newslo--2020-04-15--Theft Damage Claim Lawyer

Theft Damage Claim Lawyer

Thieves are a big inconvenience to honest , hardworking property owners .
If someone breaks into your commercial building or residential home , you can expect to incur property damage and stolen possessions .
Not only that , but thieves violate your privacy by invading your personal location without an invitation .
It can make some people feel uneasy and scared to ever go back to their property again .
Theft damage is covered by many property insurance policies in Florida .
However , you need to pay attention to the provisions of the coverage because they have specific rules @ @ @ @ @ @ @ claims .
Do not assume that theft , robbery , and burglary all fall under one category because they do not .
Let ’ s examine the differences between them .
Theft – If something is stolen or taken from your property in any possible way , then it is considered “ theft.
’ Robbery – If something is stolen or taken from your property by an act of violence of force , then it is a “ robbery.
” Burglary – If an intruder damages the place of entry , such as @ @ @ @ @ @ @ to get inside your property , then it is a burglary .
If you don ’ t file your claim properly , you could end up paying a separate deductible for each of the theft , robbery , and burglary acts that occurred .
It might not be worth it if you elected to have a higher deductible .
Before you file your theft damage claim , you might want to consider calling the theft damage claim lawyers of the Louis Law Group first .
We can advise you on the best way @ @ @ @ @ @ @ ’ d like , we can even file the claim for you and ensure that it is done properly .
Otherwise , you could end up paying more money in deductibles .
Stolen items could earn you the most compensation .
The average Florida insurance policy offers coverage specifically for stolen items from your property .
These are often valuable or irreplaceable items that will affect you financially and emotionally .
Some examples of these items include the following : • Cash , coins and other forms of money If any valuable items @ @ @ @ @ @ @ , then you may receive compensation from the theft damage coverage of your insurance policy .
What to Do If a burglary or robbery has resulted in the theft of your personal items and property , then you need to take action immediately .
Here are the basic steps that you need to take : • Make a list of all the valuable items that were stolen .
Try to be as specific as possible in describing the items .
For instance , if a computer was stolen , then write down the @ @ @ @ @ @ @ .
• Gather photographs and receipts of these items if available .
• Write down the date and time that you believe the items were stolen .
• Notify the police about the theft .
They will create a police report , which is helpful for the insurance claim .
If you ’ ve done all of these things , the next step is to contact a theft damage claim lawyer .
You could file the claim first , but it is better to have legal representation in this situation .
Theft claims @ @ @ @ @ @ @ companies .
You ’ d be better off with experienced legal minds on your side to ensure that you receive the compensation that you deserve for the stolen property .
Insurance companies get suspicious about stolen item claims because they might not believe that certain valuable items were stolen .
If you can not prove those items were stolen , then your insurance company may deny or underpay your claim .
For this reason , you need the best possible defense against their suspicions and distrust .
The Louis Law Group employs an @ @ @ @ @ @ @ that can assist you with your ordeal .
Once we ’ re onboard to representing you , we can file the theft damage insurance claim on your behalf .
Your insurance company will be more willing to approve your insurance claim after they see that you have real legal representation on your side .
If not , then we will keep fighting until they agree to a fair settlement for the damage you incurred .

Thieves are a big inconvenience to honest, hardworking property owners. If someone breaks into your commercial building or residential home, you can expect to incur property damage and stolen possessions. Not only that, but thieves violate your privacy by invading your personal location without an invitation. It can make some people feel uneasy and scared to ever go back to their property again.
Theft damage is covered by many property insurance policies in Florida. However, you need to pay attention to the provisions of the coverage because they have specific rules in place when it comes to filing claims. Do not assume that theft, robbery, and burglary all fall under one category because they do not. Let’s examine the differences between them.
Theft – If something is stolen or taken from your property in any possible way, then it is considered “theft.’
Robbery – If something is stolen or taken from your property by an act of violence of force, then it is a “robbery.”
Burglary – If an intruder damages the place of entry, such as your doors or windows, in order to get inside your property, then it is a burglary.
If you don’t file your claim properly, you could end up paying a separate deductible for each of the theft, robbery, and burglary acts that occurred. It might not be worth it if you elected to have a higher deductible.
The Benefits of a Theft Damage Claim Lawyer
Before you file your theft damage claim, you might want to consider calling the theft damage claim lawyers of the Louis Law Group first. We can advise you on the best way to file your claim. If you’d like, we can even file the claim for you and ensure that it is done properly. Otherwise, you could end up paying more money in deductibles.
Stolen items could earn you the most compensation. The average Florida insurance policy offers coverage specifically for stolen items from your property. These are often valuable or irreplaceable items that will affect you financially and emotionally. Some examples of these items include the following:
Computers and mobile devices
Business inventory and other commercial-related property
Gold and silver
Cash, coins and other forms of money
Credit cards, deeds, stamps, securities
Firearms
If any valuable items like these are missing from your property, then you may receive compensation from the theft damage coverage of your insurance policy.
What to Do
If a burglary or robbery has resulted in the theft of your personal items and property, then you need to take action immediately. Here are the basic steps that you need to take:
Make a list of all the valuable items that were stolen. Try to be as specific as possible in describing the items. For instance, if a computer was stolen, then write down the brand and the specifications of the computer.
Gather photographs and receipts of these items if available.
Write down the date and time that you believe the items were stolen.
Notify the police about the theft. They will create a police report, which is helpful for the insurance claim.
If you’ve done all of these things, the next step is to contact a theft damage claim lawyer. You could file the claim first, but it is better to have legal representation in this situation. Theft claims can get tricky when dealing with insurance companies. You’d be better off with experienced legal minds on your side to ensure that you receive the compensation that you deserve for the stolen property.
Insurance companies get suspicious about stolen item claims because they might not believe that certain valuable items were stolen. If you cannot prove those items were stolen, then your insurance company may deny or underpay your claim. For this reason, you need the best possible defense against their suspicions and distrust.
The Louis Law Group employs an elite group of theft damage claim lawyers that can assist you with your ordeal. Once we’re onboard to representing you, we can file the theft damage insurance claim on your behalf. Your insurance company will be more willing to approve your insurance claim after they see that you have real legal representation on your side. If not, then we will keep fighting until they agree to a fair settlement for the damage you incurred.


