The Right Way to Do a 1031 Exchange

A 1031 exchange is a tax-deferred method of selling one qualified property and acquiring another like kind of property within a specific time frame. It is a tool to let go of a property today and exchange it with Read more

3 Quick Tips on Applying for a Second Mortgage

So you urgently need some money and are looking to apply for a second mortgage. That’s a wonderful idea, given the numerous benefits that come with such a loan. Not only do you stand to avoid paying PMI, for Read more

Three Tips for New Store Owners

Opening a retail store is very rewarding. Any business owner knows that a lot of hard work and stressful days have to be endured to get to this point. Having a physical retail shop poses a new set of Read more

The Right Way to Do a 1031 Exchange

Posted on by Administrator in Money Talks | Comments Off on The Right Way to Do a 1031 Exchange

propertyA 1031 exchange is a tax-deferred method of selling one qualified property and acquiring another like kind of property within a specific time frame. It is a tool to let go of a property today and exchange it with one you want tomorrow.

If you are considering a 1031 exchange for your land or property, consult an advisor or an expert to clear up further misconceptions and complications.

1031 exchanges that are done strategically can minimize risk to a real estate portfolio and reduce tax cuts. They can be used for investment properties but not for personal residences or properties that are primarily held for sale.

Delayed 1031 Exchanges

The sale and purchase of a property do not have to co-occur, as the chances of finding someone with the exact property you want and who wants the exact property you have are slim to none.

This explains why most 1031 exchanges are delayed. You can sell an investment property to anyone who wants it at the time and then wait to get an exchanged property you want.

The Qualified Intermediary (QI) or Accommodator comes in here. They serve as a middle-man who holds sale proceeds for you and later uses them to buy your chosen replacement property.

Permitted 1031 Exchanges

Exchanges are not just for big investors. Anyone who owns investment property should consider this kind of exchange, provided they have a good set of advisors.

Keep in mind that you cannot do a 1031 exchange with a property you hold only for personal use. You cannot, for instance, exchange your personal residence for another. There are, however, certain parameters you can use to exchange mixed use rental and vacation homes.

Consult with a QI or with your advisors to know if your land qualifies for a 1031 exchange and learn how to maximize its use.

3 Quick Tips on Applying for a Second Mortgage

Posted on by Nihonmagazine in Money Talks | Comments Off on 3 Quick Tips on Applying for a Second Mortgage

Tips for applying for a second mortgageSo you urgently need some money and are looking to apply for a second mortgage. That’s a wonderful idea, given the numerous benefits that come with such a loan. Not only do you stand to avoid paying PMI, for instance, but also qualify for a significantly larger loan amount.

Having said that, there are a few tips to keep in mind as you apply for a second mortgage. Here are three of them.

1. Get a few quotes first.

Some homeowners don’t know this, but you don’t necessarily need to take a second mortgage from your current lender. It’s best to shop around and find what another mortgage company in St. George has to offer. Ask your real estate agent for recommendations. Get quotes from online lenders too.

2. Get the timing right.

There are a few factors that should determine when it’s best to apply for a second loan. The equity in your home will determine how much money you can borrow, so it’s best to apply when home prices in your area are highest.

Also, refrain from applying for a loan when interest rates are high. Wait till the interest rates decline, then try to lock in a fixed rate.

3. Prepared for the fees involved.

Applying for a second loan can involve a lot of paperwork and charges, so get ready for that. Typically, the lender will require that your home is appraised afresh to determine its value and how much equity you have in it, and that attracts appraisal fees.

Applying for a second mortgage can be a smart way to raise some money when you are in need. As you go through the application process, it’s a good idea to know what is involved, so you make the best decisions.

Three Tips for New Store Owners

Posted on by Ann Klatt in Higher Learning | Comments Off on Three Tips for New Store Owners

female retail store ownerOpening a retail store is very rewarding. Any business owner knows that a lot of hard work and stressful days have to be endured to get to this point. Having a physical retail shop poses a new set of challenges that you must prepare for. Here are three helpful tips:

Train Your Staff

The lifeblood of any brick and mortar retail store is its staff. Retail sales coaching is vital to employees who will spend the majority of their time dealing with customers and handling the daily operations of a store. Scrimping and failing to implement an effective training program can make or break a retail operation. From customer service to sales techniques, training is essential to the success of your store.

