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nico2me   , 57

from Spring


Three Simple Ways Commercial Protective Window Films Can Help Your Business

There is more to window films than just protection from the scorching heat of the sun and glare reduction in commercial office spaces. Like reliable business partners or tools, they can significantly help any business owner in more ways than one. Here, you will learn about three simple ways protective window films can help you with your business.


Protective Window Films Have Long-term Benefits on Your Finances

Due to its ability to thwart a majority of the sun’s heat, a superior commercial window film can help keep rooms within a building significantly cooler, thereby reducing the load of your air conditioning system. During cold winter months, on the other hand, this protective film aids in maintaining a comfortable climate indoors by preventing heat from escaping the building, thus reducing heating costs. Imagine what reduced energy costs can do to your business in the long run.


Window films also commonly come with enhanced protection from the sun’s UV rays. Constant exposure to UV rays can damage not just people’s skin but other objects as well. It can cause paint, floors and upholstery to fade, therefore you will have to repaint and replace them more often in order to maintain your interior’s resplendent look and professional aura.

Window Films Can Help You Increase Productivity

Let’s face it; glare can be annoying especially if your workstation is right next to a huge glass window. While windows can provide many with an inspiring view of the landscape outside, the bright light coming in through these windows can interfere with one’s ability to focus on a task or in an important conversation. The discomfort brought about by excessive brightness can drastically affect people’s productivity.


Improve comfort inside a work space by having protective window films installed and you will see a dramatic increase in workers’ productivity and a noticeable rise in ROI over time. If you are renting commercial office spaces out, improved comfort levels can mean better tenant retention as people will be happier and more comfortable doing business in your building.

Enjoy Double Protection for Your Business

Protective window films can do more than just keep your offices looking bright and brand-new; they offer added protection from harsh weather conditions as well as from intruders. The scratch-, shatter-, and graffiti-resistant type protect your office windows from vandalism or accidental collisions, and when accidents happen -- as they sometimes do -- these films are able to hold the glass together and prevent glass shards from flying away in every direction.


These film varieties have also been known for their ability to deter would-be intruders as they are difficult to break. A few seconds of delay can indubitably discourage smash-and-grabbers from breaking into your property, forcing them to run away in search of more vulnerable targets.


Explore your options by talking to a professional. You can always find a reliable window tinting film company with a team of experts who can show you more ways window films can help you grow business.


Home Refinance Loans Give Homeowners Options



Although most people are aware, there are refinancing opportunities available, and many don't understand how refinancing benefits homeowners. There are specific situations where discussing refinancing with a loan expert is strongly recommended. In many cases, refinancing reduces monthly payments on old mortgages or sets the stage for making investments or merely improving an existing home. Below are a few examples where refinancing significantly benefits homeowners.

Lowering Mortgage Interest Rates

Many homes were purchased during a period when interest rates were higher. At this point, interest rates are still meager, meaning homeowners with interest rates higher than the current rate are wasting money every month. A mortgage loan professional will outline the advantages of home refinance loans in Houston, Texas.

Dropping the interest rate even one percent makes a tremendous difference in the total amount paid over the term of the loan.

Another common issue relates to credit ratings. If a mortgage was originated at a time when the borrower's credit rating was lower than it is now, the interest rate on the mortgage was most likely, higher than it needs to be. Many borrowers go through down times in their lives, but that does not mean they should suffer for it for the entire term of a mortgage. Anyone who has seen their credit score significantly improved since they closed on their previous mortgage should discuss the refinance option with a mortgage professional. Home refinance loans are a great way to take advantage of that higher credit score.

Converting an Adjustable Rate Mortgage

Buyers routinely take advantage of adjustable rate mortgages to qualify for a better residence than would otherwise be possible. The assumption is that the buyer's income increases over time, making it possible to be eligible for a more substantial fixed rate mortgage when their income is higher. If the adjustable rate mortgage isn't converted, the rates may escalate rapidly, making it difficult to make the payments, even with a more significant income. With today's low fixed rates, converting before the variable rate increases is generally recommended. Review the current mortgage with a Loan Officer to determine if now is the best time to consider a Houston refinance mortgage loans.

Borrowing to Remodel or Invest in Other Opportunities

Home refinance loans are an excellent way to tap into your home equity. Doing so allows homeowners to update a current home or use the funds to invest in opportunities promising higher returns. The refinance loans enable property owners to enjoy a new kitchen or bathroom without having to move to a new home. Income-producing investments like rental properties or new business ventures require a significant amount of capital, and using home equity may be the best answer to meeting those needs.  Qualified home loan specialists can provide guidance on how to best proceed if indeed it is the right course of action.

No matter what the reason is, homeowners routinely discover refinancing opens the door to new opportunities in life. Maybe the money is needed to finance a child's education or to remodel the existing home. Even long-anticipated vacations are often made possible by refinancing a property. Whatever the reason, discuss the options with a loan professional.

To get started, contact the nearest home loan specialist in your area or visit them online.




Advantages and Disadvantages of Mobile Homes



Like any other phenomenon in life, there are advantages and disadvantages to buying or selling a mobile home. The decision to sell or buy is usually dependent on the situation of an individual. Below is a list that should help your decision-making process as you look to sell or buy a mobile home as the case may be.

It is worth noting that mobile homes or manufactured homes as they are also called are suitable for practically all types of homeowners from the first time homebuyer to a growing family that need more space. Retirees and businesses have also found mobile homes to be beneficial.

Advantages of Mobile Homes

  • Ownership

One of the significant benefits of mobile homes is the ease of owning one as compared to brick and mortar homes. This is due to the relatively lower cost of owning such dwellings. Mobile homes also come in different types, making it easier for persons to own a home that fits their budget.