newslo--2020-04-14--Investing in Precious Metals for Beginners

Investing in precious metals is challenging and somewhat frightening if you ’ re brand-new to this investment style .
Since the process is totally new to you , you might have your reservations about getting started .
On the other hand , you realize it ’ s a smart investment , and it ’ s especially true in a confusing and depressed market .
The best way to purchase gold , silver , platinum , or palladium is through a precious metals IRA .
Why ?
We prefer this investment vehicle because of the many benefits it provides , which @ @ @ @ @ @ @ .
Are you prepared to become an investor in precious metals ?
Keep your worries on the back burner because we ’ ll help you begin opening an account and investing in a gold IRA .
To find out more about this process , and other pertinent information , keep reading to discover our strategy .
Three Reasons to Invest in a Precious Metals IRA ( Especially during the Coronavirus Crisis ) The coronavirus has completely blindsided America and the rest of the financial world .
Although we ’ re not necessarily in @ @ @ @ @ @ @ forced to temporarily close the economy while dealing with the virus .
The extent of the damage to the economy isn ’ t known yet .
But the longer businesses remain shuttered , the more people will lose their jobs as businesses close forever .
Guess what ?
Between the recent $ 2 trillion stimulus package and the additional $ 2.3 trillion offered by the Federal Reserve , the US dollar will experience serious devaluation .
What does this mean ?
It means you ’ ll need more money to purchase the same @ @ @ @ @ @ @ , companies aren ’ t raising prices because they ’ re afraid of being accused of price gouging during a crisis .
Though over the next six months , the price of milk , eggs , toilet paper , and other goods will likely rise .
But you can protect yourself from inflation .
Here are three reasons to invest in gold , silver , platinum , and palladium : 1 .
Corporate Debt Is at an All-Time High Interest rates have been lower than ever for the last 10 years , even @ @ @ @ @ @ @ Now rates are even lower .
With interest rates practically down to nothing , corporations have borrowed massive amounts of money because it ’ s cheap .
These unusually low interest rates have caused corporate debt to grow out of control .
Why ?
Many big corporations fail to use their borrowed money responsibly .
You ’ d think they ’ d use this cash to invest in their business to create additional revenue and jobs .
Too often this isn ’ t what happens .
Instead , they use their borrowed money @ @ @ @ @ @ @ back stock , and compensate their executives handsomely for subpar work .
As usual , large corporations have made themselves vulnerable and everyone will suffer now that the bubble finally busted .
2 .
The Stock Market Is in Massive Flux Right now , stock market investors and big financial institutions are afraid of the future .
With the coronavirus looming , we have no idea when things will get back to normal .
We have no clue of the overall ramifications of this deadly virus and its overall effects on the economy @ @ @ @ @ @ @ market has seen some of its biggest losses since the Great Depression .
Although the market has temporarily bounced back , the bulls will likely lose the battle for stock market supremacy for the time being .
Even financial guru Jim Cramer feels the market is currently overbought .
And with all the uncertainty about our future , he feels it will go much lower in the near term .
George Soros , John Paulson , and other big-name investors are trimming their stock market positions right now .
As the saying goes @ @ @ @ @ @ @ safe than sorry .
Investing in a precious metals IRA is much safer right now .
In fact , gold has gained an additional 12 % in value over the past six months .
The DJIA , on the other hand , has dropped more than 5000 points since February .
3 .
The Trend Is Not Our Friend We ’ re seeing scary financial trends right now .
In fact , these trends remind us of things that happened prior to other financial collapses .
So it ’ s frightening to see @ @ @ @ @ @ @ .
Prior to the market taking a major hit in March 2020 , the S & P 500 was valued 60 % higher than it was actually worth .
Prices have come down quite a bit since then , but this is terrifying nonetheless .
Why ?
The S & P 500 only acted this way on three other occasions .
It was like this in 1929 before Black Tuesday .
It was like this in 2000 before the tech bubble burst .
And it was like this in 2007 before the housing @ @ @ @ @ @ @ Smart investors will protect themselves from these dangerous financial situations .
They ’ ll invest in precious metals , the only commodity that gains value during times of economic uncertainty .
Seven Factors to Look for When Choosing a Gold IRA Company Not all precious metals IRA companies were created equally .
In fact , certain companies have better reputations than others .
Instead of choosing a gold company for you , we ’ ve decided to educate you as an alternative .
After evaluating numerous gold companies throughout the years , we @ @ @ @ @ @ @ use when assessing these services .
Each factor is important individually , but combined they determine if a gold company is worthy of your investment .
When investing in gold , silver , and other precious metals , it ’ s important to buy physical metals .
You aren ’ t trying to buy mining stocks , gold ETFs , or even numismatic coins .
The IRS has only approved specific precious metals for a gold IRA account .
But many gold companies sell metals that aren ’ t IRA approved , so @ @ @ @ @ @ @ a broker .
Otherwise you may end up purchasing gold or silver coins or bars that aren ’ t acceptable in a precious metals IRA .
Certain high-level companies focus strictly on selling gold for precious metals IRA accounts .
Choose this style of broker to set up your self-directed IRA .
2 .
How Well Do They Stack up on Peer-Reviewed Websites ?
Some gold companies fare better than others on peer-reviewed websites like the Better Business Bureau , Business Consumer Alliance , or Trustlink .
As an investor , your goal @ @ @ @ @ @ @ you ’ re considering a particular gold company , see how they stack up on peer-reviewed websites .
Do they have an A+ rating on the BBB ?
Has the Consumer Business Alliance given them an AAA rating ?
Do they have too many unresolved complaints ?
You should only choose a gold broker with a top rating and zero or few complaints .
Otherwise you ’ re shortchanging yourself by doing business with an inferior organization .
3 .
Do They Have an Overabundance of IRA Fees ?
Every gold broker will @ @ @ @ @ @ @ for the course and you should expect them .
Just because a company charges fees , it doesn ’ t mean they should overcharge their clients .
Some brokers charge higher fees than others .
Pay attention to these additional costs because they minimize the value of your investments .
Find a gold company with low fees and an excellent reputation and you ’ ll be fine .
4 .
Do They Offer Segregated or Co-Mingled Stockpiling ?
You want your gold investments safe and secure .
You do not want them locked @ @ @ @ @ @ @ other investors .
Find a gold broker that offers segregated storage .
Otherwise your gold will be co-mingled with other people ’ s investments , which isn ’ t a good idea .
5 .
Does the Gold IRA Company Have a Precious Metals Buyback Program ?
No one can predict the future , unless your name is Nostradamus .
And even he got many of his predictions wrong .
Guess what ?
You might run into financial difficulties at some point before retirement .
And you may need to sell some of @ @ @ @ @ @ @ broker that has a rock solid buyback program .
Make sure they pay the going rate for your investments , even if this rate is higher than what you paid .
Some precious metals companies have terrible customer service .
Even worse , they bombard their customers with sales pitch after sales pitch , which can be very annoying .
You do not need your gold broker constantly trying to sell you new products .
And you need your questions answered promptly and correctly when you have them .
Find a gold broker @ @ @ @ @ @ @ And make sure they aren ’ t going to hit you over the head with a million sales pitches every week .
7 .
Do They Provide Fast Account Set up and Delivery ?
Some brokers take forever to set up your gold IRA account .
Other brokers take forever to ship your gold to your dedicated vault .
Make sure your broker excels in both of these areas .
Otherwise you ’ ll be very unhappy with their service .
The Right Way to Begin Investing in Precious Metals Before we leave @ @ @ @ @ @ @ , investing in a gold IRA shouldn ’ t be difficult .
Believe it or not , it ’ s very easy if you pay attention to our guidelines above .
Instead of choosing the first gold company to come along , take a few days to research your options .
You don ’ t want to choose a company with a bad reputation .
They ’ ll end up disappointing you at some point during the precious metals IRA buying process .
Who needs the hassle ?
You have other things to @ @ @ @ @ @ @ collapsing economy , and the fear of losing your job .
Please use this guide to your advantage .
And remember to begin investing in gold to protect yourself from the recession , the disintegrating US dollar , and the economic uncertainty created by the devastating effects of the pandemic currently rocking our world .

