Advice on Purchasing Your New Home

    2009 is a new year and we are starting to see marked improvement in the Atlanta home sale market. If you are considering purchasing a home, there will never be a better homes atlanta Rates are low and there are great values in homes in Atlanta and surrounding areas. As you begin your home buying adventure, let me offer some advice to make this process a pleasant and rewarding experience.

    A home purchase is possibly the largest financial transaction to date, so it is important to make good decisions and to be well informed. Your Real Estate Agent and your Loan Officer will be valuable assets to you as you begin to research the area. Whether you are looking at Atlanta new homes for sale or you are looking at the Atlanta home sale market, in general, surround yourself with knowledgeable, helpful real estate and mortgage professionals. They are the keys that will make this a happy, memorable event in your life. Your Real Estate Agent and your Loan Officer will work together to help you buy the home of your dreams.

    Where do you begin? Your first step is to meet with a reputable, knowledgeable Loan Officer for your pre-qualification. Your Loan Officer will help you find the best loan program to meet your personal situation and needs. Once your pre-qualification is complete, you will meet with your Real Estate Agent and starting looking for the home of your dreams in the Atlanta home sale market. With your pre-qualification letter in hand, your Real Estate Agent can negotiate the best deal for you. Work closely with your winning Realtor/Loan Officer team and you will be celebrating the purchase of your new home before you know it. In the Atlanta home sale market, there are many beautiful homes for you to choose from so start looking for an Atlanta new home today. Ask your friends to refer a Loan Officer or realtor they were happy doing business with.

    Good Luck in your search and enjoy your new home!

    Mike Stieber

    Banks Have a Lot of Reasons to Reject Your Small Business Loan

    For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks seem to be one of their options on most occasions. What these owners might Sterbegeldversicherung not realize is that banks have recently developed a reputation for rejecting small business loans. It seems that banks are more interested in financing large businesses due to their benefits. A bank can come up with a variety of reasons to reject loan approval for a small business. Some of the common reasons are as under:

    Reasons for Banks to Reject Your Small Business Loan

    Credit History

    One of the barriers between you and the business loan is credit history. When you go to a bank, they look at your personal as well as business credit reports. Some people are under the impression that their personal credit does not affect their business loans. But that’s not always the case. A majority of banks look into both the types of credits. One of the aspects of credit that matter a lot to the banks is credit history. The length of your credit history can affect your loan approval negatively or positively.

    The more information banks have at hand to assess your business’ creditworthiness, the easier it is for them to forward you the loan. However, if your business is new and your credit history is short, banks will be unwilling to forward you the desired loan.

    Risky Business

    You must be aware of the term high-risk business. In fact, lending institutions have created an entire industry for high-risk businesses to help them with loans, credit card payments, etc. A bank can look at a lot of factors to evaluate your business as a high-risk business. Perhaps you belong to an industry that is high-risk per se. Examples of such businesses are companies selling marijuana-based products, online gambling platforms, and casinos, dating services, blockchain-based services, etc. It is imperative to understand that your business’ activities can also make it a high-risk business.

    For example, your business might not be a high-risk business per se, but perhaps you have received too many charge-backs on your shipped orders from your customers. In that case, the bank will see you as a risky investment and might eventually reject your loan application.

    Cash Flow

    As stated earlier, your credit history matters a lot when a bank is to approve your loan request. While having a short credit history increases your chances of rejection, a long credit history isn’t always a savior too. Any financial incidents on your credit history that do not favor your business can force the bank to reject your application. One of the most important considerations is the cash flow of your business. When you have cash flow issues, you are at risk of receiving a “no” from the bank for your loan.

    Your cash flow is a measure for the bank to know how easily you return the loan. If you are tight on cash flow, how will you manage the repayments? However, cash flow is one of the controllable factors for you. Find ways to increase your revenues and lower your expenses. Once you have the right balance, you can approach the bank for a loan.

    The Debt

    A mistake that small business owners often make is trying out too many places for loans. They will avoid going to the bank first but get loans from several other sources in the meantime. Once you have obtained your business funding from other sources, it makes sense to return it in time. Approaching the bank when you already have a lot of debt to pay is not advisable at all. Do keep in mind that the debt you or your business owes affects your credit score as well. In short, the bank does not even have to investigate to know your debt. An overview of your credit report can tell the story.

    The Preparation

    Sometimes, your business is doing fine, and your credit score is in good shape as well. However, what’s missing is a solid business plan and proper preparation for loan approval. If you haven’t already figured out, banks require you to present a lot of documents with your loan approval request. Here are only some of the documents you will have to present to the bank to get approval for your loan.

