5 Ways Your Garden Can Save You Money

Planting, growing and maintaining your own garden is a blissful, rewarding experience that you can enjoy every day. The great thing about plants is that they come in every size. So, whether you have a window sill, balcony or sprawling plot of grass, you can utilize it to its full potential with the right plants.

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To the uninformed, a garden may seem like more of a money drain than a money saver. But it’s easily possible to save significant amounts of money in the long run, especially if you eat fruit and vegetables as often as you should.

With this in mind, here’s how you can save, or even make money with your own garden.

Raise Some Chickens

Purchasing some hens from your local farm will cost you close to nothing. All you’ll need is a reasonable size coop, some feed, water and a bit of time, and before you know it, you’ll be picking up free eggs 2-5 times per day, leaving you with more than enough to eat and even some to sell if you fancy the idea.

Fruit And Vegetables

This no-brainer will save you hundreds, if not thousands of dollars per year in shopping costs. Figure out what you consume most, find a place to plant it, and watch your receipts grow shorter. The savings are astronomical and your contribution to the environment by decreasing demand for store-bought fruit and vegetables will be appreciated by future generations.

If you’re concerned about how your garden looks aesthetically, it’s not difficult to make even the least attractive veggies look great. Surround your plantations with some landscaping stones and pick up a few water features or even a gnome to stand guard.

Make Your Own Compost

Why buy compost when you can simply make it yourself while also adding less pollution to landfills? Fruit and vegetable peelings, cardboard, wool, egg shells, coffee filters, spoiled rice and coconut milk are all great ingredients that your plants will love.

Collect Rainwater

Shave digits off your water bill by collecting freely available rainwater. You don’t need to invest in a huge rainwater tank and gutter system to get started. A few buckets are all you’ll need, especially if you’re only using the water to hydrate your garden. Once again, not only are you saving money, but you’re helping the environment as well.

Start An Apiary

In case you just had a heart attack, an apiary is a colony of bees – not apes. Getting your own hive, equipment, and bees will require some investment, but the long-term benefits are significant. Pure, well-made honey is an extremely valuable resource and a single hive can produce well over twenty jars annually.

With bees becoming increasingly endangered, they need all the help they can get from caring owners.

Conclusion

One of the greatest things you can do as a human being is helping save the environment. With your own garden, you’ll be doing exactly that while also saving yourself significant amounts of money every year on food, water, and transport costs.

 

Places to visit in Sacramento: Tourist Attractions in Sacramento:

If by any chance, you happen to be in California this summer. Then you can definitely have a great time if you know where to go in Sacramento. But fret not; we have done a thorough research to bring out the best places worth visiting in Sacramento.

Fairytales Town where your childhood is back:

This park should be on your bucket list. It will bring your childhood back to life again. This park is full of different sections; each representing a different fairytale or nursery rhyme play-set. This park has a total 25 play-sets which consist of different fairy tales and nursery rhymes; taking you back to the good old days when you were a kid. Fairytale Town has been educating and inspiring children for more than 50 years. It is located on the Land Park drive near the Sacramento Zoo.

Take a trip over the Tower Bridge:

It is one of the oldest bridges in the U.S built in 1935; it is definitely a place worth visiting while you’re in Sacramento. It is also known as the Sacramento River Bridge as it connects Sacramento country in the east to West Sacramento in Yolo County. It’s a great place to drive to but when you’re driving, make sure that you are following the traffic rules otherwise you’ll be caught and then you’ll be requiring the services of traffic ticket lawyers to bail yourself out. On this note, you can always rely on ticket lawyer Sacramento to help you.

The Abandoned Sutter’s Fort:

This fort was constructed in 1839 by John Sutter. It was the main centre of attraction in California before the start of the Goldrush. The gold was discovered 45 miles away from the fort and after the start of a Gold rush, the fort was abandoned. Now this fort has been declared as a National Historic Landmark. The fort is a place worth visiting, with its two storey adobe structure building.

