What the Top Commercial Collections Agencies Do and Don’t Do

November 9, 2020

Cash flow is the lifeblood of any business. This is true of all business models, including business to business companies. You still need to get paid, on time, regardless of whether your customers are individuals or multi-conglomerate companies.

In fact, your overdue accounts tend to pack more of a punch in the B2B world. One contract could have millions hanging in the balance.

A business to business debt collection agency is there to help in case delinquent customers are threatening to turn off your cash flow. But don’t entrust this delicate task to just any agency. Check out this list to ensure you’re choosing the best agency for your needs.

Here’s what the top commercial collection agencies do — and what they don’t!

They DO Treat Your Debtors with Compassion

Every business has a code of ethics that informs how they approach overdue accounts. The top commercial collections agencies build theirs around debt recovery laws and trade organization best practices.

What this code ends up looking like is different for every commercial collection agency.

The debt recovery experts at Summit A*R have what’s called a P.H.D in collections. Standing for “preserve human dignity,” it means they treat each debtor with integrity and respect. To see how this influences their commercial collection services, check out Summitcollects.com for more information.

As you search for agencies, remember that whatever company you choose will be an extension of your company. Choose one with a code of ethics that matches your own; it’s the best way to ensure your debt recovery tactics preserve your business’ reputation.

The DO Have a Perfect BBB Rating

Reading up on an agency’s code of ethics on their website is a great starting point, but you’ll want to get a second opinion. A third-party look at their services will be the true test of how they treat your customers and vendors.

Go online to see how they fare on websites like the Better Business Bureau and TrustPilot, paying close attention to reviews left by customers and debtors alike. You know you’ve hit the jackpot when even the person who owed money leaves the agency a glowing review.

They DO Provide Transparent, Affordable Fees

The top commercial collections agencies value transparency when it comes to their rates and fees. They understand how frustrating it is to be in your position, with your cash flow in your debtors’ hands. They don’t want to complicate matters by sending you a complicated contract full of hidden fees.

Look for a commercial collection agency that takes their payment only if and when they successfully recover your debt. Upfront payments and mandatory minimums raise red flags about their billing process, so you’ll want to avoid these when you can.

They DO Collect Stubborn Debt

The top commercial collections agencies are masters of negotiation. In most cases, they can convince your debtors it’s time to make good on their payments with charm alone.

But fair-weather debt recovery isn’t your only concern. It’s crucial you find a company that can collect when things get tough.

Some of the top agencies will have a set of tools that they can pull out for the most stubborn cases.

Credit Reporting — Unlike in-house collections departments, a national debt collection agency has the power to share delinquencies onto business credit reports.
Skip Tracing — When a customer skips town, a skip tracing team can track them down with the help of a private investigator.
Litigation — If you need to take a vendor to court, the top agencies will ensure it’s a financially viable option before connecting you with expert attorneys.

They DON’T Harass Your Debtors

Perhaps the biggest stereotype of collection agencies is that of the tenacious phone call. Determined agents call all day and night, hounding debtors about their overdue accounts at dinner and at work. They’ll stop at nothing to get what they need.

But there’s a problem with this. It not only goes against a strong code of ethics, but it also violates the Fair Debt Collection Practices Act (FDCPA).

The FDCPA is a federal law that regulates the way debt collection agencies may treat debtors, and it prohibits unfair collection tactics. One of them is how often they can call people. According to the FDCPA, they can’t call someone before 8 a.m. or after 9 p.m. They also must stop calling if your debtor has an attorney representing them.

They DON’T Use Threats or Aggressive Language

Another negative stereotype of the industry involves the screaming collection agent hurling threats and obscenities at the debtor. Shady businesses fall back on these abusive tactics in the belief that intimidation will get people opening their wallets faster.

The top debt collection agencies will never represent your business in such a way.

The FDCPA prohibits any language that may be considered harassment, including profanity or threats. Any agency that uses these techniques are breaking the law and should be avoided.

They DON’T Misrepresent

Pretending to be someone else (like a lawyer, for example) may be another form of intimidation that’s against the law. While there may be accounts that require legal action, a genuine attorney will take on this role — not the debt recovery specialist. They also can’t threaten to do things that they can’t, including arresting someone who has overdue accounts.

No reputable commercial debt agency will ever lie about these things in order to get your money back; if they’re good at their jobs, they won’t have to resort to these deceptions.

