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Guaranteeing the Safety of Your 1031 Exchange Funds

Coins and calculatorSeveral rules govern a 1031 exchange. One of these is the 45-day rule for the identification of your replacement property. During this time, you have no access to the proceeds from the trade of your relinquished property. Most investors are anxious about losing their hard-earned cash during this period and avoid 1031 exchanges altogether.

Though this is a genuine concern, it should not stop you from benefitting from the tax breaks of a 1031 transaction. In Utah, you can find a 1031 exchange company like 1031 Exchange Place to guarantee the security of your funds.

Have a Separate Escrow Account

Some investors opt to have their funds held in one account with their intermediary to minimize costs. Still, it is safer to have a segregated escrow account that only contains your funds. Though this attracts extra fees, it enhances your funds’ security.

Opt for a Dual-signature Account

If you decide to hold your fund in your qualified intermediary’s operating account, go for a dual-signature option. This account will need two signatures before the releasing of funds. These include your signature and that of your qualified intermediary, as the company remains the account’s primary holder.

Work with a Company with Insurance and Bonds

Working with a 1031 intermediary with insurance boots your funds’ security. The fidelity bond insures the company against fraud, while the errors-and-commission insurance covers clients’ claims for fund misuse. The existence of bonds and insurance lessens the risk of loss.

With the given guidelines, you can now confidently opt for a 1031 exchange. 100% transparency from your qualified intermediary also goes a long way in giving you peace of mind. Be sure to document your terms and conditions.

October 16, 2018 at 1:00 amFinance

What Makes Polycarbonate Material Ideal for School Shelter Canopies

canopy set up outdoors

Using a canopy for school shelters can turn outdoor areas into a space for various activities. Outdoor classrooms, dining areas and playgrounds are just some possible functions of school shelter canopies.

To provide maximum shelter from weather conditions such as the sun, rain, hail or snow, it’s important to choose the right materials. The materials must be easy to install to minimise disruptions in school operations and must be durable enough to withstand heavy-duty and long-term use.

Lightweight

Lightweight building materials are easy to transport, are more flexible and adapt to change in temperature faster. Canopies of building school shelters must be mounted on either timber or steel frames with ease and match the structure of an existing building for a pleasant outdoor playground. Lightweight materials are easier to install, repair or replace than heavy materials like metal, glass or concrete.

UV protection properties

Outdoor play is essential in boosting children’s development. The stimulation of the senses – sight, smell, hear, touch and taste — when playing outdoors helps children develop better cognitive, physical and social capabilities. However, too much exposure to the sun has adverse effects to the health so school shelter canopies should be built with materials that have UV protection properties.

Resistant to extreme weather conditions

Polycarbonate material is classified as a thermoplastic material, which means that it possesses high melting and freezing points. Because of this, they can withstand extremely hot and cool temperatures. It is essential that school shelter canopies provide protection from all the seasons for children to be able to play year round. Polycarbonate material is also an amorphous solid, and it is virtually unbreakable. Because of this, it can carry heavy loads like snow build-up and piles of dried leaves for an extended period. It also possesses all the aforementioned characteristics which make it an ideal canopy material for school shelters.

Building school shelter canopies depend on the location of the structure. Whether it is fixed to an existing building or is freestanding, it is important to make sure that the frame and the roof are compatible to create an area with maximum protection.

October 12, 2018 at 2:49 amInfo Tech

Types of Removable Retainers

Crooked TeethStraightening crooked teeth is typically done using braces. There are now clear braces which will enhance patient compliance with treatment since they are generally invisible. After the braces, you will need retainers to maintain the achieved position of the teeth for some time.

There are different types of dental retainers including permanent and removable retainers. Among the removable retainers on the market are Hawley and Essix or invisible retainer, which is available is at Orthodenco Orthodenco Lab.

Here are some tidbits on these removable retainers.

Clear Retainers

These have the same discreet convenience and appearance as clear aligners. They are constructed from acrylic and form a snug fit on the upper and lower teeth. Clear retainers are generally used for less serious cases of dental misalignment and for a longer period compared to Hawley retainers. They are however non-adjustable and at times interfere with a wearer’s speech.