    • Income tax returns
    • Existing loan documents
    • Personal financial documents
    • Affiliations and ownership
    • Business lease documents
    • Financial statements of the business

    You have to be exceptionally careful when these documents and presenting them to the bank. Any discrepancies can result in loan rejection.

    Concentration of Customers

    This one might come as a surprise to some, but a lot of banks consider this aspect of your business seriously. You must not forget that loans are banks’ investments. Businesses that approach the banks are their vehicles to multiply their money in the form of interest. If the bank senses that your business does not have the potential to expand, it can reject your loan request. Think of a mom and pop shop in a small town with a small population. If it only serves the people of that town and has no potential to grow further, a rejection is imminent.

    In this particular case, even if the business has considerable profit margins, it relies on its regular customers for that. The bank might see it as a returnable loan but not as an investment opportunity.


    End-Of-Year Individual Tax List

    CPAs, just like many service experts, charge an hourly rate. You can help cut down on how much time your CPA needs to spend on your taxes by doing a lot of the prep work individual taxes yourself. For example, it’s going to take much longer for a CPA to sort through a box stuffed with slips of paper than a tidy spreadsheet of expense breakdowns complete with scanned receipts in case of an audit.

    What you can and should do depends on your tax situation. Are you a freelancer and do you have just one full-time employer? Are you a small business owner? Do you have a penchant for donating a lot to charity?

    As your tax situation gets more complicated, or as your income rises, your tax prep work will become a little more complex, too. However, here’s your cheat sheet checklist to take care of before the New Year. Your CPA (and your bank account!) will thank you for getting this done early.

      • Organize, organize, organize. Ideally, you’ve been doing this all year, but if you dropped the ball, then right now is the time to pick it back up. There’s not one system that’s right for everyone, but you should find one that works for you. Maybe you like QuickBooks, Excel or another software system. Ensure all your invoices are in one easy-to-navigate system. Break down expenses into business travel, office expenses, quarterly tax payments, payroll, business transportation and any other key payments you make.
      • Schedule a CPA appointment now. If you wait until the first of April (or even March!) to schedule a meeting with your CPA, you might not be able to get an appointment, or you might feel rushed. If you’re organized, you can meet with your CPA in January and be one of his or her first clients. If you don’t have an established CPA, you can’t wait any longer – it’s last call to get on their books for 2015 returns.
      • Reconcile your accounts. Your bank’s records need to match your own for every single transaction (yes, even that coffee that counted as breakfast when you were at that overseas conference). This is especially important for freelancers and small business owners, but also for anyone who travels for business.
      • Compare quarterly tax statements. If you’re one of the many Americans who makes quarterly tax payments, it’s judgment day. Check what your payments were and double-check to see if that’s what they should’ve been. You should have a solid idea of your revenue for the year, which means you can calculate how much you’ll owe the IRS. There’s one more quarterly tax payment due for 2015 (which is in January 2016) and you want to try to break even. If necessary, you may need to adjust your holiday budget to make that last payment.
    • Get a head start on W9s. If you pay contractors or subcontractors more than $600 per year, they need to provide a W9 before starting work. However, if they never filled one out, you can try to get a retroactive document in place. Your CPA will need them in order to send out 1099s. Otherwise, you can’t write off their payroll and they won’t have an effective way to alert the IRS about their work.

    The best way to get and stay organized is to work with a CPA throughout the year. Remember: They’re not just lifesavers come April • a great CPA can help you maximize profits year-round.

    Jen Stott is a writer and blogger, and works as the Content Director at Be Locally SEO in Salt Lake City, Utah.


    Rival Deep Fryers – Why It’s the Best Electric Deep Fryer You Can Buy

    Wise consumers always look for kitchen appliances that have the right features at the right price. Rival deep fryers are such appliances. If you want an electric deep fryer that’s safe, cooks delicious food every time and is effortless to use, then you may have found what you’re looking for.

    There are a few models to choose from: the Rival cool touch deep fryer CZF630 has a 1700 watt immersion heating element, which ensures quicker preheat, buy vaporizers online faster oil recovery and crispier food. No matter what brand you eventually buy, you should buy one that has a minimum of 16oo watts.

