business owns real estate or any property it can be beneficial to you if you have commercial insurance. This is because the insurance could offer your property in addition to your business equipment or products some protection.

You need to make sure that all of your property is protected. It does not matter how large or small the property is or how old it is. You need to make sure that you have the required insurance.

In addition to this, some mortgage providers also insist that you have this type of insurance. Some mortgage providers will not offer you a mortgage if you do not have commercial insurance. This is because you will be deemed too much of a risk.

If You Are Concerned About Liability

If you operate a business that can be prone to liability lawsuits, having commercial insurance can help to protect you. This is because some insurance policies come with separate liability insurance. This means you will have a bit more protection if you are involved in an industry that sees a lot of lawsuits.

Please note, not all insurance providers will offer you this option. This is why it makes sense for you to look for a provider that does. Knowing that you’re protected can ensure you can get on with the day-to-day running of your business. There is a real potential for you to lose thousands of dollars if a lawsuit does not run in your favor. This is why it makes sense for you to have insurance that pays out.

Business Interruption

If there is a chance that your business could be interrupted, you should take out commercial insurance. This is because there is always the potential for you to lose a lot of money. Let’s imagine that your business is flooded and you have to close it for the time being. Not only will you lose money but you will have to pay for all of the repairs.

Some insurance providers also offer business interruption insurance. This will ensure that you continue to receive a sum of money that should cover your business costs.

If you would like to run your business correctly, you need to make sure you have the right insurance. Please think about your real estate, whether you could be held liable by customers, or if you are covered if your business is interrupted. This will ensure you don’t have to pay to get yourself out of a mess. It will also keep you on the right side of mortgage companies and even the law.

What To Do If You’ve Had a Workplace Accident

What To Do If You’ve Had a Workplace Accident

Every year, workers all across America have an accident in the workplace. While some of the accidents only result in minor injuries, others can potentially result in life-changing injuries. However, it’s not always clear what you should do if you’ve been involved in a workplace accident. The good news is this article can help you.

Deal With Your Injuries First

One of the first things you need to do is get your injuries treated. You should do this before you do anything else. Once you have received the appropriate care on the day of your accident make sure that you get a copy of your medical notes. This is to ensure that you have evidence of your medical treatment.

Report The Accident

Once you have received medical treatment the next step is for you to report the accident. Report it to your employer within 24-48 hours if it’s possible. This will ensure your employer has a record of your accident.

Take Photographs

If you need to, take photographs of your injuries, and the area where you had the accident. Also, consider getting video evidence if you can. If you are unable to take photographs ask someone you trust to do this. This is so you can show the evidence to an injury lawyer.

If your injury is not too bad, you might be able to take photographs of your injuries before you receive medical treatment. However, this is only suitable if you are not bleeding or your injuries are not very serious.

Make a Note of Your Symptoms

Once you have received medical treatment you need to make a note of your symptoms. This is so you can show your lawyer and the court that you’re still suffering. Make a note every day and describe how bad your symptoms are. You don’t have to go into a lot of detail  you can simply write down your pain level out of 10. in addition to this, you will need to mention where the pain, for example, is and how it’s limiting you.

Take Action

If you haven’t done so already, take action. Hire a lawyer to represent you if you wish to make a claim. This will ensure that you’re much more likely to receive the compensation you’re entitled to. It will also tell your employer that you’re serious and this could cause them to make the workplace safer.

Document Your Losses

How much time have you had off work? How much money have you lost because you’ve not been working? How much have you spent traveling to your medical appointments? Document all of your losses so your injury lawyer can show the court. These notes will ensure you’re much more likely to receive compensation. Don’t forget to add any future losses if you need on-going treatment or you’re not going back to work any time soon. All of this will also help the court to take your injury case much more seriously.

5 Types of Dressers and When to Buy Them

5 Types of Dressers and When to Buy Them

The most common time for someone to purchase a new dresser is either when they move into a new bedroom or when they’re replacing old furniture. But the best part about replacing any item in your home (especially those that you use every day) is that it gives you a chance to rethink what you prefer and assess what direction you want your interior design to go.

When you order your dresser to be custom made, you’ll have even more options. Any of the following examples would look exquisite with a reclaimed wood furniture with vintage look as designed by an expert solid wood furniture crafting company. And, of course, it helps enormously to gain a better sense of what options are available and what benefits belong to each choice.