California Automobile Museum:

This museum was founded by a group of volunteers in 1982. At the starting, the museum was the house to the biggest collection of Fords but now all sorts of automobiles can be seen in the museum. It is one of its kind and a major tourist attraction in Sacramento because of its truly diverse and exciting collection of cars.

Reliving the old times in Sacramento State Historic Park:

This 28 acres park covers all the area of old Sacramento business centre of 1850’s. It consists of all the buildings made during the Gold Rush including the famous Eagle Theater. These buildings at the Waterfront have seen history including floods, fire, to the political ups and downs. This area has become a massive tourist attraction for those who are keen to study the history of California.

The California State Rail-Road Museum:

We know that Sacramento is the home to fascinating attractions and museums. Out of all these, the California State Rail-Road museum is one of the most popular ones. Each year more than 50,000 people come over to visit this museum. This museum will take you back in time, to the discovery of train. You can find many used locomotives and railroad cars that were in use throughout the State in the past. There are six buildings in this museum; overall the museum covers an area of 225,000 square feet.

California State Indian Museum:

This museum was opened in 1940’s to tell the people about the native Indian tribe that used to live in the State of California. The museum has three sections showing different themes like; family, nature and spirit which were important to the Indians. The museum is full of photographs and artifacts showing the lives of native Indians and how they used to prosper in this State thousand of years ago.

Tax Benefits for Taking Company to Hong Kong

A lot of companies are heading to Hong Kong to take advantage of the stable political and financial systems. However, the primary goal is enjoying the attractive tax regimes. Hong Kong has worked extra hard in ensuring that more business can join and help to contribute its business based economy. As you purpose to take your enterprise to Hong Kong, what are the main tax benefits to expect? Here is an account of what to anticipate.

A very straightforward tax regime

Most investors coming to Hong Kong are interested in understanding their tax obligations even before commencing operations. This is very important for planning purposes. The administration has made the work of entrepreneurs easier by outlining all that businesses should pay after starting operations in the jurisdiction.

Once the process of company incorporation Hong Kong is over, your enterprise will be required to pay profit tax, stamp duty tax, and property tax. In addition, the Internal Revenue Department insists that every business has to maintain the tax-related records for up to about seven years. This makes it easy for the department to come and inspect the records if the need arises.

Hong Kong makes it easy to write off a lot of expenses against the company

Many people living in the western countries appreciate that tax laws back at home rarely allow them to write off expenses against their enterprises. They hold the view that transport costs and others such as rent should be considered business expenses. This means that the business should capture the expenses as part of its expenses. However, Hong Kong is different. Hong Kong allows the companies to write off these expenses and credits them to the company balance sheet.

Operations done outside Hong Kong can qualify for 0% tax

The tax model in Hong Kong only focuses on the transactions carried in the jurisdiction. This means that if all the transactions are done outside Hong Kong, there is a possibility of qualifying for 0% tax. This implies that you can run the enterprise without getting worried about double taxation. This is very important especially for companies that are in import-export niches where most of the transactions are completed outside Hong Kong. Remember that it is advisable to seek assistance from tax experts to take advantage of 0% status.

Enjoying special treatment through DTAs

Because Hong Kong is a business-driven economy, it never tires of working with neighbors both in Asia and beyond. The cooperation is mainly done through trade agreements that target helping traders enjoy special treatment when trading in respective countries.

To enjoy these DTAs, your enterprise only needs to demonstrate tax substance. This means that the Hong Kong authorities are convinced you have a positive impact on the economy. The DTAs could be the needed lever to help your enterprise increase sales and profitability. For example, the DTAs signed between Hong Kong and China indicates that when a Chinese company pays dividends to Hong Kong-based investor, the tax should not be more than 7% of the total amount by any of the two administrations.  You will also enjoy other tax benefits on royalties, investments, and interests.

How to Get Business Loans with Bad Credit

If you’re a small business owner, having bad credit can feel like a prison.

You need financing to pump much-needed cash into your business for growth and expansion…

…but not having good enough credit to obtain financing from a bank or traditional lender means you’re stuck in place.

Fortunately, alternative lending has exploded over the past decade and now offers small business owners with bad credit several great options for obtaining the funds their business needs, whether to pick themselves back up after a slow season or to expand into new horizons.