    The appliance itself has good safety features such as, an automatic shut-off and signal bell and breakaway cord. Cleaning it is easy is as all parts are removable, including bowl and housing. The adjustable thermostat has a 30 minute timer. There’s a window in the lid so you can monitor your food as it cooks. There is also a power indicator. Lifting up the basket when cooking is done by the button control; you also can drain the fried food in the basket so you do not need to use paper towel. This deep fryer is dishwasher safe as the parts can be taken out. This fryer is a perfect family choice; it’s convenient and home safe.

    The Rival cool touch deep fryer has received good reviews from those who bought it. Among the things they liked were; the 3 liter oil reservoir that easily heats up in just 10 or 12 min. The reservoir and basket are big enough to fry crispy fried chicken and French fries. The temperature element is a single piece with electronically based controls.

    Everyone wants to fry food to a perfect golden brown, and Rival CZF530 deep fryer will certainly do this for you. Its housing is truly cool to the touch to ensure safety. If there is anything to say against it, it would be that it’s a little bit large. However, other features of make up for this. It has a magnetic safety plug, an oil vapor that locks in the odor, and the hinged lid can be closed before lowering food into oil. Excess oil is easily drained back to the reservoir. There is an easy to use control panel mounted on the front. You lift out the food from the oil without having to open the lid. The basket mesh is also vey fine, which certainly helps bits ending up on the bottom of the pot.

    No matter which brand you eventually buy, you should read as many reviews as you can. Find out, not just price, but what features you get and for how much. Without doubt Rival deep fryers are among the best on the market for the domestic kitchen.


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    How To Hire An Online Marketing Consultant

    Working with a digital marketing consultant for the first time can be a challenge due to the various factors that you need to consider. Will they understand your business or products? How will they work with you and your team? Will they deliver on what they promise and will they be affordable?

    These are all important questions that you will be seeking answers for and by doing some due diligence, you are sure to find the right person for your business.

    Here are 9 points you should consider as you look to hire a digital marketing consultant:

    1. What is their experience?

    There are different types of online marketing consultants working in different sectors and you need to be sure the person you hire has experience within your industry. For example, a B2B marketer will have different skills and experience from one that is in the consumer retail sector.

    So, this is an important point to consider and you should ensure that they understand the nature of your business, industry trends and what your goals are.

    2. Who have they worked with in the past?

    Ask for references from past clients and check out the full list of clients they’ve worked for. This should give you a clue of their experience because if they have worked with similar businesses then you are at an advantage.

    3. Which sectors have they worked in?

    Some sectors overlap and an online marketing consultant that has worked within the B2B services sector will likely bring valuable skills to the consumer services sector. That’s because many of the issues around the nature of services like their being intangible and being consumed at the time they are produced are very similar.

    4. Are they a freelancer or agency marketer?

    With the growth in Internet access around the world and fast connection speeds, it has become much easier to work with clients and partners who are across the world. So an SEO freelancer in India for example is able to offer the same or an even better service than a local marketer.

    This has also been helped by freelance websites such as People Per Hour and Elance that have thousands of registered marketers who offer a great service. Also, the rating and review systems on these sites make it easier to choose a freelancer that has the skills you require.

    The other two options include employing a digital marketer or hiring an agency that has a wide range of skills and a team of experts that can help in creating online campaigns, digital copywriting, email marketing, social media and more.

    5. Where are they based?

    If you decide to work with a freelancer, it’s a benefit if you can meet up face-to-face to discuss strategy. That way you will build a stronger relationship and it will ensure that you are both on the same page as regarding plans for your business.

    6. What qualifications do they hold?

    A degree or diploma in marketing is a good start, however it is not essential especially in the online world where experience and technical skills are more important. However, it’s important to have the fundamental marketing skills of market research, customer and competitor analysis strategy and other skills which are taught at colleges and universities.

    7. Do they have online reviews?

    If you plan to work with a freelancer or agency, then it’s likely that they have reviews for work they’ve carried out in the past. Check out these reviews to see what other clients have to say about their skills, work ethic, experience, response times and so on. Also, if you can get references from past clients that would be extra helpful to you as you make your decision.

    8. What do they charge for their services?

    Hiring a consultant should be affordable for your business and no matter how excellent they are, if you cannot meet their costs then it’s better to look elsewhere. Freelancers are available at affordable rates on sites like Elance, however these sites are more suited for one-off projects and tasks.

    9. Are they published or an author?

    This one is not as important as the other points because there are many marketing experts that have not published articles or a book. Of course a marketing practitioner that is recognised as an expert and is published is a bonus over one that is not, because they will have demonstrated deep knowledge in their field and be respected too.

