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5 Ways to Establish Credit

Your credit history allows lenders to have an insight into how responsible you are when it comes to managing your money. Your credit standing will ultimately determine how much you pay in interest and the types of loans that you have access to in the future. If you want to establish your credit, there are a few important steps to take.

1. Apply for a Secured Credit Card

Secured credit cards are ideal for those who don’t have credit and need to start somewhere. They are used for short-term use and require you to make a cash deposit before making different types of purchases. The cash is used as collateral and will allow you to begin building credit to ensure that you can move on to apply for an unsecured credit card, according to nerdwallet.com. Make the payments for several months before applying for a secured card.

2. Become an Authorized User on a Credit Card

Begin to establish credit by asking a spouse or a family member to become an authorized user on their credit card. You can have access to the card and will be able to build your credit without being legally responsible for repaying the charges. You can come to an agreement on the terms of your usage of the card and can agree to repay the money in full to the cardholder.

3. Request a Credit Limit Increase

According to experian.com, you can request a credit limit increase once you pay off some of the debt that you’ve acquired and decrease how much you utilize your credit cards. Shoot for less than 30 percent of credit card utilization to keep your credit card in good standing before you make the request. Avoid increasing your credit limit if you have a high balance, which can increase your risk of acquiring new debt.

4. Take Out an Auto Installment Loan

Applying for an auto loan will allow you to build credit while purchasing a new car and can significantly increase your credit score. Shop around for a good deal and review the terms carefully.

You can obtain an auto loan through the dealership or apply for one ahead of time through a bank or financial institution.

5. Establish Good Habits

Building credit will require you to establish good habits with managing the debt that you acquire. Make the payments on time or early and pay more than the required balance. You’ll also want to avoid closing any accounts, which can reduce the length of time that you’ve had credit history. Avoid opening too many credit cards and only make purchases that you can afford to repay quickly.

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How to Keep Your Portable Storage Unit Organized

It is important for you to keep everything inside of your portable storage unit organized. It will be a lot easier for you to find what you need if everything is in the right place. There are a number of things that you will need to do in order to organize your storage unit and keep it that away.

Pick the Right Storage Unit 

One of the keys to keeping your belongings organized is to pick the unit that best fits your needs. Keep in mind that it is better to have a unit that is too big rather than too small. You should make a list of everything that you will be putting inside of your storage unit. This will make it easier for you to select the storage unit that is right for you.

Label Everything

Labeling your storage items will make it easier for you to find them when you need them. It is best for you to use labels instead of writing directly on the boxes. Use a permanent black marker on your labels in order to prevent the words from fading.

Place Your Most-Used Items at the Front

There are few things that are more frustrating than looking for something and discovering that you are unable to find it. The items that you will need the most should be put at the front of your storage unit. You will also need to put your heaviest items at the bottom.

Clean out Your Storage Unit Regularly

You should treat your storage unit the same way that you would treat your home. It is important to sweep and clean out your storage unit regularly. It is a good idea to do this at least once a week. You will also need to clean out the storage unit after you have finished using it.

Prevent Mold and Mildew From Building Up

It is easy for mold and mildew to accumulate in an enclosed space like a portable storage unit. Mold and mildew can ruin your belongings, but there are some things that you can do in order to prevent this from happening. Do not put your items too close together. You may also want to consider using plastic bins instead of cardboard bins.

Mold is less likely to develop in a plastic bin. You may also want to add a moisture absorber to the bins. Both mold and mildew require moisture in order to grow.

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5 Things to Understand Before Giving Your First Business Presentation

Presentations are very important in the world of business. If you get your objectives succeed, you can open new doors for a promotion, a new job, or funding for your new business enterprise. On the contrary, you could leave with a lost reputation or a damaged opportunity if you fail. For you to go on stage and wing it, the stakes are often too high.