Business loans with bad credit: Your options

So, what are your options?

It might be a little hard to believe that there really are options available to small business owners with bad credit, but it’s true.

In fact, there are several:

  • Unsecured business loans: An unsecured business loan is typically based on cash flow, gross annual sales, and your business’ credit score (typically scores ranging 540+), up to as much as $2,000,000.00 and does not require collateral.
  • Business line of credit: A revolving credit balance you can use as the need arises (similar to a credit card).
  • Split funding: Also known as a merchant cash advance, split funding deducts a percentage of your credit card sales each business day to repay the loan, making them perfect for businesses whose cash flow fluctuates due to heavy and light seasons (such as Christmas).
  • Term loans: A quick chunk of cash typically used for a specific purpose such as to buy materials, new equipment, or hire new personnel before a busy season.

Now that you know some of your options, let’s take a look at everything you’ll need to get a small business loan even with bad credit.

What do lenders look for?

The first and perhaps most important thing to know is what lenders are looking for when they receive an application.

If you know what they’re looking for in advance, you can position yourself to be much more likely to be approved for a business loan even if you have bad credit.

Here are a few of the most important things that lenders are looking for:

1. Debt is low and under control

First, lenders want to see that your debt is not only low but under control. Are you on time or do you have late payments? Also, is there collateral on any loans involved? These are all important factors to look out for when preparing to apply for a business loan with bad credit.

2. Revenue is high and growing

Revenue helps lenders forecast your ability to pay back a loan. In a nutshell, it’s best if your revenue is not only high but also on an upward trajectory. If you’re currently growing, you’ll be in good shape to lenders (on paper, at least).

In addition, revenue helps decide what size of loan you’re approved for, so it has more than one purpose.

3. Cash flow is abundant and well managed

Cash flow is another very important metric because businesses want to see not only how you manage your money, whether you overspend and pay late or never stretch beyond your limits and pay on time, but also how much cash savings you have in case something goes wrong.

The reality is, no one ones what’s going to happen tomorrow. For that reason, lenders want to see that you have a nest egg you can use to continue paying off your loan in case business suddenly takes a dip.

A note on credit

While great credit isn’t necessary, it still helps to do everything you can make your credit look as good as it can.

If you have any tax liens, foreclosures, or bankruptcies on your credit, do whatever you can to take care of them and get them off your personal credit. This will go a long way in getting approved for a loan.

Clearly, not every business can fulfill each of the above points we just mentioned perfectly. In fact, very few can.

Simply use the above information as a marker for placing yourself in a position to have the highest chance of being accepted for a loan.

What are the minimum requirements to qualify for a small business loan with bad credit?

In addition to there being certain things that lenders look for when they review an application, there are also typically minimum requirements to even be considered for a loan in the first place.

They tend to be pretty easy qualifications to meet, however, they’re nonetheless required before your application can even be accepted.

Each type of financing is different, but here are what the basic requirements tend to be for many bad credit business loans:

  • Be in business for at least X months or years (typically, somewhere between 6 months to 2 years)
  • Have X amount of monthly gross revenue (typically $10,000 or more)
  • Must be in good standing (In other words, can’t currently be defaulted on a loan with another lender, etc.)

On top of those basic qualifications, you’ll also need a few documents to verify and proof certain information.

What documents do I need?

Every lender and loan product is different. However, the documents needed to apply for each tend to be pretty similar. And, regardless, it’s a good idea to have this stuff in order anyway.

Here are some of the documents that may be required by lenders for you to complete your application and get approved:

  • Business licenses
  • Proof of ownership
  • Property lease agreement
  • Personal and business tax returns
  • Voided check
  • Drivers license
  • Bank statements
  • Profit & loss statement
  • Debt schedule

Get a small business loan even with bad credit

Obtaining a small business loan with bad credit has never been easier.

And it’s not just possible, you have several great options to choose from in unsecured business loans, business lines of credit, term loans, and merchant cash advances (AKA split funding).