Investing in precious metals is challenging and somewhat frightening if you’re brand-new to this investment style. Since the process is totally new to you, you might have your reservations about getting started. On the other hand, you realize it’s a smart investment, and it’s especially true in a confusing and depressed market.
The best way to purchase gold, silver, platinum, or palladium is through a precious metals IRA. Why? We prefer this investment vehicle because of the many benefits it provides, which we’ll share in a moment.
Are you prepared to become an investor in precious metals? Keep your worries on the back burner because we’ll help you begin opening an account and investing in a gold IRA.
To find out more about this process, and other pertinent information, keep reading to discover our strategy.
Three Reasons to Invest in a Precious Metals IRA (Especially during the Coronavirus Crisis)
The coronavirus has completely blindsided America and the rest of the financial world. Although we’re not necessarily in a complete meltdown, we’re forced to temporarily close the economy while dealing with the virus.
The extent of the damage to the economy isn’t known yet. But the longer businesses remain shuttered, the more people will lose their jobs as businesses close forever.
Guess what? Between the recent $2 trillion stimulus package and the additional $2.3 trillion offered by the Federal Reserve, the US dollar will experience serious devaluation.
What does this mean? It means you’ll need more money to purchase the same goods and services.
As of now, companies aren’t raising prices because they’re afraid of being accused of price gouging during a crisis. Though over the next six months, the price of milk, eggs, toilet paper, and other goods will likely rise.
But you can protect yourself from inflation. Here are three reasons to invest in gold, silver, platinum, and palladium:
1. Corporate Debt Is at an All-Time High
Interest rates have been lower than ever for the last 10 years, even before the coronavirus crisis kicked in. Now rates are even lower.
With interest rates practically down to nothing, corporations have borrowed massive amounts of money because it’s cheap. These unusually low interest rates have caused corporate debt to grow out of control.
Why? Many big corporations fail to use their borrowed money responsibly. You’d think they’d use this cash to invest in their business to create additional revenue and jobs. Too often this isn’t what happens.
Instead, they use their borrowed money to give huge executive bonuses, buy back stock, and compensate their executives handsomely for subpar work.
As usual, large corporations have made themselves vulnerable and everyone will suffer now that the bubble finally busted.
2. The Stock Market Is in Massive Flux
Right now, stock market investors and big financial institutions are afraid of the future. With the coronavirus looming, we have no idea when things will get back to normal. We have no clue of the overall ramifications of this deadly virus and its overall effects on the economy.
In recent weeks, the stock market has seen some of its biggest losses since the Great Depression. Although the market has temporarily bounced back, the bulls will likely lose the battle for stock market supremacy for the time being.
Even financial guru Jim Cramer feels the market is currently overbought. And with all the uncertainty about our future, he feels it will go much lower in the near term.
George Soros, John Paulson, and other big-name investors are trimming their stock market positions right now. As the saying goes, it’s better to be safe than sorry.
Investing in a precious metals IRA is much safer right now. In fact, gold has gained an additional 12% in value over the past six months. The DJIA, on the other hand, has dropped more than 5000 points since February.
3. The Trend Is Not Our Friend
We’re seeing scary financial trends right now. In fact, these trends remind us of things that happened prior to other financial collapses. So it’s frightening to see the US economy heading in this direction.
Prior to the market taking a major hit in March 2020, the S&P 500 was valued 60% higher than it was actually worth. Prices have come down quite a bit since then, but this is terrifying nonetheless.
Why? The S&P 500 only acted this way on three other occasions. It was like this in 1929 before Black Tuesday. It was like this in 2000 before the tech bubble burst. And it was like this in 2007 before the housing markets and financial markets completely imploded.
Smart investors will protect themselves from these dangerous financial situations. They’ll invest in precious metals, the only commodity that gains value during times of economic uncertainty.
Seven Factors to Look for When Choosing a Gold IRA Company
Not all precious metals IRA companies were created equally. In fact, certain companies have better reputations than others. Instead of choosing a gold company for you, we’ve decided to educate you as an alternative.
After evaluating numerous gold companies throughout the years, we’ve discovered seven important factors to use when assessing these services. Each factor is important individually, but combined they determine if a gold company is worthy of your investment.
1. Does the Gold Broker Sell IRS Approved Physical Precious Metals?
When investing in gold, silver, and other precious metals, it’s important to buy physical metals. You aren’t trying to buy mining stocks, gold ETFs, or even numismatic coins.
The IRS has only approved specific precious metals for a gold IRA account. But many gold companies sell metals that aren’t IRA approved, so you must be diligent when searching for a broker. Otherwise you may end up purchasing gold or silver coins or bars that aren’t acceptable in a precious metals IRA.
Certain high-level companies focus strictly on selling gold for precious metals IRA accounts. Choose this style of broker to set up your self-directed IRA.
2. How Well Do They Stack up on Peer-Reviewed Websites?
Some gold companies fare better than others on peer-reviewed websites like the Better Business Bureau, Business Consumer Alliance, or Trustlink.
As an investor, your goal is to choose the best. If you’re considering a particular gold company, see how they stack up on peer-reviewed websites.
Do they have an A+ rating on the BBB? Has the Consumer Business Alliance given them an AAA rating? Do they have too many unresolved complaints?
You should only choose a gold broker with a top rating and zero or few complaints. Otherwise you’re shortchanging yourself by doing business with an inferior organization.
3. Do They Have an Overabundance of IRA Fees?
Every gold broker will have IRA fees. This is par for the course and you should expect them. Just because a company charges fees, it doesn’t mean they should overcharge their clients.
Some brokers charge higher fees than others. Pay attention to these additional costs because they minimize the value of your investments. Find a gold company with low fees and an excellent reputation and you’ll be fine.
4. Do They Offer Segregated or Co-Mingled Stockpiling?
You want your gold investments safe and secure. You do not want them locked in a vault shared by hundreds of other investors.
Find a gold broker that offers segregated storage. Otherwise your gold will be co-mingled with other people’s investments, which isn’t a good idea.
5. Does the Gold IRA Company Have a Precious Metals Buyback Program?
No one can predict the future, unless your name is Nostradamus. And even he got many of his predictions wrong.
Guess what? You might run into financial difficulties at some point before retirement. And you may need to sell some of your gold quickly.
Find a gold broker that has a rock solid buyback program. Make sure they pay the going rate for your investments, even if this rate is higher than what you paid.
6. Do They Offer Solid Customer Support?
Some precious metals companies have terrible customer service. Even worse, they bombard their customers with sales pitch after sales pitch, which can be very annoying.
You do not need your gold broker constantly trying to sell you new products. And you need your questions answered promptly and correctly when you have them.
Find a gold broker with excellent customer service and support. And make sure they aren’t going to hit you over the head with a million sales pitches every week.
7. Do They Provide Fast Account Set up and Delivery?
Some brokers take forever to set up your gold IRA account. Other brokers take forever to ship your gold to your dedicated vault. Make sure your broker excels in both of these areas. Otherwise you’ll be very unhappy with their service.
The Right Way to Begin Investing in Precious Metals
Before we leave, please remember that as a beginner, investing in a gold IRA shouldn’t be difficult. Believe it or not, it’s very easy if you pay attention to our guidelines above.
Instead of choosing the first gold company to come along, take a few days to research your options. You don’t want to choose a company with a bad reputation. They’ll end up disappointing you at some point during the precious metals IRA buying process.
Who needs the hassle? You have other things to worry about with the coronavirus, the collapsing economy, and the fear of losing your job.
Please use this guide to your advantage. And remember to begin investing in gold to protect yourself from the recession, the disintegrating US dollar, and the economic uncertainty created by the devastating effects of the pandemic currently rocking our world.


newslo--2020-04-13--Ways to Boost Your Credit Scores Within 6 Months

Those improve your credit score ads you see online are often full of inaccuracies and misinformation .
Fortunately , it is possible to increase your scores , but the process takes time , patience , and discipline .
There are no overnight remedies if you currently have less than average ratings from the three major bureaus .
There is good news .
Consumers who are willing to wait several months , pay down their plastic , and do a few other things can see a reasonable improvement in their overall bureau ratings .
Here are five commonsense tactics that just @ @ @ @ @ @ @ paying down card balances is cutting out excess fat from your monthly budget .
Effective first steps include joining a wholesale club to buy groceries at a discount , selling some of your personal items in online auctions , and refinancing student loans .
When you opt to refinance educational debt , you reap several benefits .
Not only do you often get more time to pay and a lower interest rate , but a refi can mean lower monthly payments .
That frees up cash for paying down those card balances .
@ @ @ @ @ @ @ carefully .
If they look unfamiliar , ask a consumer counselor or a loan department at your local bank to help you interpret the data .
Make note of any derogatory marks like late or missed payments .
If anything is in error , contact the company that reported the data and ask them to start a dispute process .
Also , contact the bureau with a written record of your correspondence with the creditor .
If the derogatory mark is correct , try fixing it by catching up on payments or paying @ @ @ @ @ @ @ you have several card accounts and have paid them all down to zero or close to zero balances , resist the urge to close them .
Keeping accounts open shows your percentage of utilized credit as a very low number .
That ’ s good for the purposes of your overall scores .
To make sure you don ’ t miss car , mortgage , rent , utility , and other monthly payments , consider setting up all your routine expenses as auto-pay amounts with your preferred bank .
Many people find this @ @ @ @ @ @ @ strategy for never missing a payment .
That means you won ’ t have to worry about those nasty derogatory marks ever again .
Just remember to keep enough cash in your account to cover all the automatic deductions .
Late and missed payments are one of the three key factors that determine your overall bureau scores .
The core component of your credit rating is the amount of available credit that you use .
That ’ s why it ’ s important to pay cards down as much as possible , not @ @ @ @ @ @ @ for more credit .
You don ’ t need any hard inquiries from potentially new creditors pulling your score down .
Stick with the plastic you already have , minimize those balances , and don ’ t close out any accounts .

Those improve your credit score ads you see online are often full of inaccuracies and misinformation. Fortunately, it is possible to increase your scores, but the process takes time, patience, and discipline. There are no overnight remedies if you currently have less than average ratings from the three major bureaus. There is good news. Consumers who are willing to wait several months, pay down their plastic, and do a few other things can see a reasonable improvement in their overall bureau ratings.
Here are five commonsense tactics that just about anyone can take
Pay Down Credit Cards
The trick to paying down card balances is cutting out excess fat from your monthly budget. Effective first steps include joining a wholesale club to buy groceries at a discount, selling some of your personal items in online auctions, and refinancing student loans. When you opt to refinance educational debt, you reap several benefits. Not only do you often get more time to pay and a lower interest rate, but a refi can mean lower monthly payments. That frees up cash for paying down those card balances.
Eliminate Negative Information
Obtain your bureau reports and examine them carefully. If they look unfamiliar, ask a consumer counselor or a loan department at your local bank to help you interpret the data. Make note of any derogatory marks like late or missed payments. If anything is in error, contact the company that reported the data and ask them to start a dispute process. Also, contact the bureau with a written record of your correspondence with the creditor. If the derogatory mark is correct, try fixing it by catching up on payments or paying off the amount in full.
Don’t Close Accounts
If you have several card accounts and have paid them all down to zero or close to zero balances, resist the urge to close them. Keeping accounts open shows your percentage of utilized credit as a very low number. That’s good for the purposes of your overall scores.
Use Automatic Bill Pay
To make sure you don’t miss car, mortgage, rent, utility, and other monthly payments, consider setting up all your routine expenses as auto-pay amounts with your preferred bank. Many people find this method a set it and forget it strategy for never missing a payment. That means you won’t have to worry about those nasty derogatory marks ever again. Just remember to keep enough cash in your account to cover all the automatic deductions. Late and missed payments are one of the three key factors that determine your overall bureau scores.
Don’t Apply for More Credit
The core component of your credit rating is the amount of available credit that you use. That’s why it’s important to pay cards down as much as possible, not close any accounts, and not apply for more credit. You don’t need any hard inquiries from potentially new creditors pulling your score down. Stick with the plastic you already have, minimize those balances, and don’t close out any accounts.


