Self-Builder Account: Can It Help Your Small Business?  

New business owners very often rely on their personal credit to get access to the necessary financing for their business. Are you a merchant interested in how you can rebuild your personal credit? Maybe you just need to take action to improve your credit after having taken some wrong steps, don’t you? What about a business cash advance bad credit? No worries. Just read the article below to know.

Personal Credit & Business Cash Advance Bad Credit

According to a survey by a company offering credit improvement services, about 40% of its small business customers were “credit ghosts.” These consumers lack enough credit history, thus becoming less eligible for business funding.

The good news is that there’re companies offering business owners their helping hand in managing business credit. With this type of company, you can open a self-builder account to build a business credit history.

These companies offer no credit check, so you can avoid headaches with your poor credit. Besides, they don’t require you to put down a security deposit. Also, you’ll be offered more affordable interest rates, no matter you’re a starter or a merchant with bad credit.

In fact, bad credit doesn’t mean you can never get access to business funding or open a merchant account for your online transactions. With reputable alternative online lenders that offer high risk business funding, you can enjoy not only easy access to working capital such as business cash advance bad credit but also cheap rates.

How to Improve Your Personal Credit

Did you know that the effectiveness of a credit-builder account depends on more than one factor? Here they’re:

  • How active you’ve been with your payments
  • The time spent on establishing credit
  • The number of tradelines your credit file contains
  • Your credit card usage
  • Are you late on your payments or not?

Now, let’s see what steps you can take to have a better personal credit score:

  1. Be wise about your spending
  2. Consider a credit builder loan
  3. Use a retail store card
  4. See whether your credit report has errors or not
  5. Stop borrowing or charging
  6. Use credit for affordable expenses
  7. Don’t let your balance or credit limit go higher
  8. Consider revolving debt
  9. Your balances must make up less than 30% of your high credit
  10. Balances below 50% (better 30%) must be paid down
  11. Never be late on your payments
  12. Apply for a credit limit increase
  13. Have a comprehensive plan for finance tracking
  14. Share credit with family and friends wisely
  15. Go through your credit reports regularly
  16. Keep your past due accounts cleaned up
  17. Fully pay your credit card balance
  18. Consider a secured loan
  19. Don’t forget about hard and soft credit checks
  20. Avoid canceling your credit card even if you aren’t using it
  21. Keep an emergency fund
  22. Get credit for the rent you pay
  23. Don’t go to collections for medical bills
  24. Choose lenders that report to credit bureaus

To sum up, positive credit history plays an important role in getting access to working capital, opening a merchant account, etc. Thankfully, you can take action to improve bad personal credit.

Author Bio: As the FAM account executive, Michael Hollis has funded millions by using business cash advance bad credit solutions. His experience and extensive knowledge of the industry has made him finance expert at First American Merchant.

Cleaning the Grossest Parts of the House

Keeping your home germ-free is essential when you’re trying to stay healthy, especially as flu season creeps closer. Stock up on cleaning cloths wholesale, bleach and scrubbing brushes; you’re going to need them!


You wipe your counters and do your dishes every day, but your kitchen might actually be a lot dirtier than you expected it to be. Germs love dark, moist places and your kitchen sink, refrigerator and dishwasher happen to fit the criteria.

  • Empty your refrigerator and give the inside a good cleaning. Make a solution of dish soap, water and vinegar and spray the walls and shelves. Clean drawers and removable shelves in the bathtub and let them soak with hot water and dish soap. When you reorganize your fridge, follow the tips for stocking it correctly.
  • Rinse and spray your sink with hot water and soap after every use, and nightly spray it down with bleach solution and wipe it with your cleaning cloths to kill any existing bacteria.
  • When your dishwasher is empty, check the inside for any food residue or anything foreign like broken glass and paper from labels. Scoop out any residue with a cloth or napkin and run your empty dishwasher on a wash cycle with vinegar and baking soda. This will eliminate any odors and freshen the plastic and metal inside the machine itself.


Kids are Petri dishes, especially if they attend public school or daycare. Clean their play area to prevent them from getting sick.

  • Run hard plastic toys through the dishwasher and let the heated dry cycle do its job. This is a natural way to sanitize toys without using chemicals.
  • Wash all curtains, pillows and blankets that might be in the room on the hottest cycle your washing machine has.
  • Sanitize doorknobs and light switches with a bleach solution and your wiping rags.