You don’t want bad credit to hold you back from getting the funds your business needs to grow. Now, it doesn’t have to.

Are Electric Cars Cheaper?

The popularity of electric cars are on the rise. With the main reason being to help the environment, some people make the switch to electric cars from gas powered cars because of the cost savings. People are under the assumption that the savings in gas and also the tax benefits can save them money. One factor that is often overlooked is the cost of insuring an electric car. I decided to look into this matter to see if there really is cost savings when switching to an electric vehicle. Is the insurance for electric cars cheaper?

Insurance Premiums

In my research, it is a given that insurance premiums for electric cars are higher than gas cars. Some insurance companies can have higher premiums for an electric car as compared to their gas counterpart. Car insurance quotes for the electric cars were 21% higher, on average, than quotes for the gas cars. This is quite the difference. So the only question is why is this so? The simple answer is the cost of the car itself. It is a common fact that premiums go up for riskier drivers. With electric cars it does not make a driver risker in the insurance company’s eyes, but it does raise the red flag of liability. Electric cars are expensive. They are expensive to buy, and the parts that make up the cars are expensive to replace as well. Insurance companies see electric car drivers as liabilities because if they were to damage their car, they have to put up the big bucks to fix it. This in fact makes them less desirable than a cheaper made gas car. Therefor the driver is forced to bear the cost of that liability in their premiums. With that being said, Electric and hybrid cars often require less servicing than their gas cousins. But, when something goes wrong or if you get into an accident, the repair costs are higher because you need specialty mechanics to fix things such as damage to batteries or to electric control panels. Despite this, analysts say that these costly repairs occur less frequently than they do with gas vehicles.Electric car work needs to be done by a trained electric car mechanic which is not as common as the regular gas powered car mechanic. This is another hurdle for electric car drivers.

Shop Around

Even though it is a given that your premium may be higher, it is important to shop around. Look at different insurance companies to see who can give you the best deal out there in the electric car world. Different companies offer different coverage for different prices so it pays to do your research.

There are pros and cons to insuring a hybrid or electric vehicle, but when it comes to lowering your carbon footprint, it’s priceless.

4 Tips for small business owners who have a fleet of vehicles.

Small businesses face many different types of risks depending upon the size, scope, and industry the business operates in. Some businesses face risk because they have an elevated number of clients coming and going from their location. Other businesses have employees who do physically demanding work. Still other businesses face risk related to the data they store about their clients. One common type of risk many small businesses face is employees who operate motor vehicles. When employees operate motor vehicles on the job, the amount of insurance claims for that business tends to increase in frequency and severity. Here are four tips to keep in mind to help your business manage a fleet of vehicles.

 

Make sure your safety program is well-documented. 

The safety program should start the day someone is hired and continue throughout their employment. The programs do not have to be exhaustive or time consuming. They can be a short 15-minute huddle twice a week about a potentially hazardous area of your business. Keep them documented and on file. This way if you have several incidents or a severe injury, you can use the documentation to show your business was taking the proper steps to prevent the injury from taking place.

 

Have strict Safe-Driving Policies

If you have to have employees driving as a part of your daily operations, you need to have strict policies and procedures in place that they must follow when they are behind the wheel. You should periodically pull their driving records, even on your most trusted employees. Never expect an employee to tell you they got a speeding ticket or something more severe. Pulling motor vehicle records on all employees periodically can help the next time you are liability insurance quotes.

 

Don’t underreport incidents

If you have an incident, report it If you do not report it and the injury comes back to be more serious than originally thought, it can cause the claim to not be covered. It can also cause your insurance carrier to raise your rate on premium or drop you from coverage altogether.

 

Talk about safety

Company culture starts at the top and moves down through a business. Any business owner should repeatedly talk about safety throughout the work day. If your employees know that you are concerned about their safety and well-being, they will make it a priority to go the extra mile to keep them and their coworkers safe.

 

 

6 Top Tips to manage your Cryptocurrency Risk

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Although cryptocurrencies don’t have physical properties, they are still financial digital assets that represent a store of value, a utility, and useful as a form of currency. Therefore they can be bought, sold, and traded like other financial assets.