newslo--2020-04-12--How to Clean a Sewer in 7 Simple Steps

How to Clean a Sewer in 7 Simple Steps

If your toilet isn ’ t flushing properly or you can smell sulphur in your shower , the chances are you have a sewer problem .
How to clean a sewer isn ’ t something most of us have ever had to learn .
But it isn ’ t difficult and knowing what to do can save you the trouble of calling out a professional plumber .
With the right equipment and a willingness to smell some things you never really wanted to , you can clean out the blocks in your sewer lines .
To help you handle this @ @ @ @ @ @ @ we ’ ve put together the 7 simple steps you need to follow .
Read on to become a “ pro ” sewer cleaner 1 .
Identify That You Have a Problem The first step in learning how to clean a sewer is to work out that you have a sewer problem in the first place .
There are some common and easy ways to tell if your sewer is blocked .
If your shower floods or doesn ’ t drain properly you probably have a blocked sewer line .
If you can @ @ @ @ @ @ @ could well be the sewer .
If your toilet doesn ’ t flush as it should , it could well be time to clean the sewer .
Cleaning a sewer is only recommended when you think the blockage might be caused by a simple block in the line .
These blockages usually come from flushing things other than toilet paper and waste down the toilet .
If you think this is what you ’ re dealing with then taking on the cleaning project is something you can do .
If you are concerned @ @ @ @ @ @ @ ’ ll need a professional .
One of the most common , but serious issues is when a tree root cracks a sewer pipe .
Look for trees near or over where you think the sewer line is .
Once you are confident your block is caused by something simple you can take on this “ lovely ” job yourself .
Depending on how old your house is , the drain pipe cleanout could be inside , outside , or not exist at all .
If you have a basement check near the @ @ @ @ @ @ @ in .
Outside , look for the drain pipe raised above the ground .
Once you ’ ve located it , it ’ s time to get yourself ready for this dirty job .
3 .
Protection and Equipment Are Crucial Parts of How to Clean a Sewer You ’ ll want some heavy-duty gloves .
Wear old clothes you don ’ t mind getting a little dirty , too .
Rent a plumbing snake from a DIY store .
These aren ’ t cheap to rent but they ’ re much cheaper @ @ @ @ @ @ @ .
You can even rent a sewer cleaner that comes with its own truck .
For most jobs that don ’ t need a professional , you should be ok with a gas-powered cleaner , though .
Now you know where the drain is and you ’ ve got your equipment and protective gear , open up the drain cap .
Loosen the cap a bit first .
When you ’ re ready , quickly remove the cap completely and step back out of the way .
There ’ s a good chance @ @ @ @ @ @ @ of the top of the drain .
Let the sewage spill out and stop before moving on to the next step .
The plumbing snake you have rented will have a long hose and claw-type end .
Feed this hose into the drain .
Push the hose down into the drain until you feel resistance .
That resistance is , hopefully , the clog that is blocking your sewer line .
When you feel resistance , carefully push the plumbing snake through the blog as much as you can .
Once you ’ @ @ @ @ @ @ @ clog , run the engine .
Allow the plumbing snake to run until the clog is completely removed .
When the clog is gone , the water in the drainpipe will start to go down .
The water will drop until you can ’ t see it in the drainpipe cleanout anymore .
Keep running the machine even after the water has dropped .
the hose will continue to work its way down the pipe .
It might find other clogs and remove those , too .
Once you are sure the blockage @ @ @ @ @ @ @ back out of the drainpipe .
As you do this , clean the hose off with a garden hose .
Run the water over the plumbing snake as you wind it back on to the rented sewer cleaner .
Once you have the plumbing snake out of the drainpipe , spray the garden hose at full blast down the drain .
This will help remove any debris that the plumbing snake has pulled back with it as you pulled it out .
Put the drainpipe cleanout cap back on and close it tightly @ @ @ @ @ @ @ fumes coming out of the cap .
A tight seal will also help drain water from your sinks , toilet , and shower .
Learning How to Clean a Sewer Can Save You Money Knowing how to clean a sewer can save you from having to hire a professional .
You ’ ll save money and you should have your drains running once again .
If you don ’ t notice an improvement , you might have a more serious issue , such as a broken pipe .
In that case , you @ @ @ @ @ @ @ to make sure .
Follow the steps in this guide .
Make sure you are prepared and have the appropriate clothing and equipment .
Take your time and you ’ ll be able to make sure the sewer pipe is cleared out and ready to go again .
For more handy , home tips visit our website .
We update our articles regularly .
We ’ ve got you covered with how-tos and advice on your home , business , finance , and more .

If your toilet isn’t flushing properly or you can smell sulphur in your shower, the chances are you have a sewer problem.
How to clean a sewer isn’t something most of us have ever had to learn. But it isn’t difficult and knowing what to do can save you the trouble of calling out a professional plumber.
With the right equipment and a willingness to smell some things you never really wanted to, you can clean out the blocks in your sewer lines.
To help you handle this dirty job in the right way, we’ve put together the 7 simple steps you need to follow.
Read on to become a “pro” sewer cleaner
1. Identify That You Have a Problem
The first step in learning how to clean a sewer is to work out that you have a sewer problem in the first place. There are some common and easy ways to tell if your sewer is blocked.
If your shower floods or doesn’t drain properly you probably have a blocked sewer line. If you can hear gurgling in your water pipes it could well be the sewer. If your toilet doesn’t flush as it should, it could well be time to clean the sewer.
Cleaning a sewer is only recommended when you think the blockage might be caused by a simple block in the line. These blockages usually come from flushing things other than toilet paper and waste down the toilet. If you think this is what you’re dealing with then taking on the cleaning project is something you can do.
If you are concerned it might be something else, you’ll need a professional. One of the most common, but serious issues is when a tree root cracks a sewer pipe. Look for trees near or over where you think the sewer line is.
Once you are confident your block is caused by something simple you can take on this “lovely” job yourself.
2. Locate the Drain Pipe Cleanout
Depending on how old your house is, the drain pipe cleanout could be inside, outside, or not exist at all. If you have a basement check near the wall where you think the drain comes in. Outside, look for the drain pipe raised above the ground.
Once you’ve located it, it’s time to get yourself ready for this dirty job.
3. Protection and Equipment Are Crucial Parts of How to Clean a Sewer
You’ll want some heavy-duty gloves. Wear old clothes you don’t mind getting a little dirty, too.
Rent a plumbing snake from a DIY store. These aren’t cheap to rent but they’re much cheaper than buying one or paying a professional.
You can even rent a sewer cleaner that comes with its own truck. For most jobs that don’t need a professional, you should be ok with a gas-powered cleaner, though.
4. Remove the Drain Pipe Cap
Now you know where the drain is and you’ve got your equipment and protective gear, open up the drain cap.
Loosen the cap a bit first. When you’re ready, quickly remove the cap completely and step back out of the way. There’s a good chance that any backed-up sewage will bubble out of the top of the drain.
Let the sewage spill out and stop before moving on to the next step.
5. Enter the Plumbing Snake
The plumbing snake you have rented will have a long hose and claw-type end. Feed this hose into the drain. Push the hose down into the drain until you feel resistance.
That resistance is, hopefully, the clog that is blocking your sewer line. When you feel resistance, carefully push the plumbing snake through the blog as much as you can.
6. Run the Plumbing Snake
Once you’ve got your plumbing snake into the clog, run the engine. Allow the plumbing snake to run until the clog is completely removed.
When the clog is gone, the water in the drainpipe will start to go down. The water will drop until you can’t see it in the drainpipe cleanout anymore.
Keep running the machine even after the water has dropped. the hose will continue to work its way down the pipe. It might find other clogs and remove those, too.
7. Remove the Plumbing Snake
Once you are sure the blockage has gone, slowly pull the hose back out of the drainpipe. As you do this, clean the hose off with a garden hose. Run the water over the plumbing snake as you wind it back on to the rented sewer cleaner.
Once you have the plumbing snake out of the drainpipe, spray the garden hose at full blast down the drain. This will help remove any debris that the plumbing snake has pulled back with it as you pulled it out.
Put the drainpipe cleanout cap back on and close it tightly. You don’t want any fumes coming out of the cap. A tight seal will also help drain water from your sinks, toilet, and shower.
Learning How to Clean a Sewer Can Save You Money
Knowing how to clean a sewer can save you from having to hire a professional. You’ll save money and you should have your drains running once again.
If you don’t notice an improvement, you might have a more serious issue, such as a broken pipe. In that case, you will need to call a plumber in to make sure.
Follow the steps in this guide. Make sure you are prepared and have the appropriate clothing and equipment. Take your time and you’ll be able to make sure the sewer pipe is cleared out and ready to go again.
For more handy, home tips visit our website. We update our articles regularly. We’ve got you covered with how-tos and advice on your home, business, finance, and more.


newslo--2020-04-12--Do You Qualify for a Loan to Buy a Home? (The Answer Might Surprise You!)