Set Aside a Sizeable Contingency Fund

For new businesses, it’s imperative to set aside a fund to cover expenses in case of a slow start. Nobody wants to anticipate a poor initial return, but it’s smart to make sure that you won’t need to cut costs on the essentials right when your business is just taking off. It’s best to refer to your business plan and be conservative when forecasting the store’s traction. This ensures that the store runs efficiently while also not being a source of unnecessary stress during lean stretches.

Embrace Social Media

These days, having a brick and mortar store doesn’t mean that you abandon your business’s other “storefronts”. Each of your social media profiles should be treated as a digital storefront where prospective customers and regulars visit to check out what you’re currently offering. It’s also now a go-to for after-sales service and support. Make sure that you don’t neglect your store’s online presence.

These are just three tips to help you succeed in the world of retail. It’s challenging but definitely rewarding. Good luck!

Boosting the Efficiency of Your Hot Water System

Posted on by Ann Klatt in Hot Spots | Comments Off on Boosting the Efficiency of Your Hot Water System

Plumber checking the water heating systemQuality is important when you are looking to buy a new hot water system. The way you shop, how much research you do, and the final decisions matter a lot.

Of course, you don’t want to buy one and replace it only after a month. However, your water heater’s service life greatly depends on the type of care and maintenance you give to it. All Hours Plumbing and HVAC, home of experienced plumbers in Park City, shares some of the smartest ways to keep your system performing at its best:

Reduce the temperatures

The good thing with modern water heaters is that you can always adjust the temperature of the water in the tank by some degrees. Unfortunately, most homeowners don’t know this, and they end up paying expensively on energy bills. Of course, you want to set the temperatures high to kill all the bacteria on the water. Well, you don’t need to raise the temperatures to the maximum. The manual provides conditions at which bacteria cannot survive. That is why you must read and understand it so that you can maximize energy savings.

Insulate your tank

Whether it’s during the winter or summer, the temperatures of the air surrounding your hot water tank are usually cooler than the water. This means some heat from the tank is gradually lost and more energy is needed to heat your water to desired temperatures. Fortunately, applying specialized insulation ensures that the heat is confined and high-energy demands by your heater are minimized.

Consider a tankless heating system

A tankless water heater is usually a good option, especially for a homeowner whose desire is to save energy. When you hire a plumber to regularly service it, you won’t need a reservoir to heat and maintain the temperatures therein at all times. The water is only heated when the need arises. This way, not only do you cut back on energy costs but also boost your heater’s service life.

With economic times getting tougher and harder to cope, it’s important to learn how to cut down unnecessary expenses as much as you can, more so on recurrent bills such as water and energy costs.

For Beginners: How to Water Your Greenhouse Plants

Posted on by Nihonmagazine in Wellness Zone | Comments Off on For Beginners: How to Water Your Greenhouse Plants

Man watering a plant in greenhousePlants housed in closed ecosystems like standard greenhouses and geodesic domes require more attention and care than plants in outdoor gardens. For one, your garden plants could get some water from the occasional rain, but the plants inside your greenhouse would need to depend on you for water.

Here are some practical tips for watering your greenhouse plants:

When to Water Your Plants

Familiarize yourself with the humidity level of your greenhouse and get to know the basic watering requirements of every plant species. Water your plants ideally very early in the morning before the sun comes up or late in the evening when the sun has retired for the day because these are the times when the temperature is at its lowest.

For plants that require lots of water, regularly check them to see how they look, whether they’re fully turgid or wilting. If possible, lift the plant to check its weight. If it’s light, water it. Also, if the compost feels dry and powdery, water the plant.

No High Pressure

Greenhouse plants must ideally be watered with an easy, yet consistent water stream such as that from a watering can. Avoid a high-pressure stream as this could splash water around and then lead to the spread of diseases as well as fungi growth. Stop watering when you see water starting to on the soil or running out from the bottom of the pot.

