Monday, 3 February 2020

The best places to buy affordable fine jewelry

With its inaccessible prices, technical terminology, and nebulous production practices, the world of fine jewelry is intimidating to step into and, for a generation that cares simultaneously about value, style, sustainability, and ethics, a world to be altogether avoided. affordable fine jewelry!
Not too long ago, we wouldn't even have considered buying nice jewelry online, but then again, that's what we thought about mattresses, luxury watches, and wine. With direct-to-consumer jewelry companies taking center stage, no middlemen or mark-ups mean that you can pay a palatable price that's closer to the true cost of making that beautiful gold necklace, while high standards for sourcing and production quell any fears that your purchase sets other livelihoods or the environment back. 
Whether it takes the form of a single, thin gold ring, a heavy statement necklace, or dangling earrings that sparkle with every subtle head movement, jewelry is a very personal purchase. These online jewelry companies will help you make the decision without overcharging you in the process. 
Hip neighborhood boutique vibes meet the ease of browsing and speed of online shopping at Catbird, where you can find delicate $40 rings alongside sparkly $14,000 engagement rings. It's fully transparent about the source of its materials, and donates 1% of all sales to non-profits including the ACLU and Planned Parenthood. In addition to jewelry that's crafted in-house, Catbird is home to other designers and beauty and home goods. 
Toronto-based startup Mejuri, founded by a former art director and a former engineer and third-generation jeweler, drops new pieces every week of the year, and without fail, its largely female clientele return again and again to its 14-karat gold, gold vermeil, and sterling silver jewelry that's made for everyday wear. Mejuri's mission is to have women "embrace a daily dose of luxury." With plenty of under-$100 options, it makes fulfilling this mission very achievable. 

Finding a Locksmith

If you’re locked out of your home or car you may call a locksmith. These tips tell you what to ask about the person, the price and the business before you hire someone.
If you want to hire a locksmith to install deadbolt locks or add a home safe, you have time to check around, just like you do when you want to hire a plumber, electrician or other professional. But if you’re locked out of your car or home, you want help right away. If family or friends can't bring you a spare set of keys — or recommend a locksmith — you may search online.
Some companies run multiple ads that seem to be for local businesses, but actually connect to call centers in another city. Operators in the call centers may give surprisingly low estimates and dispatch poorly trained locksmiths. When those locksmiths show up, they say the job will cost much more than the estimate, and they insist you pay with cash.
If you want to hire a professional locksmith from a reliable local business, you need to get information about the person, the price and the business when you call.

Find a Local Business

  • Ask for the full, legal name of the business. If an operator will give you only a generic name, think about calling a different business that will identify itself.
  • Run a quick internet search. Use the company name with words like “complaint” or “review.”
  • Ask the operator to confirm the address shown in the ad. If the ad doesn’t show an address for the business, find out why. A legitimate locksmith who operates a “mobile” business or runs the business from home will be able to explain that.
  • Get an estimate of the total cost. You might have to describe the job or the type of lock you have before you get the estimate. If the estimate is very low, confirm that it covers all fees and charges, including:
    • fee for a service call
    • labor
    • replacement parts
    • additional fees for mileage, responding to a night call, fuel surcharge, tool usage or other items
            Ask the locksmith to bring a written copy of the estimate.
  • Find out if the locksmith has insurance to cover your losses in case your property is damaged during a repair.
  • Fifteen states require locksmiths to be licensed or registered. Ask if your state requires a license or registration, and say you want to see it when the locksmith arrives.

When the Locksmith Arrives

  • Ask for the locksmith’s identification and business card. Make sure the information on the business card matches the company name on the invoice.
  • Look at the written estimate the locksmith brought, or ask him to write one up before he starts working. If the estimate doesn’t match what you heard on the phone, think about whether you want to call someone else. Don’t hand over your credit card until you agree with the estimate.
  • Look at the proof of insurance. If your state requires a license or registration, ask to see that too.
  • Show your identification. A legitimate locksmith should confirm your identity and make sure you really own the property or vehicle before starting work.
  • If the locksmith gives you authorization forms or other paperwork, read them before you sign.
  • If the locksmith says it’s necessary to drill your lock and replace it, think about hiring a different person. A skilled, legitimate locksmith has invested in tools and education and should have the skills to unlock almost any door.
  • Before you pay, get a written invoice that shows the company name and lists labor, replacement parts and all fees you’re being charged.
  • If the service was good, save the number in case there’s a next time.