Take a day to deep clean the nastiest parts of your house to kill any bacteria or mold that might be making you sick. Preventing illness early can help keep you healthy for longer.…

How To Make Your Kitchen Child-Friendly

It is a well-known fact that if you show your kids how food is prepared and having them involved in meal preparation at an early age, they are more likely to make better choices in their lives and even avoid picky eating.
Introducing the young ones to the kitchen helps in developing skills that are helpful way beyond their childhood and even leave them with happy memories. However, before you can start doing so, it is imperative to ensure that you create a welcoming and most importantly, safe environment in which they can learn and enjoy food preparation, cooking, nutrition and all nooks and crannies of the kitchen.

That being said, here are a few tips for making your kitchen child-friendly:

Keep the Hot Regions Safe

Being vigilant is the most important thing when in the kitchen, but there are a few things you can do to minimise the risk from hot regions like boiling kettles and hobs. If possible, you may want to invest in an induction hob rather than using conventional gas or electric version. That’s because they are made to heat the pans and pots and not the hob itself. That means when you are done with cooking and remove the pan, the temperature quickly goes back to a safe level.

Avoid Sharp Edges

It is important to keep in mind that kids, unlike you, will have heads at about the same height as your kitchen cupboard handles or worktops and won’t have fully developed spatial awareness. This makes it easy to sustain cuts or bumps. Modern kitchen designs tend to have sleek edges, but when children in mind, you may want to go for a more rounded edges design. Granite worktops in Surrey or anywhere else can be made smooth and safe, too.

Ideally, going with handleless kitchen units can be an excellent way to avoid kids bumping on the handles, and ideally gets rid of the young ones’ temptation to pull the handles. It is also a good idea to add magnetic locks to the base units, but ensure you keep dangerous utensils and products on cabinets that are hard for the kids to reach.

Consider a ‘Children’s Cupboard’

Yes, you want to ascertain that your kitchen is a safe place for kids, but you ideally want to make it a space where they can learn and explore, which helps them take their first steps towards enjoying food and cooking. As such, you may want to consider a cupboard which is just for the children.

Pick a low-level unit that’s easily accessible for your kids and equip it with foodstuffs, utensils, etc. Include things like their favourite cups and plastic bowls so that they can be able to set their own place at the table.

Last but not least, in order to make the above modifications work, you need to ensure that you are friendly in the kitchen with the young ones. For a child to enjoy, the environment needs to be enjoyable and you’re the one to impact this. Being relaxed throughout will have an excellent long-term effect on your kids, helping them realise that the kitchen is actually a nice place to be. When you take the right steps to ensure that your kitchen is safe for children, you will be able to focus on enjoying quality time with the kids in the space.

Whether you are preparing food, dining or playing as a family, ensure you make the kitchen the heart of your household.…

6 Top Factors to Consider for a Solid Conservatory Roof

Glass roof conservatoryYou have been seeing adverts for solid conservatory roofs in the local paper, on billboards all over town and on the vans of local installers driving around your neighbourhood, but how can you know for sure if a solid roof conservatory is the right option for your house? And who should you hire to install one?

Below, we have compiled the top 5 factors you should consider when selecting an company to install a solid conservatory roof.

1. Do You Need a Solid Conservatory Roof for a Refurbishment or a Newly-built House?

The engineering and design that backs solid conservatory roofing systems mean that this type of roof is lightweight. It also means that it can be used to refurbish an old conservatory in addition to being used to construct a new tiled roof conservatory.

Some professionals in the industry and many homeowners refer to this as ‘retrofit.’ It allows old conservatories to be transformed that are too hot during the summer and too cold during the winter into an area that can be used all year long.

If you would like to have a new conservatory that has a solid roof, then you will need to find an installer who is able to do everything for the project, from building the walls and base to fitting the frames and then finally getting the solid roof installed.

2. Will You Need to Have New Doors and Windows Also?

When a new solid roof is installed it can really help to improve your conservatory’s energy efficiency. However, if the doors, windows, and frames are inefficient and old, you may not enjoy the full benefits that a new roof can provide. In this case it’s best to install new Solidor composite doors and new windows also. 

3. Building Regulations and Planning Permission for Conservatories

A majority of new-build conservatories that have either a glazed, tiled or solid roof do not require planning permission since they are covered under what is referred to as ‘permitted development.’ However, there are some conditions regarding size and placement. The Government’s Planning Portal has details on this.