  • Flexibility

Another advantage of mobile homes is that they are more flexible compared to stick-built homes. This case mainly applies to persons that intend putting the mobile home on their land. Due to their semi-permanent nature, the houses can be quickly moved to different positions on a particular plot, or even completely removed and put on a new plot.

  • Mobility

This point is fairly obvious, going by the name – mobile homes. While moving these homes might not be as easy or cheap as moving a car, it is much easier to move mobile homes compared to permanent ones. If you intend living in a different neighborhood, you only have to transport the mobile home to your new location.

  • High-end Locations

One of the cheapest ways of getting into a high-end area is to purchase a mobile home. Lake property, beach property, and other such areas have higher land prices. However, buying a mobile home affords you the opportunity to live in these areas without having to break the bank.

  • Quality Control

Mobile homes are usually manufactured in controlled environments. This is unlike traditional houses that are exposed to natural elements during the construction process, which could lead to delays. Such factors could also lead to significant problems that may be hard to detect in the houses. With a mobile home, however, owners can move in faster when compared to building a brand new home, with the confidence that the quality of the house is controlled and tested.

  • Lower Taxes

Mobile homes attract lower property tax than brick and mortar homes, as traditional houses are considered “real property.” Therefore, a mobile home will be a great option if you find it difficult to get your desired financing for building a traditional house.

  • Maintenance

As mentioned earlier, mobile homes are much cheaper compared to traditional houses. However, it gets even better as it is cheaper and relatively easier to maintain mobile homes. Such worries like the installation and maintenance of gas lines, landscaping, plumbing/sewer lines, and other such issues are absent. This is particularly true if the mobile home is in a mobile home park.

  • Environmentally Friendly

Mobile homes are becoming more environmentally friendly due to the processes and materials used in construction. Improved quality and a smaller carbon footprint are some of the features and benefits of new mobile homes.

Disadvantages of mobile homes

This is where persons that are looking for how to sell a mobile home might want to look. However, it is worth noting that some of these disadvantages are also applicable to brick and mortar homes.

  • Depreciation

This is one of the significant disadvantages of buying a mobile home, as it tends to lose its value faster when compared to traditional houses. This is so as mobile homes are considered “personal property” and not “real property.”

  • Financing

As mentioned earlier, mobile homes are considered personal property and can be sometimes more expensive to finance, with higher interest rates and shorter terms.

  • Damage

Mobile homes usually sit on a lot and lack any permanent foundation. Therefore, they tend to be more affected by storms and other natural disasters compared to traditional houses.


The comparison made above will aid you as you decide to either buy a mobile home or sell the one you currently have.


What You Need To Know About Workers Compensation Benefits

The major workers’ compensation benefits include payment for medical care, lost wages, and physical rehabilitation and in some regrettable instances, death benefits. 

Workers comp definition is the payment made to a worker to cater to medical bills or in compensation for lost wages. Workers compensation could also come in the form of physical rehabilitation or death benefits to beneficiaries or relatives of the worker.


Workers compensation benefits

Lost wages are paid under workers’ compensation benefits when the worker experiences either permanent or temporary disability. Basically, the worker is getting paid for the wages lost as a result of not being able to work. In the event of a permanent disability, a worker’s compensation benefits claim can give a lump sum payment, depending on the victim’s current wages and expected life expectancy.

Like most states in the U.S., Texas workers compensation laws include provisions that allow an injured employee to enter a rehab program. This is beneficial to both parties – employee and employer, as it gives the injured worker a chance to re-enter the workforce shortly after the rehab treatment is completed. In some cases, workers re-enter the workforce even during the treatment.

In most cases, the workers’ compensation insurance carrier decides on whether or not the workman’s comp pay will be made to the employee. The insurance carrier is also charged with the responsibility of approving any rehabilitation or lump sum payment.

In a situation where the insurance carrier fails to approve the workman’s compensation claim for any reason, the employee or claimant has the right to appeal the decision. This is usually done before an industrial commission or a worker’s compensation board.

How soon should a claim be made?

The injured worker or victim, in this case, is required to file a workers compensation claim within twelve months from the time of the injury. Either the employee or his or her relative can file the claim. It is advised that the claim is filed as soon as possible. This is to avoid being suspected of a fraud as a long wait before filing a claim brings suspicion. Therefore, workers compensation should be filed as soon as possible.

Another point to note is the notification of the employer or company of the injury. It is required that the injured employee notifies his or her employer within thirty days of the accident or sustaining the injury. The time period usually varies depending on the state. However, a file must be made within thirty days. The failure to notify the employer could result in the injured employee forfeiting his or her benefits and any claim to them. It is important to note that notifying the employer is different from making benefits claim, as both actions are separate and should be done separately.

When notifying the employer of a workers compensation injury, it is required that someone in a managerial position is in the know of the situation and what led to the injury. It is not enough to tell a coworker as such a person might have little or no power over the situation. In circumstances where the injured employee is unable to reach the employer as a result of being admitted to the hospital, exceptions as regards meeting the deadline might be granted. However, this is not guaranteed. Therefore, injured employees are advised to try as much as possible to notify their employers within 30 days of sustaining the injury.

Once the employer is aware of the injury, a report can be submitted to the state’s worker's compensation board or industrial commission as the case may be. The employer can also take it a step further by notifying the worker's comp insurance carrier. This is the only time the insurance company can start to pay the medical bills and a portion of the employee’s weekly wages which could be as much as 66%.

An appeal to the industrial commission or the state's workers’ comp board can be made if the claims of the employee are rejected by the insurance carrier. The appeal and arbitration can go on if the carrier continues to reject the claim. However, it is usually advised that the employee hire a workers compensation attorney that can provide professional help to avoid having prolonged cases and ensure that the employee gets what he or she is owed.