Consider the Season

During the summer season, plants in your greenhouse would need to be watered more regularly than in winter, fall, or spring so keep a closer eye on them during hot weather.

Depending on the kind of plants you have, consider allowing them to dry out from time to time. While some plants require moist soil, a majority of common greenhouse plants fare better when allowed to dry out. To dry out your plants, resist the urge to water them several times (unless really necessary) a day and instead, only water them when you feel the topmost portion, about two inches, of the soil is completely dry.

The right watering technique is vital to develop quality and uniform plants, minimize the spread of diseases, and control growth. While it would take you some time to get that hang of it, your efforts would be worth it when you see your plants flourish.

Why Commercial Gardens Are Crucial for Productivity

Posted on by Ann Klatt in Wellness Zone | Comments Off on Why Commercial Gardens Are Crucial for Productivity

Building rooftop gardenThere’s something about gardens and landscapes that help people relax and unwind. That’s why many companies today opt to have a commercial or office garden to help their employees in many ways. Greenery can help companies attain their goals due to the increased productivity and the decreased absences of the employees.

Office gardens are a rising trend among many businesses. The gardens allow employees to take a break from work, relax, breathe fresh air, and get a little dose of sunshine. Hence, many businesses hire lawn and landscape companies to create dashing and beautiful lush green gardens in the company’s vicinity. Here are the benefits of having an office garden for employees:

Stress Reduction

One of the worst enemies of employees is stress. Corporate gardens encourage employees to relax and take a break from work. In some instances, they can water the plants and pick up weeds. This way, they are feeling relaxed and distracted from work. They can divert their attention to something stress-free. Companies with stress-free employees will see them becoming more productive and healthier.

Improved Memory

Many studies have shown that staying in a garden or gardening can improve memory. For employees, this is a perk since they can enhance their memory and help in boosting their productivity. In fact, spending time in a garden or in a place with plants could increase memory retention by 20%. Employees can have an increased attention span, too.

Employees Become Healthier

When there are many plants in the company’s vicinity, these clean the air employees breathe. As a result, respiratory diseases are prevented. Employees become healthier and absenteeism is reduced. Furthermore, the plants and trees reduce pollution.

Garden spaces in the workplace can help both the company and its employees. Employees will have increased productivity that can help the company attain its goals.

4 Distinguishing Features of Good Web Design

Posted on by Nihonmagazine in Information Facility | Comments Off on 4 Distinguishing Features of Good Web Design

Web designer planning his designWhat makes a well-built web design? Well, the variables may be numerous, depending on the industry or type of business. However, there are certain specific features that all good designs give in common. Here are four of those features:

Clean, professional design

There’s a reason people opt for a creative agency in Salt Lake City that is expert in web design services. They know that it takes a lot of experience to come up with a simple, sensible design that drives visitors to it and converts them into buying customers.  An oversimplified design delivers a hundred times better user experience than a complicated and confusing one. That being said, it’s always important to be wary of making your website bland.

User-friendly navigation

A top characteristic of a superb web design is that it has a very user-friendly navigation scheme to make it easy for visitors to find what they’re looking for. All essential links are easy to find and understand due to their simple and logically arranged labels. The content is very well-organized, even if it’s a lot.

Topnotch web content

When people browse the web, they’re doing so to look for information. Everyone wants the best content they can find, whether that information is for education or entertainment purposes. That’s why websites with superior content are frequently visited, especially if good SEO is part of the websites’ marketing strategies.

Reasonable speed

You wouldn’t enjoy visiting a website that takes ages to load, and the same goes for your visitors, too. Generally, people are inherently impatient. They want information, and they want it fast. If your website takes ten seconds to load a page, few people will stick around that long to view your superb graphics and high-quality content. So take control of factors that may slow down your web content.

When building your website, it’s important to know what really defines a good web design. It’s the only way to attract and retain visitors in a highly competitive online world.

Pallet Racking Safety Tips for Your Warehouse

Posted on by Ann Klatt in Higher Learning | Comments Off on Pallet Racking Safety Tips for Your Warehouse

Interior of warehouse with stacked boxes on top of palletWhen it comes to your workers’ welfare, it is essential to keep in mind proper safety tips for your warehouse pallet racking system. Simply relying on a yearly rack safety inspection might not be enough to ensure everyone’s protection. To help you ensure that you are compliant with the safety protocol, here are a few tips that you might want to consider.