    What Are The Top Reasons When One Can Try A Hand In Satta bajar?

    There can be hundreds of leading reasons why people are often interested in online gambling games. But we have listed down a few important aspects to consider to answer the most satta king awaited query of knowing the reasons behind playing an illegal game, Black Satta, in India.

    This blog does not aim to invite you to play these games. But if you are interested ever, you should also keep a healthy reminder that you can be in serious trouble if you are ever caught playing the same.

    Apart from that, here are the top reasons you can be playing a great hand at the top Satta Bazar games that can be your next favorite time pass of the day:

    1.    When you have good contacts and financial background

    If you are really interested in playing Satta like Gali Satta online, then you must have a good financial background or at least a little bit of funding. If this funding is lost through the bets you make, then it should not affect your financial condition at any cost.

    Moreover, as there is a lot of risks involved with you playing the online Satta games for the first few times, or when your agent goes missing in action, then to back you up, there must be a good number of a contact in your list to help you out of the mess, which you might have created while playing these games online pretty often.

    Together your strong and trusted contacts, and enough financial funding for this kind of risk can make your journey for the online gambling games like these, fun, exciting, and time passable.

    2.    When you know that you can play gambling at your best

    If you know that you can be a great gambler, then you can definitely try your luck out online through the Satta King online or Satta charts that are available as of now. This is also possible for those who have played gambling games, which could be Satta for the random numbers, or anything similar.

    We are suggesting that because if you have already played Satta somewhere before, then you are familiar with the mindset of a bettor. Thus, the online gaming for betting your money will be easier, more fun, and less cumbersome for you to understand.

    3.    When you would not cry about losing each time you place a bet

    If you believe that you will not end up wallowing or crying about the losses on the online Satta number games, then you should definitely try them out, especially when you are in the lockdown, having nothing else in mind to do, except the regular work from home.

    This could be your party night or a great event of the day whenever you are at home and have nothing else to do. But your mind should also be strong enough to take the loss. If you cannot digest the feeling of losing money on the games that are based highly on chance, then you should not play it.

    Though, if you are mad over winning the games on chance, like spin the wheel, rummy, and so much more, then this Desawar Satta game is one of the prime examples for you to explore and not be bored.

    4.    When you can keep the gaming schedule private

    While playing gambling, we have earlier mentioned, you have to keep a promise to yourself that you will not disclose this to anyone in your knowledge. If the word leaks out, then you can be in serious trouble.

    Thus, if you have that secrecy bone in you and you are confident that you will not spoil the fun for the entire community of the bettors as well, then you can surely play this game whenever you are in a mood or want to check if you can win some quick cash on a particular day.

    But this depends on your secrecy. You have to make sure that you are not disclosing your details or the game details to anyone. If someone gets to know about this information, he or she might complain it to the police or the admins, and then the entire gaming platform might also have to suffer along with you

    5.    When you can take the risk of playing illegal games online

    This is strongly linked with the point mentioned above. We are constantly reminding our users that gambling is not for everyone. For playing a gambling game, be it Gali Satta or something else, you have to know the risks behind the same.

    If you follow the rules of the game and keep yourself under the radar, then you can easily place bets on the random numbers on the Satta chart. Basically, all you have to do is beware of the government rules in the nation regarding gambling and see how you are breaking the rules or not, and then continue to disguise your identity while placing the bets.

    6.    When you can trust the agent of a Satta King Online game

    This strongly depends on the source and the contacts that you already have. If you know someone whom you trust to introduce you to the betting games agent, then it is a great deal to crack.

    However, you should not trust anyone blindly. Though, it’s a good thing that you have a strong source for contacting the agent online. Otherwise, you can know more about the authentic agents for the Satta King online through the official websites which you log onto for the latest updates about the numbers that are drawn or the games that are live as of now.

    7.    When you want to trust trying your luck very minimum rates

    If you want to play gambling with a minimum investment amount, then the Satta King is a great choice. Here, you can start your bet simply from Rs. 10 or only Rs. 100. This bet can also be of Rs. 1000 and more. For that, your financial capability should be robust, so that it allows you to spend money on such a lucky draw number game, depending solely on the probability of the number to be drawn.

    Virtual Casino Gambling

    You might be wondering how virtual casino gambling started and how or why this virtual gambling phenomenon has grown so rapidly.

    Take a quick look into history of gambling and you’ll discover why virtual casino gambling was the next kacaqq logical step and why virtual casino games are set to become even more popular than they already are.