Resolving Problems

If you have a problem with a locksmith, try to resolve the dispute with the company first. Make sure you act quickly. Some companies may not accept responsibility if you fail to complain within a certain time. If you can’t get satisfaction, consider contacting your local consumer protection agency for information and assistance. You also can file a complaint with the Federal Trade Commission and your state Attorney General.

Wednesday, 1 January 2020

Find the Perfect Name for Your Lawn Care Company

Give your new company a name that highlights who you are as a business. Then make that name official.

In order to make your lawn care business legal, ET Lawn Care LLC you have to come up with a name.

Brainstorm a few names you like (but also are easily marketable). Then, input these names into your state’s business name search database. While most states offer online name searches, some ask for mail-in submissions or in-person visits.

Choose a name that is unique to you, but also conveys the benefits of your services. For example: “Better Lawns by John.”

Step 2: Get an EIN (Employer Identification Number)

Do you plan on hiring employees?

If so, you need an EIN number. You can find how to get your EIN number by going to IRS.gov to fill out your application online.

The process is different in Canada. Instead of EINs, you will need to get your employees SIN (Social Insurance Number). Read more about the Canadian hiring process here.
Step 3: Make Your Business an LLC

An LLC is a Limited Liability Company where you, as the owner, are a separate “member” of your company.

Many folks turn their sole proprietorships to LLC status to protect their personal assets from lawsuits.

We’ll talk more about whether you should choose an LLC or an S Corp further down the page…

Get the right applicator licenses, certifications, and business licenses:

If you plan on providing weed and pest control, you need to be certified or licensed by your state (again, the rules in Canada are different).

In the US, the EPA is there to make sure you stay compliant.

To ensure pesticide applicators know its proper and most effective uses: According to federal law, anyone who applies or supervises the use of RUPs (restricted use pesticides) must be certified with EPA regulations, state, territorial and tribal laws.

Other licenses and certifications to consider:

Your local government may require you to have a business license as well as a contractor’s number.

Make sure to check with your county clerk’s office and the cities you’ll be serving. They’ll let you know whether you need a contractor or business license to work in those areas.

Other certifications to consider:

At the National Association of Landscape Professionals, you can expand your knowledge and service options by getting certified through NALP’s 7 different certifications, including these three lawn care courses:
Lawn Care Manager
Lawn Care Technician
Lawn Care Technician National
Step 4: Get the Right Insurance for Your Lawn Service

Before you step out of your truck to take care of your first customer’s lawn, you need to obtain the right insurance to protect your business from any legal problems.

There are 3 policies you should carry for your lawn care business:
General Liability Insurance protects you and your technicians in case an accident occurs on your customer’s or their neighbor’s property, and you’re at fault.

For example: If your mower runs over an irrigation line and causes a flood on your client’s lawn.
Workers Compensation Insurance protects you if one of your employees gets hurt while on the job. It covers the gamut from doctor’s visits, hospital stays and other medical bills.

It also helps cover the employee’s lost wages due to the injury or accident.
Property Insurance covers your equipment ranging from aerators, lawn mowers, string trimmers and applicators as well as the computers used in your office.

As a lawn care owner-operator, you need to safeguard the heart of your business.

Your equipment and machinery are an investment into your business.

When an inevitable tragedy happens in your lawn business, property insurance ensures your investment won’t be lost.

Other insurance policies to consider for your lawn service company include:
Business Owner’s Policy
Commercial Auto Insurance
Umbrella Insurance.

For more in-depth discussions about the insurance that you need for your particular business, contact your insurance agent.
The Tax Issue — S Corporation or LLC?

The IRS, as well as your state and county tax collectors, are very good at getting the money you owe them.

You need to make sure you incorporate your company under the right tax entity, so you know how much you need to pay Uncle Sam.