Check the Rated Capacity

It is always best to check the rated capacity to make sure that you will not go over it. It is separated into two various rated capacities, which are the total rated capacity for each separate bay and the maximum unit load. The information stated in these rated capacities should give the people who use the racks an idea of the limit of each shelf.

Check the Label

Another factor that you need to watch out for is the label for each pallet racking. You have to ensure that everything has proper labels so that the workers will know all the details of the items that are in the racks. It will also inform them of the racking system’s strength and capacity.

Check the Frame Components and Accessories

Most pallet rack systems are composed of several parts and accessories. Although most parts can sustain damages, it is still vital to thoroughly check them for any damages. You should also check the beam locks when doing your inspections and replace any of the locks that are either missing or broken.

Pallet racking safety precautions are essential for every worker’s well-being. As such, your warehouse managers should thoroughly check the racking systems to prevent any accidents from occurring. Getting your storage supplies from a reputable company can ensure its quality.

Types of Mental Disorders in Elderly People

Posted on by Ann Klatt in Wellness Zone | Comments Off on Types of Mental Disorders in Elderly People

elderly woman consulting with her nurseGeriatric patients often suffer from diseases that affect them physically and mentally. This necessitates the need for medical care services. Fortunately, elderly home health care services go a long way in increasing the comfort and maintaining the dignity of their patients. With that in mind, here are various mental disorders that affect seniors:

Anxiety Disorder

This is more common in later life, and it has a more difficult diagnosis process than depression. This is because most of the diagnostic tests today for anxiety disorder only work when patients are young. Therefore, when it occurs, the best that families can do is provide as much care as possible to make the patients comfortable. This lowers their anxiety levels and helps them overcome other health issues.


It is also referred to as chronic organic mental disorder, dementia is the primary reason for the setup of geriatric care units. It is characterized by acquired memory loss and the impairment of other cognitive functions. Providing caregiving services for patients with dementia helps by ensuring that they remain in familiar places. Hence, they feel secure in their homes.


Compared to medical research on conditions such as dementia, delirium disorder is highly under-investigated. It is characterized by acute confusion. This often worsens the symptoms of other sicknesses and increases the mortality rate. Home health care comes in handy for old patients with delirium. Caregivers help manage their condition through therapy and medication.

While most mental disorders go undiagnosed, they are treatable. Due to the complicated relationship between mental diseases and physical illnesses, ultimate care must be given to patients. This not only alleviates the symptoms of these disorders but also improves the quality of life of patients.

Tips to Help You with Your Pipe-bending Project

Posted on by Nihonmagazine in Information Facility | Comments Off on Tips to Help You with Your Pipe-bending Project

pipes tied togetherThese days, manipulating tubes and pipes through bending should be an easy job because of technology. However, if you are new to it, then expect a learning curve before you get used to the task. Fortunately, you can consult a maker of tube benders like JMC Equipment. Here are some tips to help you with your task:

Understand Spot Measurement

Pipes are commonly located at one end of the bender. You should identify the center and use it as a base point to ensure that you will be able to bend the pipe at the right angle. You might also want to measure the pipe’s length to help you accurately spot the right area to make the bend.

Get the Right Tooling Set Up

To achieve the right bend, you must ensure that you have excellent tools. The proper tooling setup is essential, especially when it comes to draw bending. As a general rule of thumb, you have to have a combination of soft and hard materials readily available. That way, you will not waste time looking for the right tools.

Learn to Maintain the Bender

Finally, you should know how to maintain the bender properly. It is always best to clean the bender thoroughly if you are not using it. Keeping it out of reach and storing it in a clean and dry environment should be done as well. Doing so will prevent dust accumulation and corrosion.

Overall, these are just a few ways to achieve accurate pipe-bending results. You might want to purchase a tube bender that is easy to use so that you will not encounter any problem. Nonetheless, do not hesitate to seek the help of professionals.

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