1) The Classic Tallboy (or Highboy)

There’s really no bad time to buy a tallboy dresser. That’s because they can fit well into almost any type of space. Where these items really come in handy, however, is when you have tall ceilings and little floor space to spare. This is a favourite among city dwellers, who live in small condos and apartments.

2) Lowboy or Commode

You might think that the lowboy is the exact opposite of the tallboy, but it’s really just height that provides the comparison. While both styles are often exceptionally ornate, the lowboy usually accommodates a detachable mirror and even a sitting area.

A lowboy is more like a chest of drawers combined with a dressing table. The lowboy contains small drawers that are sometimes used to house toiletries and often houses a decadent countertop, made of an elegant material like marble. In France, they are called a commode and through much of modern history were a status symbol.

3) Cabinets

Tallboys and lowboys do share the similarity that they both follow the “chest with drawers” model of design, albeit in varying shapes. A cabinet, however, is different from the chest with drawers model since it can accommodate a larger variety of shapes and designs. This means that cabinets often include a combination of drawers and wardrobe-style doors. If you’re looking for variety, then a cabinet may be right for you.

4) Wardrobe

The wardrobe is usually a tall style of dresser that includes two doors in front. Like the tallboy, This design maximizes your ability to store clothing while taking up as little precious floor space as possible. A wardrobe, however, will furnish your room with a more formal look and can work well with shelves, drawers, or even a space to hang clothing.

5) Classic Variations

The difference between each of these pieces can often be subtle. When you look over the history of furniture, it gets much more complicated than the basic items listed here because different locations and time periods apply different names and specific functions to slight variations. Some of these different possibilities include:

  • Lingerie Chest
  • Gentlemen’s Chest
  • Bachelor’s Dresser

No matter what item you settle upon for your home, however, the most important decision you can make it to ensure that your furniture is handcrafted out of solid hard wood. Look into a fine solid wood manufacturer today for more information on the many options available to you.

The lucrative hospitality jobs in UAE

The lucrative hospitality jobs in UAE

UAE is the current hotspot destination where one can look for to start their own dream career. There are thousands of professionals these days who fly down to UAE and build a lovely career ahead.

When one looks for latest jobs in UAE, there are actually jobs of different varieties and domains that are available there. Such as if one is looking for jobs in the hospitality domain they can actually get some best paid jobs in there if they know where to look for them with the right amount of sincerity and patience. One can always apply for jobs either as fresher or experienced candidates (depending on the number of years they have worked in a particular field). This can always boost up their international career.

Here are some great hospitality jobs that one can look for in UAE.

Event Manager

The UAE hotels are the greatest venues and a lot of wedding events, corporate meetings and other professional and personal occasions keep happening there, these hotels are not only convenient and luxurious but they also are full of comfort ability and other benefits. They also have some great event spaces and conference halls which are perfect for seminars and business meetings. So, if one applied for the job of an event manager then they will have to keep an eye on the entire event and all the necessities of the customers along with perfect arrangements of the venues. One has to co-ordinate an event really well with the other staffs and they must be able to come up with quick solutions when some problem arrives.

Executive Chef

As the name suggests, the place of the job is in the kitchen of any luxurious hotel. If one loves to cook and can cook varieties of dishes then they can apply for this job. Their major task is also to bring a brilliant cooking range in front of the serving table. Apart from that one also has to maintain the chef handles and also supervise the other important activities in the kitchen in this job profile. If one has managerial skills with chef qualities then they can always apply for these jobs.

Hotel Asset Manager

This is something which is not a very popular job profile for those who are applying for hospitality jobs. But they are very important as a part because they look after the hotel as a resource which mainly generated income. They need to make the maximum use of the resources so that they can maximize the revenue and in turn improves the performance of the hotel. But to apply for this role when it comes to job vacancies in UAE one must need a degree in Finance and a good amount of experience in the said field.

Apart from all these there are also plenty of other jobs that one can search for in UAE. One can take help of the online job portals in these cases and keep looking for a suitable job profile where they can apply.

Life insurance: Does my age matter?

Life insurance: Does my age matter?

Life insurance, one of the great gambles in life is whether or not to have it. When you think about the needs for life insurance at different stages of your life, it is easy to see why some would want to go without it, or be afraid they cannot get a policy.

Life insurance policies are based on many factors the biggest is age. Age plays a role in getting life insurance and there comes a time when you can no longer get an insurance policy.