The most recent data set shows that 65.1 % of homes in the United States are owner-occupied as of 2019 .
Being a part of a large number of renters can make you feel like a hamster running in a wheel — paying a monthly amount to someone without gaining any equity in return .
Have you been considering that it may be time to buy a home ?
If you ’ ve been scrolling through housing listings , and picking out neighborhoods , it is time to see if you qualify for a loan to buy a home .
@ @ @ @ @ @ @ have a nest egg built up ?
A 401k through work ?
These saved amounts may be able to help you purchase a home .
Get an idea of your credit score before you speak to a banker about a mortgage .
You can do this by using any number of free services that can get an estimate of your credit score , or you can use your annual credit check with TransUnion or Equifax , to get the exact score .
A credit check takes into account your income , your debts @ @ @ @ @ @ @ to pay your bills on time .
All of these factors can go into whether you will be a good mortgage candidate , but don ’ t fret — your credit doesn ’ t need to be perfect .
With a credit score of at least 620 , which is technically a “ bad ” credit score on the scale , there are usually mortgage solutions available .
There are even government programs for people struggling , to find their way to homeownership .
Take a Trip to the Bank One of the @ @ @ @ @ @ @ ve decided to see what it might take to purchase your own home is to head to the bank or credit union you currently use .
A mortgage lender will run a credit background check when you go to apply for a loan .
You will need to apply for the loan to see what you qualify for in lending .
Your bank or credit union is the first place to check for a mortgage loan .
Why ?
Because they know your money best .
After you have checked out what your @ @ @ @ @ @ @ you as you look to buy a home , check out programs available for specific home buyers .
For example , first time home buyers may get a hand up from the U.S. Department of Housing and Urban Development .
First time home buyers programs help those who don ’ t have the preferred 20 % to put down on a house .
As you build equity in homeownership , that amount may become easier to put down if you should move to another home and sell your first one .
There are @ @ @ @ @ @ @ buyers .
Programs can be specific to professions .
One of those is home loans for medical professionals .
After you have checked out the necessary venues to secure yourself a mortgage — which you will — go buy a home to make your own .
Did this piece help you get on the path to homeownership ?
Check back often for great new content .

The most recent data set shows that 65.1% of homes in the United States are owner-occupied as of 2019.
Being a part of a large number of renters can make you feel like a hamster running in a wheel — paying a monthly amount to someone without gaining any equity in return.
Have you been considering that it may be time to buy a home?
If you’ve been scrolling through housing listings, and picking out neighborhoods, it is time to see if you qualify for a loan to buy a home.
The answer may surprise you
Savings and Loans
Do you have a nest egg built up? A 401k through work? These saved amounts may be able to help you purchase a home.
Get an idea of your credit score before you speak to a banker about a mortgage. You can do this by using any number of free services that can get an estimate of your credit score, or you can use your annual credit check with TransUnion or Equifax, to get the exact score.
A credit check takes into account your income, your debts, your assets, and your ability to pay your bills on time. All of these factors can go into whether you will be a good mortgage candidate, but don’t fret — your credit doesn’t need to be perfect.
With a credit score of at least 620, which is technically a “bad” credit score on the scale, there are usually mortgage solutions available. There are even government programs for people struggling, to find their way to homeownership.
Take a Trip to the Bank
One of the first things to do when you’ve decided to see what it might take to purchase your own home is to head to the bank or credit union you currently use.
A mortgage lender will run a credit background check when you go to apply for a loan. You will need to apply for the loan to see what you qualify for in lending.
Your bank or credit union is the first place to check for a mortgage loan. Why? Because they know your money best.
Programs for Home Buyers
After you have checked out what your personal bank or credit union can offer you as you look to buy a home, check out programs available for specific home buyers. For example, first time home buyers may get a hand up from the U.S. Department of Housing and Urban Development.
First time home buyers programs help those who don’t have the preferred 20% to put down on a house. As you build equity in homeownership, that amount may become easier to put down if you should move to another home and sell your first one.
There are also programs for specific demographics of home buyers. Programs can be specific to professions. One of those is home loans for medical professionals.
Go Buy a Home
After you have checked out the necessary venues to secure yourself a mortgage — which you will — go buy a home to make your own.
Did this piece help you get on the path to homeownership? Check back often for great new content.


newslo--2020-04-10--4 Tips for Changing Your Spending Habits Over Time

All of us are guilty of overspending at some point or another — whether a special sale convinces us to make a spur-of-the-moment purchase or small instances of extravagance add up over the course of the month , laughing in the face of even the most well-intentioned budgets .
But the truth is this habit can become a problem if left unchecked over time .
As CNBC reports , consumers budget for approximately $ 197 per week in spending — not including utilities , bills , rent/mortgage , etc .
However , the amount people spend on average is closer @ @ @ @ @ @ @ adds up to a whopping $ 7,400 per year in extra expenditures .
In other words , it ’ s totally normal to find yourself wanting or needing to change your spending habits over time .
Here are four tips for doing so We just acknowledged the fact there ’ s often a difference between people ’ s budgets and their behaviors .
One reason this may be is budgets can feel constricting , which can actually motivate people to exceed their intended spending by category or even trash their budget altogether after @ @ @ @ @ @ @ the benefits of creating a personal spending plan reflective of your actual spending behaviors to get closer to your financial goals .
You must first understand your spending in order to change it .
Taking the time to log every penny spent over the course of a month will help you discern your habits and choose areas ripe for improvement .
Financial goal setting goes hand in hand with creating a spending plan .
Your money goals exist to remind you why you ’ re trying to take control of your finances .
@ @ @ @ @ @ @ something you should do , think about it as something you can do to realize a goal .
The most effective objectives are specific , time-bound and achievable .
They should also be written down somewhere you can revisit them regularly .
Pay Off Your Credit Cards Each Month For all the perks and points using a credit card can bring , studies have shown people tend to spend more when paying with credit than with cash .
There ’ s the convenience factor , as well as the fact that the “ @ @ @ @ @ @ @ delayed when using credit compared to debit or cash .
When you add high average interest rates into the mix , you can see why credit card debt is both dangerous and difficult to escape .
Consider the thousands of people who have even had to enter a debt settlement program to get a handle on it , as illustrated by these Freedom Debt Relief reviews .
One smart tactic to avoid overspending is charging only what you can afford to pay in full each month .
This way you can earn the @ @ @ @ @ @ @ and possible account delinquency .
Everyone spends money for different reasons .
Identifying your spending triggers can help you notice and resist them .
Here are a few examples from one personal finance expert for HuffPost : • Fear of missing out : You see others spending money and feel compelled to do the same .
• Fear of losing out on a deal : You end up spending money to “ save ” money .
• Retail therapy : You spend seeking out an emotional boost .
• Being alone : You @ @ @ @ @ @ @ so you do lots of social shopping .
The good news is you don ’ t need to change all your spending habits overnight .
You can work on them over time using these four tips .

All of us are guilty of overspending at some point or another — whether a special sale convinces us to make a spur-of-the-moment purchase or small instances of extravagance add up over the course of the month, laughing in the face of even the most well-intentioned budgets. But the truth is this habit can become a problem if left unchecked over time.
As CNBC reports, consumers budget for approximately $197 per week in spending — not including utilities, bills, rent/mortgage, etc. However, the amount people spend on average is closer to $340. The discrepancy here adds up to a whopping $7,400 per year in extra expenditures.
In other words, it’s totally normal to find yourself wanting or needing to change your spending habits over time.
Here are four tips for doing so
Create a Realistic Spending Plan
We just acknowledged the fact there’s often a difference between people’s budgets and their behaviors. One reason this may be is budgets can feel constricting, which can actually motivate people to exceed their intended spending by category or even trash their budget altogether after a spending slip-up.
Instead, consider the benefits of creating a personal spending plan reflective of your actual spending behaviors to get closer to your financial goals.
You must first understand your spending in order to change it. Taking the time to log every penny spent over the course of a month will help you discern your habits and choose areas ripe for improvement.
Set Specific, Motivational Savings Goals
Financial goal setting goes hand in hand with creating a spending plan. Your money goals exist to remind you why you’re trying to take control of your finances. Rather than thinking about saving more as something you should do, think about it as something you can do to realize a goal. The most effective objectives are specific, time-bound and achievable. They should also be written down somewhere you can revisit them regularly.
Pay Off Your Credit Cards Each Month
For all the perks and points using a credit card can bring, studies have shown people tend to spend more when paying with credit than with cash.
There’s the convenience factor, as well as the fact that the “pain” of having to pay is delayed when using credit compared to debit or cash. When you add high average interest rates into the mix, you can see why credit card debt is both dangerous and difficult to escape. Consider the thousands of people who have even had to enter a debt settlement program to get a handle on it, as illustrated by these Freedom Debt Relief reviews.
One smart tactic to avoid overspending is charging only what you can afford to pay in full each month. This way you can earn the rewards, while avoiding mounting interest charges and possible account delinquency.
Identify Your Spending Triggers
Everyone spends money for different reasons. Identifying your spending triggers can help you notice and resist them.
Here are a few examples from one personal finance expert for HuffPost:
Fear of missing out: You see others spending money and feel compelled to do the same.
Fear of losing out on a deal: You end up spending money to “save” money.
Retail therapy: You spend seeking out an emotional boost.
Being alone: You notice you’re lonely or restless so you do lots of social shopping.
The good news is you don’t need to change all your spending habits overnight. You can work on them over time using these four tips.