Most people or professionals, unfortunately, don’t understand how to prepare for a powerful presentation. They often lay much focus on the colorful PowerPoint slides, or memorize some facts to scare the audience rather than looking at the environment you will be carrying out the presentation. Before you commence your presentation outline, ask yourself about the following five questions.

1. Know your Audience
Never assume you have the answer to this fact as it is important. Pretend you are an entrepreneur with a new product, and a fried wants it presented to his company. While you may meet your friend and few company workers, you may end up meeting the company president. Each situation requires a unique approach with different formality levels.

2. Understand how Big the Audience may be

Knowing this will help you prepare effectively even if it is about the actual presentation than the documentation. You will need to be direct and concise with large audiences. Always keep their attention with eye contact and minimal interruptions. You will pace your presentation slowly with a small audience. A range is suitable if you don’t know the number of people you expect to meet.

3. The Presentation Location
This action will assist you to prepare well enough before the presentation day. Imagine you own a small prototype that you want the company to know. If you meet on a table, you can carry it for presentation. You will need a visually accessible medium if you are presenting it to a large audience. Knowing the location will allow you prepare your voice and understand the acoustics of the room.

4. The Materials Available for you
This is the basic part of the presentation process. If you have the presentation in PowerPoint, consider the use of a laptop or a flash disk. Will they have a microphone or will you need to project your voice? These are the questions that you will use to understand what is necessary and how to prepare for the presentation.

5. The Duration of your Speech
This is a problem that many people overlook. Don’t assume how long you need to speak. You could be the audience if you extend the duration of speech longer than expected. You may also look unprepared if you spend less time. Preparation is paramount.

When you are better prepared for your audience, you have high chances of performing better.

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4 Times When Using a Trusted Real Estate Agent Will Be Invaluable

Real estate is one of the most important industries in the entire economy. There are a lot of people who are excited about the changes that are taking place. Buying or selling a home can be a stressful process that people need help with. If you are ready to make a decision on a home, it is always a good idea to discuss your options with your real estate agent first. With those changes, you will be able to make a lot more money on the deal.

Making an Offer

One of the most exciting parts of the buying process is making an offer. With the real estate industry so hot right now, there are a lot of people who are desperate to find a home that meets their needs. Over time, it is important to find a home that is going to meet your needs in the coming years. A lot of people are paying way too much for homes right now. A real estate agent can help you make an appropriate offer based on local conditions.

Selling a Home

Selling a home is a huge hassle. When you go to sell a home, both the real estate agent and the seller want the home to go quickly. A real estate agent can give a lot of valuable advice on what areas to upgrade before you put it on the market. This can help your home stand out from others in the market. Not only that, but you may get more money out of it as well.

Advice on Financing

Few people have the finances to pay for a house with cash. Finding the right financing plan to meet your needs is important to make a good decision with your house. With all of the options today, it can be confusing to try and find the right financing plan that makes sense for your personal situation. These are all things that real estate agents can help with.

Local Investing

If you are interested in investing in real estate, a real estate agent is the perfect person to talk to about this process. They have more knowledge than anyone else in this process, and they can help you in a variety of ways with the right decision for you. With some of the changes that are starting to take place in various areas around the country, now is a great to try your hand at investing. Make sure you talk to them first about their thoughts on the local market.

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8 Ideas for Incorporating Marijuana in Your Everyday Activities

Marijuana has steadily been gaining in popularity and legality. While the users of decades past turned to rolling a joint or packing a bong to get their fix, today’s users have found a variety of creative ways to incorporate marijuana into their lives. From gardening to baking, the following eight activities show legitimate ways to integrate pot in your day-to-day life!