Most insurance companies cut off policy’s at between 75 and 80 years of age. After age 50 it is still possible to buy a policy but the premiums are usually higher. The older we get, the more our bodies fail us, as a result many insurance companies ask for physicals or medical history. Insurers are in the business of insuring healthy people. They don’t want to risk having to pay out a $1,000,000.00 policy on a man or woman who could die at any time soon. That is the reason your premiums are so high after 50. The insurance company wants max out their profit on you and hope you don’t die before the policy term is up.

As to the other end of the generational spectrum the young should be insured from day one. Life insurance policies are based on age the younger you are, the cheaper the policy. Experts suggest that one should purchase a policy before 35 years of age and warn that waiting too long could have harsh economic ramifications. The average funeral costs between $7 and $10 thousand dollars and if you don’t have insurance, the Social Security Administration will give you $250 to help with funeral expenses (obviously that has not moved with inflation). Most 0-35 policies are relatively in expensive and most go without it due to several factors such as debt or being in good health.

It is still possible to get life insurance after age 70 but it will require a lot of work and the help of a skilled agent. Some of the options for people in the 70+ community are as follows.

Guaranteed Universal Life Insurance

Guaranteed United Life Insurance policies are a combo of term life and permanent life insurance. In essence this is insurance that lasts for as long as you live and even offers a death benefit. If you want to avoid a medical checkup, you can still buy such policies but the death benefits get capped in return.

Term life policies

Term life is a great idea for those who have no family and no outstanding debts it is a cost effective option for the elderly as it helps avoid unwanted or unneeded coverage.

Whole life policies

Whole life policies are a good option to purchase at a young age. If you feel you no longer need it when you get to your early 60’s you can always cash it in for a lump sum payment to help with your retirement.

Life insurance is possible to purchase at any age, but the price and paperwork increases as one ages. It is of little regard as to what age you purchase the insurance because it does not stop the premiums from climbing. When it comes to buying life insurance age should not be the only factor involved. One needs to think about the reasons they want insurance and assess the profitability of the money invested in the policy. Remember unless you are very lucky and have a whole life insurance policy you will never see a penny of what you paid into the policy if an emergency should arise.

Learning How to Appreciate the US Dollar on the World Exchange Market

Learning How to Appreciate the US Dollar on the World Exchange Market

When Visiting Another Country

If we remain at home and do not travel abroad, we can appreciate what it is like in other countries by looking at the pictures that our friends bring back from their visits to other countries. Not everyone can be a world traveler, but some have the resources to travel and share their experiences. This is the case with a travel journalist who spends their whole life traveling from country to country and taking pictures for others who may be interested in visiting.

Travel Journalist

Of course, tourism loves a travel journalist because people get a chance to see what the country is like before they visit, and this attracts visitors to the country. At some point, the tourist does travel outside the United States or other departure cities and travel to their destinations outside of their native countries. When they go to another country, they will need to exchange their currency with the currency of the country they are traveling in. Foreign exchanges are suitable for businesses who can receive their currency at the point of sale, and tourists can exchange foreign currency on their exit.

Use of Foreign Currencies

When we travel to another country, we are in the habit of using another country’s currency. If we go to Japan, we use the yen, but if we travel to Germany, we use the euro. Again if we travel to Iraq, we will receive dinar value for our US dollars. Many currencies are traded throughout the world. The value of these other currencies change to more or less equal to the US dollar, dependant upon the political and economic factors of the country.

Foreign Currencies Change in Value

While we may not notice the fluctuation in the value of the Chinese yen or the German marc, when we are in those countries, every country’s currency is in constant fluctuation. When we land in a country for vacation, we will trade our US dollars for the currency of that country we are vacationing. When we leave the country, we will again trade our British pound for the US dollar, which may have changed during our stay. Our British pound may have become less valuable to us during our vacation and, therefore, when we receive, we receive fewer US dollars. That is what is called the foreign exchange rate.

US Dollar and the Strength of Other Currencies

The US dollar is seen as probably the most robust dollar in foreign exchanges along with the British pound. A few reasons why there is strength in the US dollar is because of the strong economy and its GDP or Gross Domestic Product. Along with a stable democratic government and a capitalistic economy, it gives the US dollar a leading edge over other countries. Some countries may have a different form of government which causes it to be unstable, or they are at a time of unrest and political war within the state. When a country fails to produce products on a world market and few products are being traded with other countries, this will affect that countries value of its currency. The US dollar has a stable government and banking system, especially the Federal Reserve Bank which keeps the US dollar active in both economic growth or economic slumps in the economy.