newslo--2020-04-09--How Does Royalty Free Music Work? Your Questions, Answered

Did you know that using unlicensed music can lead to fines anywhere from $ 750 to $ 150,000 ?
These fines can send any creative project or business deep into debt .
Making sure all music licensing is secured before using any music in a public way is the best way to avoid these costly fines .
Licensing fees will almost always end up being significantly lower than the fines incurred for violating licensing laws .
This is why using royalty free music is always the safest bet !
But what is royalty free music ?
The simplest definition is @ @ @ @ @ @ @ in order for the customer to use it where they want and as much as they want .
Now that we know the basic definition of royalty free , we can address the question : “ how does royalty free music work ?
” Keep reading to learn all the answers to your questions about royalty free music Royalty Free Still Comes With a Price The free in the title can be a little confusing .
Customers must pay a one-time synchronization fee to use this music versus other licensing agreements that require @ @ @ @ @ @ @ time the music is used .
One of the other more common licensing agreements that is not royalty free is the needle drop license .
This would require the customer to pay extra licensing fees every time they use that piece of music , every time the “ needle drops.
” The royalty free part actually means that the customer doesn ’ t have to continue to pay royalties to whoever owns the rights to the music every time that music is played commercially .
While some people have the misconception of royalty @ @ @ @ @ @ @ it is music priced at a very cheap price .
Neither of these assumptions is true .
Music that is free of royalties has everything to do with the type of licensing required for using the music .
The price of that music can vary from under $ 100 to a couple of hundred bucks .
With the said , however , most music that is royalty free turns out to be the most affordable for the customer .
It is important to remember that royalty free is one of the types of @ @ @ @ @ @ @ use of music .
While most people might think that the available music that is free of royalties is all older and outdated , that is incorrect .
Royalty free music stretches across every genre , including everything from classical to popular music .
The Quality of Music Under the Royalty Free License When thinking about what music is royalty free the first thought that usually comes to mind is that the quality will not be up to par with your expectations .
Similar to price and genre , the quality of music @ @ @ @ @ @ @ from the poorest quality to extremely high quality .
Libraries of royalty free music are readily available with some of the best hand-picked music to choose from for whatever your project or business might need .
You might think that royalty free music examples might be found in stock music libraries but there ’ s an important distinction to make .
The terms stock music and royalty free music are not interchangeable .
Most of the royalty free music you ’ ll use will come from stock music libraries but these libraries carry @ @ @ @ @ @ @ Stock music libraries are filled with music that is ready for use and that can be used for multiple projects .
While a lot of their music will be royalty free , some libraries may have other licensing fees based on the number of times a particular piece of music is used .
A royalty free license allows a customer to use a certain piece of music for a one time fee .
Copyright free music is giving away the copyrights to a particular piece of music , where the composer no longer @ @ @ @ @ @ @ It is understandable why these two concepts can be confusing but knowing the difference is important .
The most confusing thing about royalty free music is that royalties are still paid to composers .
Stay with us , we ’ ll answer all of your questions about that head-scratcher .
You ’ d think that royalty free meant no payments of royalties , but what this actually means is that royalties are not paid by the customer who uses this music for their own audio project .
When a royalty free piece of @ @ @ @ @ @ @ say for example , on TV , the television network where the music is being used pays royalties .
The TV networks pay these royalties to the Performing Rights Organizations or PROs .
These PROs then give those royalties to the composers .
So customers may not have to pay for royalties but that doesn ’ t mean that composers aren ’ t being paid royalties when their royalty free music is used publically or commercially .
How does royalty free music work ?
We hope that question and every question you had @ @ @ @ @ @ @ answered by this blog post !
Check out some of our other blogs to learn about royalty free music and the inner workings on licensing music .
Whether it be for your film , vlog on YouTube , or your website .
If you need music , we ’ ll help you figure out how to get it royalty free !

Did you know that using unlicensed music can lead to fines anywhere from $750 to $150,000? These fines can send any creative project or business deep into debt.
Making sure all music licensing is secured before using any music in a public way is the best way to avoid these costly fines. Licensing fees will almost always end up being significantly lower than the fines incurred for violating licensing laws.
This is why using royalty free music is always the safest bet! But what is royalty free music? The simplest definition is music that only requires one license fee in order for the customer to use it where they want and as much as they want.
Now that we know the basic definition of royalty free, we can address the question: “how does royalty free music work?”
Royalty Free Still Comes With a Price
The free in the title can be a little confusing. Customers must pay a one-time synchronization fee to use this music versus other licensing agreements that require a customer to pay a fee every time the music is used.
One of the other more common licensing agreements that is not royalty free is the needle drop license. This would require the customer to pay extra licensing fees every time they use that piece of music, every time the “needle drops.”
The royalty free part actually means that the customer doesn’t have to continue to pay royalties to whoever owns the rights to the music every time that music is played commercially.
Royalty Free Doesn’t Mean Cheap
While some people have the misconception of royalty free meaning free music, others think it is music priced at a very cheap price. Neither of these assumptions is true.
Music that is free of royalties has everything to do with the type of licensing required for using the music. The price of that music can vary from under $100 to a couple of hundred bucks. With the said, however, most music that is royalty free turns out to be the most affordable for the customer.
Royalty Free in Any Genre
It is important to remember that royalty free is one of the types of licensing needed for the public and commercial use of music. While most people might think that the available music that is free of royalties is all older and outdated, that is incorrect. Royalty free music stretches across every genre, including everything from classical to popular music.
The Quality of Music Under the Royalty Free License
When thinking about what music is royalty free the first thought that usually comes to mind is that the quality will not be up to par with your expectations. Similar to price and genre, the quality of music that is free of royalties will vary from the poorest quality to extremely high quality. Libraries of royalty free music are readily available with some of the best hand-picked music to choose from for whatever your project or business might need.
Stock Music V.S. Royalty Free Music
You might think that royalty free music examples might be found in stock music libraries but there’s an important distinction to make. The terms stock music and royalty free music are not interchangeable.
Most of the royalty free music you’ll use will come from stock music libraries but these libraries carry more than just royalty free music. Stock music libraries are filled with music that is ready for use and that can be used for multiple projects. While a lot of their music will be royalty free, some libraries may have other licensing fees based on the number of times a particular piece of music is used.
Copyright Free Music V.S. Royalty Free Music
A royalty free license allows a customer to use a certain piece of music for a one time fee. Copyright free music is giving away the copyrights to a particular piece of music, where the composer no longer has ownership of the music created. It is understandable why these two concepts can be confusing but knowing the difference is important.
Royalty Free Music Still Gets Paid Royalties
The most confusing thing about royalty free music is that royalties are still paid to composers. Stay with us, we’ll answer all of your questions about that head-scratcher.
You’d think that royalty free meant no payments of royalties, but what this actually means is that royalties are not paid by the customer who uses this music for their own audio project. When a royalty free piece of music is performed, let’s say for example, on TV, the television network where the music is being used pays royalties.
The TV networks pay these royalties to the Performing Rights Organizations or PROs. These PROs then give those royalties to the composers. So customers may not have to pay for royalties but that doesn’t mean that composers aren’t being paid royalties when their royalty free music is used publically or commercially.
How Does Royalty Free Music Work: Broken-down
How does royalty free music work? We hope that question and every question you had about royalties and licensing of music was answered by this blog post!
Check out some of our other blogs to learn about royalty free music and the inner workings on licensing music. Whether it be for your film, vlog on YouTube, or your website. If you need music, we’ll help you figure out how to get it royalty free!


newslo--2020-04-09--Go All-In: 5 Reasons Inclusive Leadership Will Change Your Business and Your Life