1. As a way to relax: historically, this is the most popular way to partake of pot. After a long day or week at work, lighting up is guaranteed to help you slow down, unwind, and take the edge off whatever is bothering you. Whether done on a daily or weekly basis, smoking with your friends is an easy and enjoyable way to spend a few hours.
2. Medicinally: marijuana is increasingly being viewed as legitimate medicine for a variety of ailments, from menstrual cramps to migraines to depression. If you are looking for a more natural way to treat your issues, with less side effects, medicinal pot is an excellent option.
3. As a sleep-aid: Many people use prescription sleeping pills. Why not try smoking some weed before you go to sleep? It can help you relax, as well as relieve anxiety, which will help you to drift off to dreamland in no time.
4. Baked goods: from brownies to peanut butter cookies, you can infuse baked goods with marijuana. Simply start with a good pot butter recipe, and bake to your heart’s content! Be careful to keep the “adult” baked goods safely stored away from your other baked goods.
5. Pre-made edibles: cannabis stores often sell pre-made chocolate bars, gummies, tea bags, and more. Edibles are easy to purchase and easy to ingest, especially if you do not have the time to make your own baked goods. Make sure that you are familiar with the consequence of an edible on your system if you plan on taking it often.
6. Cultivating plants: keen gardeners might be excited to try growing their own pot plants. Regulations vary from state to state for the cultivation of cannabis. In Oregon, for example, private citizens can grow up to four plants in their residence without fear of law enforcement.
7. As a motivator or reward: knowing that you can indulge after completing an especially onerous task can be motivational. It is easier to power through your to-do list if you know that there is a reward at the end of it.
8. To enhance your love life: Anecdotally, some users claim that pot helps heighten certain feelings and actions associated with your love life, increasing the enjoyment for all involved.

Marijuana is a multi-faceted and useful herb to improve and enrich your life. With so many different ways to use it, it is completely possible to integrate it into your life on a regular basis.

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4 Team Building Exercises to Bring a Diverse Workforce Together

Teamwork and camaraderie are important components of any thriving organization. Research suggests that promoting diversity and a team-oriented culture can drive innovation, spark creativity, reduce turnover, and improve employee morale.

However, engaging a diverse workforce can be harder than it looks. Everyone comes from a variety of backgrounds and interests, and finding common ground can be difficult. Here are four team building exercises that will challenge your diverse workforce to come together and learn from one another:

Personality Assessments
There are a ton of personality assessments available on the market. These products can be a fun tool for self-exploration, but can also be eye-opening when it comes to communication in the workplace. Participants will learn how to communicate more effectively and may discover new ways of interacting with their counterparts. Consider hiring a facilitator to complete this exercise with your group. The result is likely to surprise you.

Create Job Shadowing Opportunity
Often, employees will stay in their work bubble and fail to learn about other aspects of the organization. This can hinder progress and harm an employee’s ability to interact with other members of the organization. As a leader, consider sponsoring “job shadowing” days where employees can pair with another member of the organization and learn more about their work demands and habits. This exercise fosters respect which leads to an increase in the company’s overall view of “team”.

Design a Charity Challenge
Philanthropy is a huge part of most organizational goals, so why not use this as a platform for team building? You can sponsor a donation drive and ask employees to work in assigned teams to donate a set amount of items. You can make it a goal-oriented drive, or a competition between departments. Either way, this idea drives excitement and team building and also demonstrates a commitment to helping others.

Sponsor a Party
Another great way to encourage team building and camaraderie is through a fun party day at work. Employees appreciate the opportunity to mingle with their co-workers in a non-work environment. It helps them see the more playful side of their co-workers who may normally be business-oriented all day during work hours. It also shows appreciation for their hard work. Parties can range anywhere from a simple happy hour to more extravagant options like an on-site carnival or themed show.

These are just a few of the many ways you can foster teamwork and camaraderie with a diverse workforce. Team building takes time and planning, but the reward is well worth the effort.

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4 Ways to Close A Business Deal Through Negotiating

A lot of people want to be able to handle business deals properly. The problem with many individuals is that their people skills are poor. Closing business deals requires being good at people skills. In order to determine the people in your organization who are good at closing business deals requires a simple psychological test.