With experienced negotiators on their team, the best agencies know how to reach a deal without falling back on these illegal practices. And again, they have tools such as credit reporting and skip tracing to convince even the most stubborn accounts.

The Takeaway

Every company will deal with at least one delinquent account over its lifetime, but this doesn’t mean you should take bad debt as the necessary cost of keeping your doors open. You deserve to get paid for your products or services, whatever they may be.

Consider this list a rubric for when you search for an agency. It sets reasonable expectations from your business to business debt collection agency by outlining what they will and won’t do. Partner with an agency that follows suit to have a reliable team on your side.

7 Indispensable Items Every Traveler Should Own

Дмитра Врачарић

November 9, 2020

Have you ever boarded a plane, only to realize that you’re never going to sleep because of all the noise? Have you pulled at itchy clothing, lost charge on a phone in the middle of nowhere, carted around bulky books to read or lugged a giant suitcase up a flight of hotel stairs? Everyone’s had a few miserable travel experiences, and they nearly always stem from not having the right stuff.

Travel may be on hold for the moment, but that shouldn’t stop you from stocking up on the essentials. Soon enough, global travel will go back to normal, and you’ll want to be prepared for when it does. With Christmas right around the corner, now’s the perfect time to think about travel clothing and travel gear.

Whether you’re buying for yourself or a jet-setting loved one this holiday season, here are seven items that no traveler should be without.

1. Merino Wool Clothing

Your life can be neatly divided into two sections: the time before you knew about Merino travel clothing, and the time after. This wonder-material has long been a poorly kept secret among world travelers. It makes traveling so much easier and cleaner.

Because Merino wool is breathable and bacteria-resistant, you can wear it for long periods without it getting smelly. Some travelers report wearing their Merino wool shirts for weeks on end without any noticeable odour. That’s not all. Merino wool is also insulating, meaning you can wear that same t-shirt as an effective base layer in cold weather.

It’s soft, quick-drying and sweat-wicking too, making it an all-around powerhouse for travel wear. For versatile, sophisticated Merino wool travel clothing, check out Unboundmerino.com and peruse their shirts, underwear, socks and sweaters.

2. Packing Cubes

If you’ve ever dragged a large suitcase up a cobblestone hill in Europe, you can attest to the merits of packing light. You can do the “roll method” to help save space, and, of course, you can cut down on the amount of stuff you pack. But for an effective tool that enables you to reduce the size and keep everything you want to pack, reach for packing cubes.

Essentially, packing cubes are like mini-suitcases inside your suitcase. They compress your belongings, removing all that unused space and allowing you to fit more inside a bag. They’re also handy in that they organize your belongings. The last thing you want is for your bag to fling open on the luggage carousel and some underwear to come tumbling out. With packing cubes, you keep everything neatly compartmentalized.

3. Noise-Canceling Headphones

As a traveler, you have to contend with a lot of noise: screaming kids on the airplane, boisterous chatter on the train, raucous parties on the street under your hotel room and more. To tune out the sound, grab a pair of noise-canceling headphones.

While still more expensive than regular headphones on average, noise-cancelers are well worth the investment. Especially in those first few days arriving in a foreign country, when you’re battling against jet lag to get a good night’s rest, they are true life-savers.

4. A Portable Charger

Nearly every operation requires a phone. When you need to consult a map, you check a phone. If you have to call your embassy, you reach for your phone. And when you need to figure out where to eat for dinner, your phone has a ready list of recommendations. It’s a vital lifeline.

To ensure that your lifeline never goes dead, pack a portable charger. These handy devices allow you to wirelessly charge your devices – phone, e-reader, camera, etc. – wherever you are. They aren’t expensive either, making them a great stocking stuffer idea this Christmas.

5. Portable Wi-Fi

The same way a portable charger keeps you connected to your lifeline, a portable Wi-Fi device ensures you’ll never be without the internet.

These small but mighty devices allow you to connect on the road. If you’re lost in the middle of Tokyo and in need of directions, a portable Wi-Fi could be your savior. And if you just need a few YouTube videos to pass the time as you bus across South America, a portable Wi-Fi device provides at-the-ready entertainment.

Unsure which of the many portable Wi-Fi devices to choose? Consult this Wirecutter article, which lists the best devices at a number of different price points. Their top pick is the Verizon Inseego Jetpack MiFi 8800L, which doubles up as a portable charger.

6. An E-Reader

Physical books certainly have their time and place. It’s a fantastic feeling being able to rifle through the paper pages of a novel. But when you’re traveling, you have to consider space and weight.