Hawley Retainers

These are currently the common retainers on the market. Their construction design comprises clasps and wires anchored on a fairly thick plastic body. Your clients can opt to have their Hawley retainer in different colors for a personalized design. The retainers are adjustable and can be fine-tuned based on your clients’ dental alignment progress. Hawley retainers are used for teeth which were initially severely misaligned teeth. They are unfortunately non-discrete and might interfere with your client’s speech.

Positioning Retainers

These are constructed of rubber. They are used if you need to further adjust your clients’ teeth after removal of braces rather than hold them in position. You can adjust positioning retainers throughout the patient’s treatment to enhance the results.

The above removable retainers are easy for your clients to maintain since they can be removed for flossing and brushing or when eating. They will also prove more convenient compared to fixed retainers for your clients. This boosts your clients’ compliance with treatment.

October 5, 2018 at 7:03 amHealth & Lifestyle

4 Effective Ways to Boost Enrollment for your Child Care Business

2 Kids Playing with CrayonsNow, more than ever, parents are involved in choosing quality child care services for their children. This is due to demanding careers, and the resulting need to have a comfortable and safe place they can let their children stay at as they work. While your business may possess these qualities, they are not sufficient enough.

With the stiff competition surrounding the business, they may go unnoticed if you do not do proper child care marketing. To enhance enrolment, use the following tips to get your services noticed.

1. Enhance your Online Visibility

Social media sites offer a perfect platform to serve targeted ads. Since most parents are on them, you can put up ads targeting your location. You could also use local search optimisation for your business so that people searching for your services can see you from the search engines.

2. Host an Event

Event hosting is especially effective when you are starting off. It will let parents know that your business exists and what you offer. Examples of events you can host include an open house and an art day. You could also organise a free tour to your childcare on the weekend and let parents see what you have in store for them. Provide games and other activities for kids while including refreshments too.

3. Leverage the Power of Referrals

Word of mouth is a useful marketing tool and parents trust other parents to recommend good facilities they have tried. Let parents spread the word for you. To get them even more engaged in referral marketing, offer incentives in the form of a discount for every successful enrolment they bring in.

4. Only Engage Qualified Staff

Parents are comfortable knowing that their child is in the hands of a professional. You can always improve your buildings and facility programs as your budget grows, but hiring qualified caregivers should be a priority. Be sure to display the qualifications of your staff whenever parents make enquiries.

The process of growing a child care business requires a lot of effort. Incorporating these four ways in your marketing plan is a step towards boosting enrolment for your business.

September 26, 2018 at 1:52 pmDirections

Diet and Exercise Tips for Good Cardiovascular Health

Taking care of your heartGood cardiovascular health is one of the most important factors for a healthy life. But sadly, it’s also easily overlooked. Factors like lifestyle, diet, and daily schedule can affect your heart’s health, which could lead to serious problems as you age. That’s why it’s important to take care of your heart at an early age.

Cardiology specialists in Mt. Pleasant advise that regular exercise and a healthy diet can aid your cardiovascular system. Here are some fun and simple ways to help you live a healthier and heartier life.

Work Out Anytime, Anywhere

Aerobic exercise is one of the best ways to ensure better heart health. Adults need to maintain 150 minutes of moderate aerobic exercise a week to develop a stronger cardiovascular system.

Different activities have different levels of intensity. Swimming, running, and even dancing can be considered intense and therefore, can contribute to your heart health. Even simple activities like walking or taking the stairs also build towards a healthy heart.

Eat Heart-Healthy Food

There are also some foods that can help you achieve a stronger heart. Go for fresh or flash-frozen fruits and vegetables such as berries, asparagus, and broccoli. These are rich in vitamins, minerals, and anti-oxidants that lower cholesterol and significantly reduce risks of heart disease.

It’s also important to remember to exercise portion control when eating. Overfilling your plate and eating fast can lead to consuming more calories than you need, which can then lead to weight gain. Use a smaller plate to help you control your portion size and eat more foods that are both low in sodium and calories.

Your cardiovascular system plays an important role when it comes to your energy, metabolism, and even brain function. These are just some of the simple ways you can live a healthier life. Your heart will thank you for it.