Iraqi Dinar Against the US Dollar

Presently, the Iraqi dinar (IQD) is trading about 1166 to a US Dollar, which, according to foreign exchanges, is the lowest it has ever been. The IQD has a high value if it could get itself out of the slump that it fell into after the Iraqi War. The strong possibility of a revaluation of the IQD is reliable, but presently its major commodity is oil and oil is not trading well on the world market.

Oil Prices Could Change

Oil is selling at a lower price because there is a great emphasis on finding other kinds of natural fuels. Another problem with the revaluation of the IQD at present is the political unrest the country is experiencing. Finally, the IQD is not traded on some foreign exchanges because of its meager value, even though they trade almost all other foreign currencies. The potential for a revaluation of the IQD is still being held steady for the future. The reason for this revaluation is because of the possibility that oil prices will increase. If oil prices move from their present value to $100 per barrel, then Iraq would be very wealthy. Iraq has a reserve of 143 billion barrels of oil, and they are the fourth largest exporter of oil in the world. At present, this is outside of the hands of the local Iraqi government, and only the future will tell whether the IQD will receive a greater revaluation on the world foreign exchange.

Business Line of Credit: How it Works

Business Line of Credit: How it Works

A business line of credit is a facility where you can borrow money up to a certain limit from a financial institution. You then pay interest only on the amount actually borrowed. You can then draw and spend money as you wish as long as you don’t go over the credit limit. It works in a similar way to a credit card. It allows you to draw against a predetermined credit limit that can be used as you need it, as opposed to receiving a full-term loan at one time.

How It Works

Since it is a revolving line, you can draw against as necessary. It is mostly used for short-term capital for funding unexpected expenses or improving cash flow. A business line of credit also helps you borrow money again after repaying a draw, thus allowing you to fund your cash flow needs. It is a great way to access cash that you can put into your business at a moment’s notice. When you pay down your business line of credit, you increase the amount available to you in the future unlike a working term capital loan. Drawing funds from an already established credit line is usually the fastest way for your business to access capital funds for quick payments or unexpected events.

Purpose

Unlike term loans which are used for a specific purpose and are lump sums of money on which you pay interest until the entire amount is settled, credit lines allow you access the funds as many times as you need. They are preferable for short-term funding needs. A business line of credit gives you more flexibility and could save you money if you have a constant financing need. Besides, an open line of credit account is a great way to build your business creditworthiness and the products are essentially the best solutions for short-term needs.

Sources and Funding

A business line of credit can be obtained from conventional lenders such as banks, credit unions or online lenders. It is important to understand your goals for the line of credit you go for. When determining what type of line of credit is best for you, consider the following: the amount you require, how soon you need the funds, if you’ve met the minimum qualifications required and if the costs will fit your budget. Normally banks will have higher qualifications requirements and some form of collateral will be needed, as opposed to online lenders who are more flexible and will approve companies once they have been in business for more than a year. Once you’ve established these, find out what to use the business line of credit for as illustrated wholesale trade lines.

Use

A business lines of credit is not intended for big capital purchases but rather for short-term working capital, unexpected costs, unique purchasing opportunities or offering credit to your customers. If not for these uses, then you will be costing your business a lot of unnecessary money.

Conclusion

A business line of credit can be an affordable solution for emergency funding or short-term working capital. To get the best rates and terms, plan your application well, provided you are using national banks or online lenders.

How to Live in Luxury… Even on a Budget

How to Live in Luxury… Even on a Budget

Maybe you’ve been in this situation before: you feel like you deserve a lifestyle upgrade, either because you are overworked or you just need some luxury in your life, but the only issue is your income isn’t aligned with those aspirations. Conventional wisdom would say that you need to save up – demarcate certain luxury goals, like a vacation, new vehicle or fancy dinners, and start putting money toward them.

The only problem there is that you want to live in luxury now, not later when you have the money. Thankfully, there are a few easy ways to add a little luxury in your life without emptying your wallet. Consider these your hacks for living like a rich person while you earn a normal wage.

Lease Your Luxury Car

You may not be able to buy a Benz or a Bentley, but you may be able to lease one, especially if it’s used. Because leases only make you pay monthly for the cost of depreciation during the lease term, and because a car does a significant amount of its depreciating in the first couple years, you can find used luxury cars at industry-leading lease prices for low monthly payments.