    Virtual casino gambling has only existed for a relatively short time, when considering that real casinos have existed for around two thousand years; they have come a long way from ancient Egypt to the glamour of Las Vegas .

    Casino gambling has continued to grow and evolve as its popularity increases.

    Virtual casino gambling has brought the excitement of real casinos directly into your living room. Virtual gambling offers increased convenience, so now you don’t need to deal with the crowds found in real casinos and your favourite seat will never be taken.

    Virtual casino gambling offers better security.

    The virtual casino gambling is always available to you, so time is never an issue when you a virtual gambler. The privacy of online gambling offers increased security and peace of mind too.

    Virtual casino gambling offers many different types of virtual games which players may not necessarily have seen at a real casino.

    The choice of online gambling games available is incredible. Online Poker, blackjack, roulettes or online sports gambling, online casinos offer them all. You can choose your table, the limits you desire and play the optimum game for you.

    You could even choose to allow the virtual casino gambling software to play for you while you watch, which means you don’t need to repeatedly press spin or bet.

    Virtual casino gambling is an increasing phenomenon.

    As the internet continues to become an increasing factor in our daily lives, virtual gambling products and services will also continue to grow. In truth the virtual casino is as real as any you’ll find in the major cities. With virtual casino gambling you’ll have access to every kind of online game available and you get to wager real money, in turn winning real cash…

    Read more: Virtual Casino Gambling

    Chen Ching-feng is a successful writer and online gambling expert providing valuable tips and advice for those interested in gambling and online gambling strategies.

    Free Casino Bonus Credits and Its Essential Rules

    Online casino games have been drawing huge crowd and one of the main reasons behind it is the bonuses that the games offer to a player online.คาสิโนออนไลน์ เครดิตฟรี Free casino bonus credits are offered to a player from time to time. It is given to a gambler for a number of reasons; may be as an incentive to switch over to playing at real casinos.

    Apart from that, this type of credits also helps in drawing new players to the online gambling sites. However, a number of rules are there to getting them. Therefore, it is very important for a player to understand them properly. There are some online casino sites that provide a bonus amount of up to 100.

    As soon as a player will sign up with that site, 100 credits will be deposited in his casino account. It may so happen that the player can be asked to deposit an equal sum of money for being one of the conditions of getting the casino bonus credits. After the account opens and the money is transferred, a gambler can start of playing the game.

    Other than the above requirement, the players can be asked to wager the whole free casino bonus, which was offered to them before they go ahead to take out money from the online casino account of theirs. This amount of money is needed to be wagered before any withdrawal takes place.

    This was so far about opening an account with an online casino gaming site and getting the bonus amount. There is another way where the players after introducing new players through referral program can earn their credit money. It functions in the same way as above.

    What the player has to make sure over here is that the referral is entered before the other signs up and opens an account. This is to affirm that the player making the referral will be getting casino bonus credits that he is entitled to. Getting them is surely a matter of extreme fun and excitement.

    There are several online casino games available online, which include craps, slots, video poker, roulette, blackjack, etc. The free bonus credits of casino sites are an excellent way of increasing the winning amount. However, before getting started with a game online, one should thoroughly gather knowledge on the game as that increases the chance of winning it.

    Picking a Place to Play Baccarat

    Before you start to play baccarat at any casino site it is worth your time to shop around for games with the fewest number of decks as this improves your odds. Microgaming casinos offer single deck baccarat. However only the most serious players play บาคาร่า ปอยเปต single deck games so beginners may want to start with games using 8 decks. Card counting as a strategy does not work for baccarat.

    The best sites offer Baccarat games for free and they don’t even ask for your email, sites that let you play for free are hoping you like the game enough to decide to play for money. If you choose to play baccarat for money then before depositing it is a good idea to ensure the site has a contact number and free to phone 24 hour support line in case you have any problems. You also need to read the fine print as some sites require proof of identity such as a copy of your driving licence. There is nothing worse than getting ready to play, depositing some money only to find out you have to wait a day for your id to be confirmed.

    Reading as much as you can on the site before signing up, check out the websites latest offers or promotions, sometimes you can find special bonus offers. Pick your bonus carefully as there are only a few casinos with relatively low play through requirements and allow you to play games with high payout like Baccarat at 99% making the offer worthwhile provided you’re not really unlucky. Most of these offers aren’t financially beneficial and just there to encourage players to play more. Bonuses are there to attract new customers and reward loyalty but often have to be earned i.e. depositing at least certain amount of money into your casino, playing often or for a certain amount of time or spend a certain amount of money.