1. Know The Negotiating Personalities
There are some brains who have a knack for sales. There are many brains who are poor at it. The people who are great at closing business deals are extroverts. That means they have an outward push toward their environment, rather than letting their environment act on them. Introverts tend to let their environment act on them. The personalities that are excellent at closing business deals include the ENTP, ENFJ, ESFJ, and ESTP. All of these have a knack for people and they are excellent communicators. ENTP’s make great politicians. ENFJ’s are wise and kind kings who attract a big audience. ESFJ’s are friendly waiters who serve others tirelessly. ESTP’s are energetic adventurers who encourage people. Brains terrible at negotiating include the INTJ, ENTJ, INFP, ISTJ, ESTJ, ISTP, and ISFP.

2. How To Close The Deal
The most powerful tool for selling anything is listening. Most people want an audience to talk to. This is because most people are social extroverts. Being the person who listens makes you far more effective. The second most powerful tool for closing a business deal is compassion and compromise. Taking on the needs of others as your own is what makes your business far more interesting to the customer.

3. Have A Useful Product Or Service
Painting a trash can gold does not change the fact that it is a trash can. Customers are interested in your business if it is selling gold quality products and services. The more ignorant may still buy gold trash cans. However, practicing this activity is unethical and it hurts people immensely.

4. Reach Untapped Markets
Trying to be the last duck to the pond makes the pond crowded. The smart ducks look for new ponds. One way to find new ponds is to figure out what your competitors are afraid of. Try some of their fears, and you will see many new opportunities appearing.

Business negotiation is based on character and ethics. Properly following your customers makes them want to follow you. Refusing to follow your customers makes them unlikely to follow you. Your company will benefit as group listening skills and compassion for people increase.

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4 Uses for Adirondack Chairs Around Your Home

The Adirondack chair has a simple design that gives it a unique appearance. It is normally made of wood, but the advancement in man-made materials has allowed for this type of chair to be constructed from Polymers and other hard plastics as well. Each Adirondack chair has the look of wide flat boards, and it features a rounded straight back with an angled seat and wide armrests. Choosing this style of chair for your outdoor seating is an excellent idea. It is versatile as well as practical which allows you to use it in many different ways.

A Front Row Seat

Adirondack chairs are mainly used as outdoor seating. Anytime you want to relax by the pool or simply enjoy the scenery, these chairs work perfectly. They are designed in a way that blends in nicely with nature, and they won’t stand out against the background like many other metal framed or plastic lawn chair designs will. The Adirondack style tends to be more comfortable too. The angle and shape of the seat provides a relaxing place to enjoy one’s outdoor spaces.

Extra Dining Space

Adirondack chairs are ideal for use as an unconventional dining space. These chairs were originally found in cafes. The wide arm rests are perfect for supporting a filled plate or beverages. The unique design functions well in most backyard settings where additional space for a party is needed, and they are ideal for enjoying breakfast on a patio or deck.

A Reading Area

The comfortable shape of an Adirondack chair can best be appreciated as a reading chair. One’s elbows are perfectly supported by the wide arm rests, especially when reading a book that is awkward or heavy to hold. It also works nicely with e-readers and tablets. The high back supports the neck in a way that alleviates the normal tension when looking down at a book or magazine. An Adirondack chair can quickly become a favorite reading spot in the backyard.

A Lounge Chair

The shape and design of the Adirondack chair is ideal for lounging. Soft pillows can be used on the back rest to provide extra cushioning, and the sloped angle of the back as well as the seat cradle the body comfortably. The simple addition of an Adirondack footrest completes the lounging position. Whether using this chair for napping or simply to rest while watching the kids play, the Adirondack provides the perfect place to lounge.

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8 Essential Tips for Gym Newbies

If you’ve recently decided to make exercise a more integral component of your lifestyle, it’s time to hit the gym. To ensure that you can have substantive success in this workout setting, consider implementing some or all of the following essential tips:

1. Bring A Gym Bag.

Bringing your body to the gym isn’t enough. You’ll also want to carry a gym bag full of essential items like your water bottle and a towel. And as noted in US News, you should bring along shower shoes. This will help you avoid bacteria when you shower after working out.