According to a poll among business leaders , only 18 % of managers demonstrate the talent to manage others .
In other words , 82 % of managers aren ’ t doing a good job of leading their team .
That lack of leadership can cost corporations throughout the country $ 550 billion annually .
By cultivating your inclusive leadership skills , you can reduce wasteful costs and lead your team to victory .
Otherwise , you might miss out on important opportunities to grow as a company .
Keep reading to discover the five ways that becoming an inclusive @ @ @ @ @ @ @ understanding the characteristics of a good leader , you can build your business to the top !
Get started with this guide Inclusive leadership focused on embracing and valuing your entire team .
By giving every member of your team a sense that they belong , you can strengthen your team and improve performance as a whole .
As a result , it ’ s becoming more important now than ever to understand the meaning of inclusiveness .
For exactly , 45 % of millennials in the country are minorities .
The next @ @ @ @ @ @ @ entering the workforce with every more diversity .
By understanding and valuing this diversity , you can motivate your team .
Companies with more inclusive leadership teams are often more profitable , too .
One of the reasons inclusive leadership can make your team more profitable is that it inspires better decision-making .
When you have a diverse team , you ’ re : • Better as a whole at avoiding groupthink • Using different thinking styles for problem-solving purposes • More likely to think creatively Without inclusive people , however , you @ @ @ @ @ @ @ , people of color , or LGBT employees and customers .
As a diverse team , you ’ re more likely to make decisions that will profit your company in the long-term .
As a result , you ’ re more likely to generate ideas that can help improve your company ’ s overall performance .
Meanwhile , inclusive thinking can also help you improve risk management .
A diverse board will know how to recognize potential risks .
They ’ re also more likely to stop corruption and fraud before problems can @ @ @ @ @ @ @ women on their boards often experience fewer governance-related controversies .
These include cases of corruption , fraud , bribery , and shareholder battles .
By creating a more diverse leadership that includes female directors , you ’ re less likely to experience problems that could impact your company ’ s growth .
Inclusivity is an important characteristic of a leader .
Understanding the importance and meaning of inclusiveness can help you govern your leaders .
What rules does your company have in place regarding leadership positions ?
Do you have a well-defined process @ @ @ @ @ @ @ gaining too much power ?
Good corporate governance can help you set your business up for success .
Otherwise , your leadership team will impact other members of the team .
That , in turn , can impact progress and business development .
Forty-seven percent of managers don ’ t receive any training when they take a new leadership role .
It ’ s important to understand and identify the characteristics of leaders on your team .
That way , you can select and train the best of the bunch to become future @ @ @ @ @ @ @ encourage other members of your business to reach higher management levels as well .
As an inclusive leader , you can mentor other members of your team .
A formal mentoring program can encourage career progression and ensure your team is strong from the ground up .
Many millennials are looking for employers that value inclusivity .
By becoming a more inclusive person and company , you can engage , empower , and attract future talent to your business .
You ’ re not only preparing future inclusive-leaders , but attracting new ones @ @ @ @ @ @ @ can click here to become an inclusive leader capable of driving your team forward .
Your brand sends a message to your investors , employees , and your customers .
By focusing on an inclusive leadership style , you ’ re sending a positive message to everyone involved in your brand .
Many publications also shine the spotlight on companies that focus on diversity initiatives .
As an inclusive company , you ’ re telling people that you ’ re positive , forward-thinking , and setting goals that reflect our diverse workforce .
@ @ @ @ @ @ @ a stronger sense of purpose .
Customers look for brands that align with their own goals and values .
By becoming an inclusive person , you ’ re creating a brand that inspires others to make a change .
You ’ re also contributing to building a society that values that brand message .
Two-thirds of people value a diverse workforce when they ’ re evaluating companies and job offers .
By focusing on diversity among your leadership team , you ’ re attracting diverse individuals .
At the same time , you @ @ @ @ @ @ @ among employees .
Seventy-eight percent of people believe inclusion and diversity provide a competitive advantage .
Remember , a diverse team is more likely to generate creative ideas .
You can use those creative ideas to get a leg up on your competitors .
Diverse teams are also better equipped to handle complicated issues .
Under your leadership , your team will know how to approach a problem from different points of view .
As a result , they ’ ll speed up their problem-solving abilities and discover new approaches faster than your @ @ @ @ @ @ @ are also more likely to hire , promote , and develop a team that generates more value per employee .
An inclusive leader can manage their diverse team to outperform the competition by remaining innovative .
In order to build your business , you need a better understanding of your customers .
For example , what problems are they facing each day ?
What solutions can your product or service provide them ?
Approaching your customers with an empathetic point of view can help you connect with your customers .
As an inclusive @ @ @ @ @ @ @ to empathize and understand consumers from different demographics .
When you better understand your customers , you ’ ll become better equipped to respond to their needs .
Step up Your Leadership : 5 Ways Inclusive Leadership Will Change Your Business Ready to grow your leadership team and boost your business ?
By focusing on inclusive leadership efforts , you can experience these five benefits and more .
Inclusive leadership can strengthen your team and help you generate more business for years to come !
Searching for more tips ?
Explore the Management @ @ @ @ @ @

According to a poll among business leaders, only 18% of managers demonstrate the talent to manage others. In other words, 82% of managers aren’t doing a good job of leading their team. That lack of leadership can cost corporations throughout the country $550 billion annually.
By cultivating your inclusive leadership skills, you can reduce wasteful costs and lead your team to victory. Otherwise, you might miss out on important opportunities to grow as a company.
Keep reading to discover the five ways that becoming an inclusive leader will benefit your business.
By understanding the characteristics of a good leader, you can build your business to the top!
Get started with this guide
1. Better Team Performance
Inclusive leadership focused on embracing and valuing your entire team. By giving every member of your team a sense that they belong, you can strengthen your team and improve performance as a whole.
Workplace diversity is increasing.
As a result, it’s becoming more important now than ever to understand the meaning of inclusiveness. For exactly, 45% of millennials in the country are minorities. The next generation, Generation Z, is now entering the workforce with every more diversity.
By understanding and valuing this diversity, you can motivate your team.
Companies with more inclusive leadership teams are often more profitable, too. One of the reasons inclusive leadership can make your team more profitable is that it inspires better decision-making. When you have a diverse team, you’re:
Better as a whole at avoiding groupthink
Considering a variety of perspectives
Using different thinking styles for problem-solving purposes
More likely to think creatively
Without inclusive people, however, you’re less likely to consider women, people of color, or LGBT employees and customers. As a diverse team, you’re more likely to make decisions that will profit your company in the long-term.
As a result, you’re more likely to generate ideas that can help improve your company’s overall performance.
Risk Management
Meanwhile, inclusive thinking can also help you improve risk management. A diverse board will know how to recognize potential risks. They’re also more likely to stop corruption and fraud before problems can escalate.
In fact, companies with women on their boards often experience fewer governance-related controversies. These include cases of corruption, fraud, bribery, and shareholder battles.
By creating a more diverse leadership that includes female directors, you’re less likely to experience problems that could impact your company’s growth.
Stronger Governance
Inclusivity is an important characteristic of a leader. Understanding the importance and meaning of inclusiveness can help you govern your leaders.
What rules does your company have in place regarding leadership positions? Do you have a well-defined process designed to help you keep individuals from gaining too much power? Good corporate governance can help you set your business up for success.
Otherwise, your leadership team will impact other members of the team. That, in turn, can impact progress and business development.
2. Prepare Future Leaders
Forty-seven percent of managers don’t receive any training when they take a new leadership role. It’s important to understand and identify the characteristics of leaders on your team. That way, you can select and train the best of the bunch to become future leaders.
Choosing the right leaders can encourage other members of your business to reach higher management levels as well. As an inclusive leader, you can mentor other members of your team. A formal mentoring program can encourage career progression and ensure your team is strong from the ground up.
Many millennials are looking for employers that value inclusivity. By becoming a more inclusive person and company, you can engage, empower, and attract future talent to your business.
You’re not only preparing future inclusive-leaders, but attracting new ones to your company, too! You can click here to become an inclusive leader capable of driving your team forward.
3. Build a Stronger Brand
Your brand sends a message to your investors, employees, and your customers. By focusing on an inclusive leadership style, you’re sending a positive message to everyone involved in your brand.
Many publications also shine the spotlight on companies that focus on diversity initiatives. As an inclusive company, you’re telling people that you’re positive, forward-thinking, and setting goals that reflect our diverse workforce.
Inclusive leadership can also give your company a stronger sense of purpose.
Customers look for brands that align with their own goals and values. By becoming an inclusive person, you’re creating a brand that inspires others to make a change. You’re also contributing to building a society that values that brand message.
Two-thirds of people value a diverse workforce when they’re evaluating companies and job offers. By focusing on diversity among your leadership team, you’re attracting diverse individuals. At the same time, you’re inspiring that sense of purpose among employees.
4. Outperform the Competition
Seventy-eight percent of people believe inclusion and diversity provide a competitive advantage. Remember, a diverse team is more likely to generate creative ideas. You can use those creative ideas to get a leg up on your competitors.
Diverse teams are also better equipped to handle complicated issues. Under your leadership, your team will know how to approach a problem from different points of view. As a result, they’ll speed up their problem-solving abilities and discover new approaches faster than your competitors can.
Companies with inclusive people are also more likely to hire, promote, and develop a team that generates more value per employee. An inclusive leader can manage their diverse team to outperform the competition by remaining innovative.
5. Understand Your Customers
In order to build your business, you need a better understanding of your customers. For example, what problems are they facing each day? What solutions can your product or service provide them?
Approaching your customers with an empathetic point of view can help you connect with your customers. As an inclusive leader, you’re more likely to empathize and understand consumers from different demographics.
When you better understand your customers, you’ll become better equipped to respond to their needs.
Step up Your Leadership: 5 Ways Inclusive Leadership Will Change Your Business
Ready to grow your leadership team and boost your business? By focusing on inclusive leadership efforts, you can experience these five benefits and more. Inclusive leadership can strengthen your team and help you generate more business for years to come!
Searching for more tips? Explore the Management section of the blog today!