Learn to Cook

When eating out at fancy restaurants, the vast majority of what you pay for is the service of the wait staff and the time and expertise of the chef. But if you learn to cook like a chef, you can eat restaurant-quality food, with fantastic ingredients, every night of the week. You’re probably saying, ‘that sounds too hard’, and no one can fault you for being sceptical, but there is a wealth of resources online – through YouTube tutorials, recipe and technique blogs and forums – that can help you fast track becoming a better cook.

Consider Product Testing

Get paid to get things. That sounds way too good to be true, but it is the exact job description of an at-home product tester. Through a product testing agency, you are given a number of different products to test that correspond to your demographic – could be electronics, could be games, could be beauty products. You use the products, review them, photograph them, and then (usually) you get to keep them. Plus, it pays a competitive rate and you can do it while you’re doing your other job. It really is a good hack for getting free stuff.

Join a Mistake Fare Finder

Need a vacation, but can’t justify spending an exorbitant amount on international flight? Luckily, every so often, airlines will post what is called a “mistake fare” – essentially, a fare they post in error that is far cheaper than the normal price. For instance, New York to Shanghai might be $1300 normally, but reduced to only $700. These fares are notoriously hard to find in the wild, but there are “mistake fare finders” that use computer programs to comb for low prices. You can sign up for mistake fare finders online, either through an email newsletter or by joining a Facebook group.

Who says you need to spend lavishly to live luxuriously? With a few clever hacks, you can live like a king on the pay of a pauper.

How to Get Your Whole Family on Board with Tackling Debt

How to Get Your Whole Family on Board with Tackling Debt

Source: Unsplash | Sabine Peters

Debt is an issue that affects the lives of many people in the U.S. Sometimes, problems related to debt are made much worse because family members aren’t all in agreement on what to do about it. Here’s how to get your whole family on board with tackling debt.

Helping Your Children Understand Student Loans

Student loan debt is more prevalent now than it has ever been before. While there are plans being thrown around about it potentially being wiped clean by certain presidential candidates, it’s not a good idea to bet on that idea.

There’s now more student loan debt than credit card debt. And while student loans are often considered to be one of the better forms of debt, as education can boost your employability, the payoff doesn’t always make up for the massive cost.

It’s important for families to understand what it means to have student loans. A lot of young people go off to school without thinking too much about their loans. Times were different for their parents. Plus, if everyone else is doing it, there must be a reason, right?

Families should come together to do some math and get a clearer picture of what it’s going to take to pay off that debt after graduation. Doing this might play a role in determining where you ultimately decide to go to school, and when. You can also come up with a plan for how it makes most sense to tackle this debt if it ends up seeming like the right choice.

Making a Full-Family Budget

Budgeting shouldn’t just be the responsibility of one person in every household. After all, everyone spends money. Shouldn’t everyone play a role in determining how it gets spent?

This doesn’t have to entail the kids getting to determine the candy budget for the month. But there are a few benefits to having everyone come together to build the family budget.

First, this can be a learning opportunity—for everyone. The children will get to see how to make a budget and why it’s important. The parents will get to see what kinds of things everyone is spending money on. And everyone can come together to decide what areas it might make sense to cut back a little.

Getting Your Spouse on the Same Page

It’s always a tough situation when you’re having a hard time getting a spouse to see the importance of reducing your debt. This is something that can drive a major divide in your relationship if not addressed and resolved the right way. This is why it’s so important to come up with a plan, together.

Married couples struggling with thousands in debt can consider utilizing a debt relief program. Looking at Freedom Debt Relief reviews shows they’re a highly reliable resource for this. Many enrollees who leave reviews even mention they decided to try settlement for their family’s benefit following an event like a spouse losing a job or unforeseen medical bills.

It’s always tough when one partner has incurred a significantly higher amount of debt than the other. If you’re the one with more debt, it’s best to address the situation as soon as possible and be open to solutions. When your partner is the one with more debt, it can make things more complicated. You should try to avoid making it seem like you’re putting all the blame on them. Do this by mentioning some of the errors you’ve made when it’s come to debt, too.

Another kind of spouse-debt scenario is when one partner has been hiding debt from the other one. This can have huge financial and relationship ramifications if not addressed in a timely manner. When you’re the one with the hidden debt, get it out in the open as soon as possible. You might think that you’re going to pay it off without them knowing, but this is much harder said than done. You’re also not going to address the root causes of that debt if you continue keeping it under wraps.

Try to establish a team mentality so your family can tackle debt together.

You’re not going to get out of debt if your family isn’t on the same page about it. Sitting everyone down to address any issues will bring you closer together and solve problems.