Just like trading equities and securities (stocks and bonds), trading cryptocurrencies comes with risks as well as rewards. Here we will talk about the risks at a basic level. Keeping these at top of mind will provide a foundation for productive trading going into the future. Because these markets are still unregulated (a double-edged sword), more complex subjects like options, futures and margin trading are for a coming discussion.

1: Be constantly aware of security risks.

Cryptocurrencies, by their cryptographic nature, are very secure. But the supporting infrastructure for trading is not. In addition, the currencies themselves are volatile and unstable from a market standpoint. Storing your coins on exchanges is risky because the exchanges actually own your funds, not you. Wallets can add more protection, but they all present opportunities for savvy hackers to mount cyber attacks or intrude into individual accounts.

And beware of fake website URLs. Enabling two-factor authentication (2 FA) can provide an additional level of security on exchanges and wallets. Transactions can be tracked and even hacked while in process, and even hardware wallets have their vulnerabilities.

And always protect your private key; if it is stolen or lost you are just plain out of luck. Your cryptos are completely unrecoverable!

2: Decide on Your Trading Instrument

You need to decide on what instrument you would like to trade in order to get exposure to the cryptocurrency market. Would you like to buy the physical coins on the exchange and store them or would you like to take a position on a derivative instrument such as a CFD.

This is also fundamental to risk management as the different cryptocurrencies have varying degrees of risk.

There are a number of well known and established cryptocurrency exchanges. These include the likes of Coinbase, Bitstamp. These will allow you to buy the coins on their exchange and then to store them in your wallet off line.

Other options that are open to you are to make use of Contracts for Difference (CFDs). There are a number of respecatable cryptocurrency CFD brokers. One of the most reputable is IQ option. You can read more about them in this IQ Option CFD Review.

3: Take large long-term positions and hodl.

Currencies like Bitcoin, Ethereum, Monero, Dash, and others can be held for long periods of time as the market continues to grow. Even in a bear market, like the current one, there is a large amount of interest by institutional investors, VCs and developers percolating under the surface that is set to drive the market in the future. This is a way to get rich slowly and steadily.

4: Take large long-term positions and hodl.

Currencies like Bitcoin, Ethereum, Monero, Dash, and others can be held for long periods of time as the market continues to grow. Even in a bear market, like the current one, there is a large amount of interest by institutional investors, VCs and developers percolating under the surface that is set to drive the market in the future. This is a way to get rich slowly and steadily.

5: Hedge Positions with Options.

Holding a position in a cryptocurrency without managing your risk can be quite risky. Hence, it makes sense to hedge your risk with the appropriate instruments. One of the most attractive risk management instruments that one can use are options.

These are instruments that will payout only if the price of the cryptocurrency is below or above a certain level. You also have to make sure that you are finding the best binary crypto broker before investing. There are a number of them that can make use of.

6: Don’t try to time the market

There may be a few wizards among us who can do that, and if that is you, you’re not reading this. For the rest of us, the best thing we can do is pay attention to charts and patterns, keep up to date with the market on a daily basis, and make your trade when it feels right. Over time you will develop a better sense of this, and you will sometimes fail, sometimes win, and always just keep on keepin’ on.

7: Do your homework and buy quality

This is one the most effective things you can do to minimize your risk. You want to evaluate the completeness of information on the whitepaper and the currency’s website, the reputation and history of the developers, the conversations occurring on Reddit and Twitter, the security of the platform, which exchanges offer the currency.

Also view the quantitative data like the market cap, monthly and yearly returns, trading frequency and levels of volatility. Answering these questions before investing can save you pain and loss by jumping too quickly. A parting comment; governments also pose ongoing risks to the trader, with threats to anonymity as they bring exchanges under their heel, crackdowns on the exchanges like the ones that occurred in China in 2017, increased regulation of ICOs (not necessarily all bad) and the intrusion of taxing authorities.

As the cryptocurrency space expands, all nations will be taking similar actions to either join the party or try to end it. In these uncertain times, make sure you know whom you are partying with and that they want to keep the party going.