Building Regulations apply when you are planning on building an extension on your house, but as long as certain conditions are met they do not apply to a conservatory. For a conservatory to be classified as a conservatory instead of an extension, it needs to be separate from your main home with external quality walls and/or doors and windows that meet the requirements of Building Regulation. It also will need to have its own independent heating system with separate temperature and on/off controls to the heating system in the main house.

If those measures are not met, then technically the conservatory is an extension which means that separate Building Regulations will be applicable. Even when you have a conservatory that is built in-line with those conditions, any electrical work, glazing, window, and doors will all need to meet specific Building Regulations.

4. Is the Workmanship of the Installer Certified?

You may be surprised to learn that not all building work that is conducted by contractors, installers and builders is actually certified. An installation company must register with a government approved, UKAS accredited certification scheme in order for this to be the case.

That is where ‘cowboy builder’ problems can occur and why the most reliable and trusted tradesmen with the best workmanship standards are the ones who decide to participate in a certification scheme.

5. What About Energy Efficiency and Insulation?

Insulation and the energy efficiency levels that result are among the most important questions that you need to ask your installer. One of the major reasons why most homeowners are interested in a conservatory refurbishment in the first place is due to their current one being inefficient, so this is definitely an important consideration.

Unlike doors and windows, conservatory roofs do not have a thermal rating system. Instead, the product brochure and your installer will probably discuss the U-Value of the roof.

The U-Value is a measurement of how effectively a material insulates. Thermal performance measures levels of heat loss and that is often called a U-Value. The lower that a U-Value is, the less heat is lost, so good thermal performance will have a low U-Value.

6. Can a New Roof Be Fitted on the Frames of Your Old Conservatory?

Yes, a new solid conservatory roof can be installed onto your old frames. The installer will conduct a survey and tell you whether or not they are well-suited to having a new solid conservatory roof installed on them.…

Making Your Kitchen Child Friendly

Introducing your children to how food is prepared and getting them involved in this from a young age will help them make healthier food choices later in life. Doing this will also help to prevent picky eating. Introducing your children to the kitchen will also help them build skills which benefit them in their adulthood. They will also have fond memories of the time spent together.

Before you start trying to get your children into the kitchen, you need to ensure that you have created a welcoming environment. The environment should also be safe so you can teach your children the wonders of food preparation, cooking and eating without any worries. If you ate unsure where to start with this, there are some tips that you can use.

Avoid Sharp Edges

The head of your young child will be at the same height as the kitchen cupboard handles and worktops. Young children also do not have full spatial awareness which means that bumps and cuts will happen often. A lot of modern kitchen designs have sleek edges and if you have young children you need to consider this. It is better to have a kitchen design with rounded edges instead.

You should also consider kitchen units that do not have handles. This will reduce the chance of bumps and the temptation to pull on the handle. Adding some magnetic locks to your lower units is also important and you should keep dangerous kitchen items out of reach.

Safe Hot Areas

There is no amount of childproofing that will make up for vigilance, but there are some steps that you need to take. This is particularly important when you look at the hot areas of your kitchen such as the hob and the boiling kettle. If possible, you should invest in an induction hob instead of a gas or electric one.

These hobs are designed to heat the pots and pans and not the actual hob. Once you have finished cooking on them, the hot area will return to a safe temperature much faster.

You might also install some glass splashbacks in your kitchen so that if you do cook with your little ones, there’s not so much mess to clean up afterwards!

Have A Childs Cupboard

While you need to make the kitchen child safe, you also need to provide your children with some space to explore and learn. This will help them take their first steps to enjoying cooking and food. One of the best solutions will be to have a cupboard that is just for them.

You will need to choose a low-level base unit for this as they are easier for children to access. The cupboard should then be equipped with food stuffs, safe utensils and safe equipment. Your child’s favourite plastic cups and bowls should be there so they can set their own place at the table.

Enjoy Yourself

If you want to ensure that your kitchen is a child friendly room, you need to be just as friendly when you are there with your children. When you take all the steps to make the kitchen safe, you are giving yourself the chance to enjoy your time in the kitchen with your children. When you are relaxed in the kitchen, it will have a long-term effect on your children and make them associate the room with good things.