Premium self-publishing packages

Self-publishing is becoming the more popular route to take when compared to traditional publishing .
Perhaps one of the bigger benefits of self-publishing is the chance you get to be really creative and do your own thing .
With self-publishing packages , you can publish your book quickly , pick an eye-catching cover and upload your manuscript so that people can start buying your book and earn you bucks .
Publishing houses sometimes select a book ’ s cover and design on their own without even consulting with the author for their say .
Every writer enjoys having creative control @ @ @ @ @ @ @ packages allow just that .
You get a range of self-publishing packages at Mindstir Media , but each one is designed to meet all the needs of independent authors .
For example , you can take your pick from the standard- , advanced- , bestseller or premier self-publishing packages .
There are also packages which can be tailored to the author ’ s specific needs and their budget .
Having a clear goal for your book will help you determine which self-publishing package to go for .
You may , for instance , @ @ @ @ @ @ @ a lot of money to produce something highly professional .
Your objective may be to simply create a book to give away as a gift to family and friends .
Self-publishing a print book is easy with the right package .
You choose book size , format your Word manuscript to adapt to the size and turn your Word doc into a PDF .
After you officially publish your book , you can still make changes .
If you were to use a traditional publisher , they would in all likelihood charge a @ @ @ @ @ @ @ to design to post-release marketing , premium self-publishing packages don ’ t only give you creative control , there are financial rewards too .
With traditional publishing , you have to pay the publishers , whereas if you self-publish , you get all the money that comes from the sale of your book .
Self-publishing has never been a one-size-fits-all concept and that is why you get different packages that come with different prices to suit .
Your self-publishing package also includes the design of your book cover , formatting of the actual @ @ @ @ @ @ @ ebook conversion as well as the submission of the book files to the printer .
As already suggested , not all self-publishing companies are the same , but you can be sure of the quality of self-published books .
You may not be able to do overly fancy stuff but you can still give your book a good cover .
These publishing packages provide authors with a wonderful publishing experience , bringing services to authors that are believed to exceed the publishing experience you get from traditional publishers .
Whether paperbacks or hardcover @ @ @ @ @ @ @ color covers , these packages give your books an excellent chance to succeed in the market .

Self-publishing is becoming the more popular route to take when compared to traditional publishing. Perhaps one of the bigger benefits of self-publishing is the chance you get to be really creative and do your own thing. With self-publishing packages, you can publish your book quickly, pick an eye-catching cover and upload your manuscript so that people can start buying your book and earn you bucks.
Publishing houses sometimes select a book’s cover and design on their own without even consulting with the author for their say. Every writer enjoys having creative control over their work, and premium self-publishing packages allow just that.
Self-Publishing Packages at different Prices
You get a range of self-publishing packages at Mindstir Media, but each one is designed to meet all the needs of independent authors. For example, you can take your pick from the standard-, advanced-, bestseller or premier self-publishing packages. There are also packages which can be tailored to the author’s specific needs and their budget.
Having a clear goal for your book will help you determine which self-publishing package to go for. You may, for instance, you may not want to invest in a lot of money to produce something highly professional. Your objective may be to simply create a book to give away as a gift to family and friends.
Make Changes without costs involved
Self-publishing a print book is easy with the right package. You choose book size, format your Word manuscript to adapt to the size and turn your Word doc into a PDF. After you officially publish your book, you can still make changes. If you were to use a traditional publisher, they would in all likelihood charge a fee for making changes.
From editing to design to post-release marketing, premium self-publishing packages don’t only give you creative control, there are financial rewards too. With traditional publishing, you have to pay the publishers, whereas if you self-publish, you get all the money that comes from the sale of your book.
Self-publishing has never been a one-size-fits-all concept and that is why you get different packages that come with different prices to suit. Your self-publishing package also includes the design of your book cover, formatting of the actual interior of the book as well as ebook conversion as well as the submission of the book files to the printer.
As already suggested, not all self-publishing companies are the same, but you can be sure of the quality of self-published books. You may not be able to do overly fancy stuff but you can still give your book a good cover.
An Awesome Publishing Experience
These publishing packages provide authors with a wonderful publishing experience, bringing services to authors that are believed to exceed the publishing experience you get from traditional publishers.
Whether paperbacks or hardcover books, black and white covers or color covers, these packages give your books an excellent chance to succeed in the market.


newslo--2020-01-25--The Guide to Moving Interstate

The Guide to Moving Interstate

Are you planning a move to a new state ?
There are a lot of factors to consider when making a big move like this .
Here ’ s everything you need to know about getting from one state to another .
Moving to a new neighborhood is complicated enough , but when you move to a new state , you have to have everything ready to go for the trip .
Make a good plan and pack smart .
Make a timeline for your move , considering when you have to be out of your current home and when @ @ @ @ @ @ @ .
Decide if you ’ re going to use professional movers or if you ’ ll load and unload everything into a moving truck yourself .
Plan with family and friends and see who ’ s willing and able to help you make this big move .
Then , start your packing early and make sure it ’ s organized .
Label your boxes with the room they ’ ll need to go in , as well as whether or not they ’ re fragile .
You ’ ll thank yourself for your @ @ @ @ @ @ @ .
If you ’ re driving a moving truck yourself or just wanting to travel with your things in the truck , you may want to ship a car to your new home .
Whatever kind of car you drive , Easy Car Shipping can transport it easily to your final destination , and the process is cheaper than you might think .
For only $ 1 to $ 0.40 a mile , you can meet your vehicle in your new state .
This saves you the trouble of finding someone to drive @ @ @ @ @ @ @ a bus back to your old home so you can drive your car back .
Even if you ’ re moving thousands of miles , your car will arrive at your new home in nine days or fewer .
The convenience of not having to worry about your car will make a huge difference as you handle moving all your possessions .
Before you move , you ’ ll want to learn everything you can about your new state and your new neighborhood .
Hopefully , you ’ ve had time to do @ @ @ @ @ @ @ home , but you might be headed to a location chosen for you by work or your spouse ’ s work .
Learn more about the crime rates in the area and what places you might want to avoid .
Check out the local school districts if you have kids and see if you ’ d like to send them to public school or a nearby private school .
Do a little research on the local culture and what there is to do in the area .
You might want to find a @ @ @ @ @ @ @ the area .
Moving to a new city can be very scary , so knowing a lot about the area before you move is a great way to feel confident and relaxed in the new place .
Get Your New Utilities Set Up The last thing you want after traveling to a new state is a lack of water or electricity .
Before you make the trip , set up your new utilities .
Check the local electricity providers and see which ones service your area .
You might want to ask your @ @ @ @ @ @ @ use since he or she helped you find the house in the area .
You ’ ll also need to end your current utilities before moving .
If you ’ re hoping to be a little more green in your new state , look into energy-efficient services and providers .
Before making an interstate move , compare energy providers with iSelect .
iSelect can help you determine your new needs and which service providers will provide you with the best energy plan .
Making an interstate move can be scary , but the @ @ @ @ @ @ @ confident you ’ ll feel in your decision .
Plan your move carefully and learn everything you can before you head to your new home .

Are you planning a move to a new state? There are a lot of factors to consider when making a big move like this.
Here’s everything you need to know about getting from one state to another
Pack Smart
Moving to a new neighborhood is complicated enough, but when you move to a new state, you have to have everything ready to go for the trip. Make a good plan and pack smart. Make a timeline for your move, considering when you have to be out of your current home and when you can move into the new one. Decide if you’re going to use professional movers or if you’ll load and unload everything into a moving truck yourself. Plan with family and friends and see who’s willing and able to help you make this big move. Then, start your packing early and make sure it’s organized. Label your boxes with the room they’ll need to go in, as well as whether or not they’re fragile. You’ll thank yourself for your organization when it comes time to unpack.
Ship Your Car
If you’re driving a moving truck yourself or just wanting to travel with your things in the truck, you may want to ship a car to your new home. Whatever kind of car you drive, Easy Car Shipping can transport it easily to your final destination, and the process is cheaper than you might think. For only $1 to $0.40 a mile, you can meet your vehicle in your new state. This saves you the trouble of finding someone to drive your car, or having to take a bus back to your old home so you can drive your car back. Even if you’re moving thousands of miles, your car will arrive at your new home in nine days or fewer. The convenience of not having to worry about your car will make a huge difference as you handle moving all your possessions.
Research Your New Neighborhood
Before you move, you’ll want to learn everything you can about your new state and your new neighborhood. Hopefully, you’ve had time to do some research before you chose your new home, but you might be headed to a location chosen for you by work or your spouse’s work. Learn more about the crime rates in the area and what places you might want to avoid. Check out the local school districts if you have kids and see if you’d like to send them to public school or a nearby private school. Do a little research on the local culture and what there is to do in the area. You might want to find a great-sounding restaurant for your first night in the area. Moving to a new city can be very scary, so knowing a lot about the area before you move is a great way to feel confident and relaxed in the new place.
Get Your New Utilities Set Up
The last thing you want after traveling to a new state is a lack of water or electricity. Before you make the trip, set up your new utilities. Check the local electricity providers and see which ones service your area. You might want to ask your realtor for advice on which companies to use since he or she helped you find the house in the area. You’ll also need to end your current utilities before moving. If you’re hoping to be a little more green in your new state, look into energy-efficient services and providers. Before making an interstate move, compare energy providers with iSelect. iSelect can help you determine your new needs and which service providers will provide you with the best energy plan.
Making an interstate move can be scary, but the more prepared you are, the more confident you’ll feel in your decision. Plan your move carefully and learn everything you can before you head to your new home.