Here’s the difference between an S Corp and an LLC…

For tax reasons, the IRS classifies businesses as sole proprietorships, partnerships, C corporations or S corporations.

But, there’s not an LLC classification. And so, LLCs are taxed as another business type.

Due to this, if your lawn care company is a sole proprietorship LLC, you’ll need to pay self-employment taxes, which are social security and Medicaid.

Your company’s entire profit for a particular year is taxed.

To save money on your taxes, you may want to consider an S Corp.

If you’re an LLC with an S Corp, you, as the owner, will be paid a salary.

Thus, your salary gets taxed for social security and Medicaid rather than your company’s total profit paying for these two taxes.

Conclusion

While you may get the bulk of your information from the internet to keep you legal, you still may need help from a professional.

Consider hiring a certified public accountant to handle your business’ finances. They’ll even help you decide how to classify your business for tax purposes. Choosing the right classification will make or break your lawn business.

And if you’re a small business, you might consider looking into volunteer mentors that specialize in helping small businesses get off the ground.

And if you need a little extra financial help, the SBA (Small Business Administration) can help you secure a loan for your lawn company.

When you follow these essential steps, you’ll rest easy knowing your business is official.

I promise: After reading this article, you’ll be ready to make money the legal way!

Friday, 20 December 2019

Leanne Locken Releases Apology For Racist Rant -- Andy Cohen Calls Her Comments 'Vile'

For weeks on the currently airing episode of Real Housewives of Dallas, Leanne Locken has mentioned her co-star’s nationality while speaking negatively about her. Fans have been calling for the network to fire the Dallas socialite and she has finally released an apology.
Kary Brittingham and Leanne are two strong personalities that constantly go head-to-head with each other in almost every episode this season. From saying that her castmate is a ‘chirpy Mexican’ to saying that she thought she was ‘all strong and Mexican’ — both viewers and co-stars have condemned Locken for her racially insensitive words. Leanne Locken Releases Apology For Racist Rant -- Andy Cohen Calls Her Comments 'Vile'.
In fact, a viewer even called in to Watch What Happens Live to ask Andy: ‘I just want to ask about you and Bravo standing behind LeeAnne’s racial slurs and Kelly Dodd’s physical violence, it’s so not cool.’
To which he responded: ‘I don’t know if it’s standing behind. We broke down the racial slurs for a very long time at the reunion so you’ll see that. We’re just airing what happened while we were shooting the show.’
Meanwhile, Leanne took the chance to apologize on social media.‘I am deeply sorry to those that I have hurt or offended with some of my comments on Real Housewives of Dallas Season 4. It was never my intention to hurt anyone and I will use this as a learning experience to be more aware of my comments in the future. My commitment to moving forward is to continue my work fighting for quality and acceptance of all humans.’
Fans are definitely not buying it. Between the wording of her apology and the time she took to release it — it’s hard to believe that the RHOD star is actually sorry.
The reunion was recently filmed and it will be interesting to see how the conversation was handled.

Thursday, 19 December 2019

The League of Legends and Louis Vuitton Clothing Line is Now Available

Video games have poked more and more into popular culture as the decades have gone by. In many ways, we’re currently living in a golden age of gaming not dissimilar from the original explosion we saw in the late 1980s and 1990s. Online play and esports are the most popular of these, with massive stadiums being home to enormous tournaments held for the most popular of games. Among those titans is Riot Games’ League of LegendsThe League of Legends and Louis Vuitton Clothing Line is Now Available.
Most games have merchandise nowadays, and League of Legends is no stranger. Popular in practically every part of the world and one of the most-watched esports, practically every professional team has their own line of merch, with Riot selling plenty of their own.
So where do you go with your merchandise when you’re one of the most popular games in the world? According to Riot Games, you go into the world of designer fashion.
Louis Vuitton and Riot have been partnered enough that there are a few in-game items that carry the brand. Some champions, namely Qiyana and Senna, have prestige edition True Damage skins, which alters the champion’s outfit to have the trademark Louis Vuitton logo over them.
Thankfully, these skins don’t cost what you would expect a Louis Vuitton product to cost, though they are a bit harder to unlock. Senna’s prestige edition hasn’t been added yet, but to unlock Qiyana’s, players must have purchased the 2019 Worlds Pass for a bit over $10 of the in-game currency, Riot Points. Afterward, players still need to grind out enough games to earn the tokens to unlock the skin. Just like the real thing, not just anyone is going to be able to pick up the Louis Vuitton skin.
But that’s what League of Legends got out of the partnership. What about Louis Vuitton’s gear?