Whether you are preparing food for the whole family together, playing or having a family meal, you need to make the kitchen the heart of your home. Making the room child safe will give you more time to spend with your children without any worries.…

2 Easy Ways To Identify Hydraulic Hose Fittings

Today, most industrial equipment relies on hydraulic systems to properly operate. These machines use adapters and fittings with a variety of thread forms and sealing methods. Unfortunately, all the thread forms look similar, so the different fittings are usually identified by the sealing method used. However, this can be difficult to do when equipment needs to be repaired. Consider the two easiest ways to determine which fitting you have.

1. Determine the Fitting Type

There are only two types of hydraulic Hose fittings Fort Worth TX: reusable and permanent. Reusable fittings are no longer commonly used because they are considered to be outdated technology. You can identify a reusable fitting because it is placed on a hose by using only a vise and a wrench. Reusable fittings typically cost more than permanent fittings as well.

Permanent fittings, also known as crimped hydraulic fittings, are the most popular in the fluid power market because they are easier to attach. However, to attach a permanent fitting, you will need crimping equipment or swaging tools.

2. Identify the Sealing Method

The most common hydraulic fittings you’ll find are mated angle, O-ring and threaded. The mated angle seat fittings have sealing threads that are either straight or parallel. The two mating angle seats form a seal with they are brought together.

There are several types of O-ring designs – boss, flange, seal – but they all have an O-ring seal that creates the closure.

The tapered fittings have either male or female threads. The female threads are on the inside, and the male threads are on the outside. Threading the two together applies pressure on the couplings, thus making a tight seal.

Keeping your industrial equipment running smoothly can be a big task. Being able to accurately and quickly identify which hydraulic hose fittings you need to replace can save time and money.…

3 Benefits of Pneumatic Motors

Pneumatic motors are also known as air motors, and they are used in a variety of applications like chemical, food, agricultural, and nuclear industries. They work well wen there is a lot of demand in the operating environment, but they also have several advantages. In addition to being able to repair and improve performance through things like the Gast air motor rebuild kit, these motors a smart investment in heavy-duty applications.

1. Safety

The best argument in favor of air motors is their advantage in the area of safety. These motors do not produce any sparks, and they don’t overheat. This greatly reduces the risk of fire or explosion in production or operation areas. They also have a reduced risk of jamming and are not sensitive to electromagnetic interference.

2. Flexibility

For pneumatic motors, flexibility allows them to operate in any positions and without a sophisticated control system. The torque can be easily varied, as well as the rotation speed, through simple tweaking. The air supply flow or pressure levels can be easily adjusted to affect output. They have a power-to-weight ratio that is almost 6 times higher than that of an electric motor, so you get the most out of a limited space application. The rotations can go in either direction, and they are resistant damage when rapid reversals occur. They still operate in extreme temperature as well.

3. Reliability

When an air motor stalls, it doesn’t deteriorate or heat up. It also won’t generate any current peaks when it is starting up. The supplied air expansion works to keep it continuously cool, which prevents the motor from overheating even when operating at high speeds.

Air motors allow you to increase your productivity. The installation and maintenance costs are reduced, leaving you time and money for other areas of operation. These motors can be effective alternatives to the hydraulic or electric motors on the market.…

Selecting a Supplier to Help Your Business Grow

No matter what kind of products or services you offer, you need to have a supplier that gets high quality supplies to you on time. You need your supplies to meet your quality requirements and your time constraints. Here are some tips that will help you whether you need a supplier of deaerators, machine parts or any type of equipment.

Decide What Is Important to You

While many things are necessary when working with a supplier, some are critical. Perhaps the supplier’s method of quality assurance is most important so that you are assured of getting the best and most efficient equipment. The length of time from your order to delivery may be the most important thing so that you can get your products to your customers. Delivery methods can impact you either positively or negatively. Being able to return defective pieces because satisfaction is guaranteed may be very important. And of course, payment terms are often one of the most critical factors in deciding on a supplier.

Ask for and Evaluate Bids

Once you know what you need, put your selection process criteria to work for you when calling for bids. If you have everything you need in the requirements you give out, you can compare the offers against your list to see which contractors best meet your criteria. If you’ve ranked your needs, you can decide whether or not each provider can meet them.

Make a Selection and Keep an Eye on Things

Once you have chosen a company to work with, keep communication lines open and monitor how your supplier is doing. If they meet your needs as promised, you are likely to stick with them and enjoy a mutually beneficial relationship. Otherwise, you can start the process again rather than renewing a contract that doesn’t meet your needs.…