2. Consider Hiring A Personal Trainer.

This strategy can be helpful no matter what level of fitness you are on. However, it can be particularly beneficial for newbies because personal trainers can check your form and thereby decrease your susceptibility to injury!

3. Start Small.

As noted in Calorie Secrets, trying to do big things in the gym too soon is a recipe for disaster. Specifically, starting out too big can result in injury. This is why you need to start small and gradually work your way up to more challenging exercises.

4. Take Breaks.

This is a great strategy for gym newbies because it can help prevent you from overly exerting yourself too soon. With this idea in mind, consider the value of going to get some water after every fifteen minutes of cardio!

5. Try To Make Friends.

This technique works because it will help you form a positive disposition towards going to the gym. If you know that you’re going to see friendly people whose company you enjoy, you’re more likely to go into the gym regularly!

6. Bring Your Water Bottle.

Getting dehydrated while working out can increase your risk of injury and fainting. This is why you want to have a water bottle on hand at all times!

7. Warm Up And Cool Down.

Warming up is important because it prepares the body for the more intense physical movement that is to come. Cooling down is important because it decreases the likelihood of soreness and back pain following the workout.

8. Do Something Different Regularly.

This tip is helpful for at least three reasons. First, doing something different prevents the boredom that may lead you to avoid working out. Second, regularly switching up your workout presents your body with ongoing challenges that will require you to exert more energy. The end result is that you will maximize the number of calories you burn. A third benefit of doing something different is that it can help you identify forms of activity that you like. For example, some people have taken up yoga only to find that they enjoy it twice as much as the physical activities they were formerly engaging in!

Don’t Delay: Start Implementing These Tips Today!

If you’re ready to start working out regularly, make sure that you implement the aforementioned eight tips when you hit the gym. Doing so will ensure that you get the most out of your new exercise habit!

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4 Qualities to Consider When Purchasing a Briefcase

Briefcases are a staple in the business community. They have been the preferred method for carrying important documents and materials for decades. With so many briefcase options however, it can be difficult to know where to begin. There are countless different styles, materials and price ranges. To help simplify this process, here are four qualities to consider when purchasing a briefcase.

1. Price

When searching for briefcases, many will realize the vast range of prices. More affordable briefcases can begin around $100 while more expensive ones exceed $1,000. The price of a briefcase is one of the first qualities to consider. Generally, it is recommended that those purchasing their first briefcase begin on the cheaper end of the spectrum. This ensures that nobody makes a significant purchase on a briefcase that they don’t end up using. Fortunately, a majority of the higher pricing is simply due to the exclusivity of upscale brands. Solid and stylish briefcases can still be purchased for an affordable price.

2. Durability

Whether someone invests in an expensive briefcase or not, durability is always an important factor to consider. No one wishes to have a briefcase fall apart after only a few months of use. In fact, briefcases should be able to last at least a few years of heavy use. The material from which the product is made will be one of the greatest determining factors of durability. Generally, leather is regarded as a strong and durable material. For those who do not want to use leather however, there are several other options as well.

3. Look

The look of a briefcase is one of the more superficial qualities to consider when making a purchase. However, when considered as a part of an individual’s overall presentation, the look of a briefcase becomes critical. Much of the trust and engagement generated in business relies heavily upon appearance. People may be more willing to work with an individual who takes care of their appearance. When considering a specific look for a briefcase, it is important to consider what kind of image a person wants to convey. It would behoove an individual to purchase a briefcase that most closely resembles that image.

4. Ergonomics

The most practical quality to consider when purchasing a briefcase is ergonomics. This term simply refers to the products design for efficiency. While price, durability and style are all valuable qualities to consider, the actual functionality of a briefcase is all that truly matters. Every buyer must consider their intended use for a briefcase and determine what design will fulfill their needs. For example, businessmen who require organization of many documents may require more individual pockets. This is the most pragmatic solution for purchasing the perfect briefcase.