Well, as you would probably expect from the deluxe designers, you got a lot of clothes worth several thousand dollars. You can find bucket hats for USD$730.00, a T-shirt for USD$670.00, or even a nice hoodie for USD$2,420.00.

Thursday, 12 December 2019

Space Channel 5 VR: Kinda Funky News Flash! pushed back to spring 2020

Up, down, left, right, chu, chu! The only way any of us will be saying those words this year is if we dig out our old copies of Space Channel 5 and play them because of Space Channel 5 VR: Kinda Funky News Flash! has been delayed.
Developer Grounding, Inc. delayed the upcoming virtual reality title based on the popular rhythm game Space Channel 5 from the end of 2019 to early spring 2020 in a bid to "further improve the quality." So if you were hoping to get your groove on with Ulala before the year's end, you'll be left waiting a little longer, unfortunately. Space Channel 5 VR: Kinda Funky News Flash Pushed Back Until Spring 2020.
Grounding announced that it will, however, be hosting a Livestream called "Space Channel 5 VR x REALITY Gyungyun Live Stream: Space Channel 5 20th Anniversary Special" on December 16 in the REALITY app for iOS and Android. It will feature information about the upcoming VR title with virtual YouTubes Inside-chan Mark2, Otonoha Naho, Nemui Fuwari, and Ginga Alice. Ulala will be there too, of course.
Unfortunately, you just won't be able to get your hands on the new game until next year. When it's available, you'll be able to jump into the world of Space Channel 5 by way of virtual reality on your PlayStation VR, Oculus device, SteamVR headset, or Vive. The rhythm game will introduce new characters and a new story to explore as you hold the controllers and dance along to the rhythm. In other words, it's absolutely awesome.

Looks like we'll have to wait until next year to get kinda funky. Are you just as disappointed as I am about this delay, fellow rhythm game fans?

Tuesday, 10 December 2019

Khloe Kardashian Gets Slammed For Calling Nearly Two-Year-Old Daughter True Thompson Her Best Friend

Khloe Kardashian shared an cute picture of herself and her 1 1/2-year-old daughter True Thompson on her Instagram account however could have been shocked on the response she acquired. Khloe has 101.2 million Instagram followers, some who’re different celebrities and others who’re her followers. While celeb response to Khloe’s picture and feedback was optimistic, there have been others who took problem with feedback Khloe made.
In the picture, Khloe and True are each seated on giant patio chairs positioned within the again yard. The two are dressed casually and Khloe is carrying blue denims and an ivory coloured, long-sleeve tee shirt. It isn’t that they appear candy within the picture that has folks upset, however relatively, some persons are slamming Khloe Kardashian as a result of she referred to as True Thompson her greatest buddy.
Khloe shared the next picture and caption that sparked controversy on social media platforms.
While a lot of Khloe’s mates praised her and even remarked that it appeared like she and True had been having a dialog, there have been others who stated that Khloe was immature by calling her toddler daughter her greatest buddy. Some prompt that Khloe wanted to be a mother or father first and take into consideration being her baby’s buddy a lot later.
Some left feedback saying that when True turns into a youngster, the very last thing she is going to want is her mom being her greatest buddy, and can as a substitute want a strict disciplinarian. Others disagreed and prompt that teenagers who really feel near their moms and may speak to them brazenly, as mates, will find yourself in much less hassle.
Khloe didn’t deal with any of the complaints, considerations, or points that individuals raised relating to her statements.
The Kardashians are all the time below intense scrutiny for his or her parenting model and Khloe isn’t the one to speak about her baby like a greatest buddy.
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Kim Kardashian has made related remarks when talking about her daughter North West and Kylie Jenner has as nicely. What do you consider Khloe’s feedback? Do you disagree with those that are slamming Khloe for calling True  Thompson her greatest buddy?