Business – Cut Flowers

Flowers in any form and color are a welcome sign for everybody. In fact, flowers are the best ways of starting a relationship or closing an argument. No one says NO to flowers and that is just why one can start a business in both real and artificial flowers. In fact, there is no household that does not have flowers in either form. Now that we have understood the need of flowers let us get down to business.

Real flowers or artificial: When one reaches the summit of deciding as to which one is good for doing business, the first thought that comes to mind is the planning. If the decision is to go in for fresh flowers, then let us understand as to what goes into the business of sending fresh flowers. Fresh flower business is big business as the demand for them seems to grow in leaps and bounds.

Every occasion needs flowers beginning from a newborn to the cemetery. The first thing to understand about fresh flowers is the location. A central location would be ideal though some would suggest close to a holy place would be better. Once the location has been decided upon the next step would be to appoint a staff. It is very essential to have the right staffs that have the knowledge and the passion for flowers.

How to get the business rolling: The two steps above that have been taken were location and staff. Now it is the way of getting the customers to the doorstep. Flowers can be noticed from a distance both by its color and fragrance. So, half the work has been done by the flowers. The other half is the advertisement that one needs to do to make people aware that a florist shop exists in their locality.

Selling flowers at strategic locations is a good way of increasing business. It could be like on All Souls day which falls on November the second of each year. On this day people do visit the graveyard to pay respect to their loved ones who have departed for the heavenly abode. On this day thousand of flowers are sold in the form of garlands, bouquets, wreaths or just rose buds. Another festival day is Valentine ’s Day which is celebrated all over the world and is a million dollar business as far as flowers are concerned. A florist managed to sell over four thousand eight hundred dozen of roses during this one week. Business people must take advantage of the festival season though there many who purchase flowers on the spur of the moment.…

How to Evaluate a Car before Getting Car Finance

How to Evaluate a Car before Getting Car Finance

Living in the UK and want to buy a used car? You are not alone, millions of people in the UK prefer to buy used cars over new ones and this is why the UK’s used car market is the largest in Europe. According to a report published by the University of Buckingham, ‘Price’ is the most important factor that consumers look at when buying a used car. If you too are thinking about buying a used car any time soon then you should evaluate a car before financing for it. Here are some tips to evaluate a car in order to avoid the possibility of buying a lemon.

Perform a Pre-Test Drive Inspection

No matter how glossy and attractive the car looks from the outside, it’s the engine and various other internal components that should be inspected first because the car’s performance depends upon them. So before you sit inside the driving cabin, you should first open the bonnet of the car and inspect the car’s engine, engine oil, coolant, transmission fluids and many other internal parts.

Ask for Claim History of the Car

The cars that are insured have a proper history of how many times they have been damaged in accidents and the money claimed for its repair. This will give you insight on the true resale value of the car. Remember, a car that has been damaged numerous times is likely to have a low value and should not be purchased.

Drive With Windows Down and Radio Turned Off

Nothing will give you an idea about the car unless you drive it yourself. After you are satisfied with the internal components of the car and its insurance claim history, it’s time that you fasten your seatbelts and take the car for a test drive. Remember that the radio of the car must be turned off and the windows must be rolled down so that you can notice any unusual sound made by the car while driving it.

Don’t Believe the Price Tag, Determine Fair Value of the Car Yourself

The price of the car doesn’t reveal anything about the car itself. Your mind might trick you into believing that a car carrying a high price tag might be the best but this case is seldom true. You must vet the car diligently and look for any faults that the owner of the car is not pointing out in fear that it will reduce the value of its car. After your analysis, you must determine the fair value of the car and must never pay any more than its fair value.

After performing all the above tasks, it is time to contact a car loan provider and avail the financing for the car. Most people do not do a thorough evaluation of the car and thus end up with a lemon. Remember that used car market is the one in which many people are fooled thus Nobel Laureate Mr. Akerlof gave the example of this market to explain the lemon problem, so keep your eyes open!…

Should You Plan Your Funeral Earlier?

Should You Plan Your Funeral Earlier?

It’s very easy to get caught in the moment and overlook just how swiftly time flows in our lives. Eyes wide, time stops but a year can go by without noticing, until the leaves start to drop. The fact that we are mortal cannot be escaped. While some may live to be a hundred or more, others may not even get to turn four. Yet in all the moments that we experience in our lives, Death is the one we are always least prepared for.