September 25, 2018 at 1:00 amHealth & Lifestyle

Enhancing Workplace Safety: Precautions when Handling Lifting Equipment

Lifting EquipmentLifting equipment make work easy, manageable and less time-consuming. However, if not handled well, there will be a hefty price to pay. Some fatal accidents have been witnessed, with workers getting struck by swinging or falling objects and the collapse of the cranes. These dangerous occurrences could lead to serious injuries in your workforce as well as the general public. Despite these risks, it is possible to operate the equipment effortlessly and safely. It only takes careful planning and a thorough risk assessment. In addition to these procedural requirements, here are some essential regular undertakings that will enhance safe lifting.

Vigilant Training

All personnel should undergo rigorous and repetitive training. The managers should have a full comprehension of poor lifting techniques and faulty equipment so they can spot them early enough.

Let them know the appropriate way to operate a telehandler, forklift or crane, and what loads to elevate using any specific lifting cage. The emptying and filling ease should determine this, strength of the equipment, size, and design. Also equip slingers and signalers with relevant skills so they can all work coherently, and let all involved wear protective gear.

Load Safety

The equipment you are using should be strong enough, well maintained and right for the load. The load should be sufficiently secured to the equipment. Have restraining nets to prevent merchandise from falling in case of a mishap. When using cages, ensure the side gates are well-secured to prevent the load from slipping off. Never exceed the recommended maximum load weight and height.

Appropriacy of the Equipment

Different equipment suit different materials. Ensure that you have the right equipment by referring to the manufactures guide. In case it is not clear, contact them for advice on the same. Another consideration is the state of the equipment. It should be fit for use. Schedule regular maintenance as stated by the manufacturer and always perform thorough inspections to ascertain it is in good working condition before commencing work.

Using lifting equipment minimises the risks that come with the manual handling of merchandise. Operating the equipment in the right way is essential in ensuring the safety of handlers and the general public.

September 20, 2018 at 1:00 amDirections

The Art of Dressing Young Kids for Winter

Mother and children in ski clothesYounger kids are inherently more vulnerable to cold because their bodies are smaller, and thus lose heat more quickly. They’re likewise less likely to realize that they’re cold, so it’s up to you parents to keep your kid warm snug during the cold season, especially if they’re playing in the snow, skiing, sledding, etc. Below are basic dressing tips for the winter to ensure that your kids are not too cold, nor too hot while enjoying the winter wonderland.

Master Winter Layering

Generally, you should know about three basic clothing layers and ideal materials for each layer. Although this might seem daunting, it’s not. These three layers are:

  • The Base Layer – This is the first layer that’s in actual contact with your kid’s body, and its main purpose is to wick moisture away from the body. This should fit snug and preferably in materials such as wool or other synthetic fabrics like plain old polyester.
  • The Middle Layer – This goes on top of the base layer and serves to insulate your kid. This should also be snug, but not too tight that it restrains movement. Best materials include fleece, down, or wool.
  • The Outer Layer – This layer safeguards your kid from wind, snow, and rain. This includes a waterproof shell or jacket that’s breathable, like those from the Obermeyer kids line. The fit should allow for easy movement and must be big enough to accommodate all the other layers underneath.

Avoid Cotton Like The Plague

This is very crucial because cotton clothing easily absorbs snow and rain, but even in dry and cold weather, it would still easily absorb sweat. Put simply, snow plus wet cotton equals freezing kids.

Extra Protection for The Face, Hands, and Feet

The face, head, ears, feet, hands of your kid are most susceptible to frostbite, which could burn your kid’s skin, permanently damage it, and cause numbness. To avoid frostbite, let your kid wear a thick hat or beanie, waterproof gloves, a thick scarf, waterproof boots, and thick, non-cotton socks. For bitingly cold weather, add a facemask and earmuffs to the mix.

See, that wasn’t so hard, was it? Keep these tips in mind to keep your kids toasty, warm, comfortable and frostbite-free this winter. Also, keep in mind that kids grow fairly fast, so it’s best to look for winter clothing with extended sizing features to get the most out of your money.

September 14, 2018 at 11:22 pmHealth & Lifestyle

Business Selling: 4 Effective Ways

man in corporate attire writing on paper, with laptop on the sideSelling your business is not as easy as selling your homemade apple pie. To sell a business, you first need to consider various factors that would determine the success (or failure) of your business sale.

Whether you want to sell your business in Salt Lake City or any other part of the country, Utah Business Consultants noted that having a good selling foundation is essential. Here are the most important points worth considering:

Know your business value

People sell their business, whether big or small, for a variety of reasons. However, you should always consider the business’ value. Having it evaluated by a third party can give you a realistic estimate of how much your business is worth.