Planning for a funeral is something few people want to undertake whether it’s for someone else or yourself. You might be wondering about this though, ‘Should you be planning your funeral before you are even past your prime?’  As macabre as it sounds, planning your own funeral is something you should prepare for earlier and here’s why:

Reduce Stress for Loved Ones

A funeral is never an easy experience, particularly for the ones who love you. Often times, they are the ones who are left to shoulder the brunt of the mechanics of the day. For them, it can be an excessively stressful time as they struggle through their grief and try to ensure that the funeral happens as you would have wanted and in the correct manner.

Everything According to Your Specifications

While burials are the norm, you may have a preference for cremation so make sure you take care of those arrangements if your family isn’t aware about your choice. When you plan your funeral in advance, you are the one who gets to call the shots.

Whether you want a bunch of white doves released as you are interred or want a rock band to start playing, you can get those details added without any objections from anyone. From the colour of your casket to the kind of music played in your service, this is one day where you can literally plan every single thing and people will not question it.

Helps Tie off Any Loose Ends

When you pre-plan your funeral, you have time to identify and tie off any loose ends that might appear. These could be the little details which get overlooked but become huge problems on the day such as picking the site for burial, picking the casket, a burial vault if you want one, a funeral director and more. This avoids confusions and makes the whole process more airtight with no room for errors then.

Takes Financial Weight off Their Shoulders

A funeral is a heavy financial affair. There are the costs of the burial plot or vault, the funeral director, the casket and more to consider. Add the expenses of the service and in some cases, your funeral may end up costing as much as a small budget wedding. Moreover, people will try to up-sell, whether it’s a casket or other details of your service.

Their main aim is to drive the price up so they can earn more money but if you already have the details done and paid for; you not only save money but also take the financial weight of your family’s shoulder. Heart wrenching grief and crippling debt aren’t very good parting presents to leave behind for anyone.…

What’s a Good Credit Score and How You Can Get One?

What’s a Good Credit Score and How You Can Get One?

Credit score is a parameter on which lenders weigh the ability of potential borrowers to repay the loan they are applying for. Extending this to the understanding of having a good credit score, it basically implies having a greater chance towards securing a loan or a mortgage.

Itching to have a good credit score but you really don’t know how to do it?

We are here to help you out.

Be Regular With the Payment of Your Utility Bills

Utility bills are part of our routine lives. So much so, that they are now considered as nominal expenses.  And if your credit file demonstrate your ability by showing you have been responsible with your regular expenses, chances are that you will show greater sense of responsibility towards paying your loans. Therefore one way of improving your credit score is to be regular with your utility bill payments.

Check Your Credit File

CallCredit, Experian, and Equifax are three credit reference agencies that lenders use to evaluate your credit history. Get your credit file from each of these three agencies and thoroughly review it. If you think there has been a mistake in bio-data or a mistake from one of your creditors while closing your account at the end of the reporting period, get it fixed.

Use Credit Card to Your Advantage

Debit cards may seem a better alternative than credit cards, as any transaction that you are intending to make gets deducted directly from your bank account, thus helping you with your budgeting. But they don’t help you build a credit score that a credit card can. Being regular with your credit card payments, corroborate your credit worthiness and makes you less of a risk in the eyes of a lender. This helps you improve your credit score.

No Need for Credit Hoarding

Unused credit can sometimes result in negative marking of your credit score. Why lenders would be interested in granting you a loan, if you do not add to their business. So if you have too much reserve credit that is not being used, it’s better to get rid of it.

Your Application Matters

When you apply for a loan, lenders not only look at your credit file but they also assess your credibility in the light of that specific application. You can have a healthy credit file while repaying your regular bills and credit card payments but if you don’t have a history involving large sums of debt repayment, this may affect your changes of securing a hefty loan like a mortgage.

Therefore it is advisable to work beforehand on providing a justification on how you would be able to pay a mortgage, if you have never acquired anything other than payday loans previously.

Avoid the Gung-Ho Approach

When we apply for a credit, we tend to box drop applications at almost every finance crediting institution. Believe it or not, but excessive amount of applications submitted over a short period of time can degrade your credit score so always avoid it.

Handling your credit score needs to be taken seriously as it can easily shape or deform your future. However, improving your credit score does not require you to crack nuclear codes. It is a collection of small steps that can be executed easily.…