Plan your exit strategy ahead of time

Planning your exit strategy ahead of time can give your business a better chance at being in the game for a longer time. A well-planned exit will also benefit your employees. More often than not, eyeing for an insider to take over is an exit strategy in itself. The transition will be much easier than having an outsider take over.

Prepare all your documents

Running a business is all about having the right documents in place when you need them. Make sure your finances are all in order to avoid unnecessary hassles along the way.

Work with a professional

Again, selling a business is not as easy as selling your homemade apple pie. Professional help should always be considered. Not only do they know the ins and outs of the business, they also have a wide array of connections that can help you sell your business a lot faster.

Parting with your business is never easy. But knowing that it will be in the hands of someone as dedicated as you are will help ease the heavy feeling. Learn to let go by planning it well.

September 6, 2018 at 8:42 amDirections

From an ARM to a Fixed Rate: Should You Make the Switch?

someone signing a contract When it comes to refinancing a home loan, many are considering making the switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan. If you are thinking of doing the same, keep in mind that this move makes sense if the interest rates are low. You should also, however, consider your personal circumstances and know what could happen if you decide to make the switch.

The Good Points

With a fixed-rate mortgage, you’ll have a stable monthly payment, with a principal and interest rates that will remain the same throughout the life of a mortgage. This is the opposite of an ARM, with loan payments and interest rates that can fluctuate depending on the market trends.

Refinance lenders in Phoenix note that the stability of a fixed-rate loan can make it easier for you to manage your monthly budget, as you know that your loan payments will be the same every month. It can also give you peace of mind, as your rates and payments won’t increase even if the market rates go up.

What You Should Think About

When compared to the initial/introductory period of an ARM (the period where interest rates remain fixed for a certain period), fixed-rate mortgages usually have higher interest rates. They may be generally considered risk free, but you cannot take advantage of decreased payments and rates if the market interest rates fall dramatically.

How Your Finances Will Be Affected

If you decide to refinance, you will have to pay closing costs. This is why it is best to determine your goal for making the switch. You should also aim to refinance for the right reasons like shortening your current loan term or lowering your interest rate.

If you, for instance, decide to extend the loan of your term, you are likely to pay more interest rates with a new loan. This is why experts suggest resisting the urge to refinance to a 30-year loan. While this will definitely lower your monthly payments, this will also increase the total amount of interest to be paid over the life of the mortgage.

Refinancing can be a good move if you do it for the right reasons. Talk to a lender today to more about refinancing and your options.

August 31, 2018 at 9:24 amFinance

Safety Precautions When Handling Pressure Vessels

person adjusting valve on pressure tank using spannerPressure tanks require the utmost care. There is a substantial difference in the pressure and material contained in these vessels than the ambient pressure. This means that one small mistake in their handling could lead to fatal accidents. Since the pressure in a well pump system must remain at a set relationship, here are four safety precautions operators should observe.

Regular maintenance

A pressure vessel needs timely care for it to function correctly. There’s a recommended maintenance program for the whole pressure that you need to stick to. Always keep an eye for any signs of problems. Should you notice that one of the safety valves is faulty, you need to have an expert examine and fix it right away. You should also check pump switches whenever doing a routine check-up. Keep monitoring the vessel for corrosion and ageing as well.

Thorough training on how to operate the vessel

Never let any person who does not have a proper understanding of the pressure vessel operate it. That’s a sure recipe for catastrophe. Have the team that’s responsible for installing, managing, and maintaining the vessel well-trained. Alternatively, engage with an expert to take care of these aspects for you.

The right protective devices

Your vessel comes with certain protective devices that need to be correctly installed and set. These devices include safety valves and switches that shut down the operation of the tank in case it reaches maximum temperature or pressure.

Good understanding of the materials contained inside

Take the time to educate yourself on the gases or liquids contained in your pressure vessel. Learn about their nature, whether they are toxic or flammable. Knowing what material you are dealing with helps you understand what conditions are ideal for it, including the pressure and temperature. Being aware of this will also help you know where would be the best place to install the tank.

Pressure vessels can be very dangerous, not only because of the intense pressure within them but also leaks on these tanks are also dangerous. By observing safety precautions, you can avert any chances of a disaster.

August 22, 2018 at 2:44 amDirections