If you don’t already own an e-reader, consider picking one up this holiday season. E-readers have the capacity to store countless books within a thin, lightweight tablet, ensuring that you’re never without a book to read. They fit neatly within the pocket portion of your backpack or suitcase. And, because the technology is nearly 15 years old now, they have come down in price significantly.

E-readers may not be as romantic as their paper counterparts, but reduce space and weight and allow you to carry thousands of books wherever you go.

7. First Aid Travel Kit

Source: Columbia Nurse Practitioner Group

Safety comes first – or, in the case of this list, it comes last. It’s always surprising how few travelers carry a first aid kit. Traveling is ripe for unexpected accidents, including scrapes, scuffs and cuts, and those accidents don’t always happen under hygienic circumstances.

Especially in the time of COVID, you want to avoid hospitals and clinics if you can. Find a first-aid kit that comes with hand-sanitizer, band-aids and gauze, and supplement your kit with cold medication and other over-the-counter treatments.

Before long, you’ll be back on an airplane heading to a far-flung destination. To ensure that your trip goes off without a hitch, pack these seven essential items. If you have a globetrotting loved one in your life, use this list for gift inspiration this Christmas. Happy trails!

Is a Root Canal Treatment Harmful?

Дмитра Врачарић

November 9, 2020

Skepticism may shield you from harm or poor decision making in many situations, but when it comes to medical and dental questions, the “background noise” of public talk or poorly researched articles can trigger and – in some cases – even exaggerate already existing fears, to a harmful degree.

The fear of the dentist is as old as dentistry. Among common dental procedures, root canal treatment and wisdom teeth removal undoubtedly take the top spots in terms of dental anxiety among most patients. But, thanks to modern methods of anesthesia and minimal-invasive approaches, most of these fears are exaggerated and the benefits of the treatment far outweigh the risks of both of these procedures.

According to gddc.qa the rationale for root canal therapy in general, stipulates that, once the dental nerve and pulp, get either infected or irreversibly inflamed, it needs to be removed and the emptied root canal should be disinfected, cleaned and shaped for a root canal filling. In other words, the tooth should be preserved in function, by eliminating the source of the pain. The main objective therefore is to save the tooth from otherwise being extracted. And, according to literature and the combined experience of a vast majority of dental professionals, it works very successfully since many decades.

So, why is it that, this established and scientifically proven method of tooth preservation, is being criticized from a small number of dentists, who apparently found a sizeable audience.

To explain this, we need to look back to the founder of the idea of the harmful root canal treatment, which takes us back almost a century to the year 1922 when Dr. Weston Price published his textbook outlining what he saw as potential dangers from Root Canal Therapy. He argued, that root canal treatments, would cause severe illnesses and chronic diseases. Almost immediately, his arguments were dismissed by the American Dental Association (ADA) with reference to a lack of scientific evidence for his proclamations in the light of overwhelming evidence for the benefits of root canal therapy. Although Dr. Price didn’t find a significant followership in his times, his work gained late attention in the circles of alternative medicine. As the century passed, the arguments are largely unchanged. Root Canal Treatments are being suspected to cause chronic diseases and autoimmune responses, without providing any scientific evidence to prove the claims.

But in the age of the internet and its huge load of valid and invalid sources, scientific evidence is not always considered sufficiently – especially and understandably – by readers or listeners of a non-scientific background.

Source: Hospital Lane Dental and Implant Clinic

It is up to the scientific community and their representative bodies, to counter false or unfounded claims, wherever they arise. This is as true for root canal treatments as it is for most vaccinations.

With that being said, the following summary is meant to shed light into some of the most common misconceptions and false claims (we will refer to both of them as “myths”) in regards to root canal therapy.

1^st myth: the procedure is very painful

The fact is that most root canal treatments done under proper local anesthesia aren’t painful. If there is a pain experience, it is almost every time manageable with further local anesthesia. Especially methods like intraligamentary and intrapulpal anesthesia can help out, in severely inflamed teeth, where there might be a resistance to conventional local anesthesia. The pain management on infected teeth can also involve a prescription of pain medication (and in some cases antibiotics) prior to the root canal therapy.

Unfortunately, not all dentists mastered the art of pain prevention and management through the proper application of different anesthetic agents and methods. But most dentists and almost all specialists in endodontics show sufficient skills nowadays.

It is important to remember, that root canal treatments are in fact the most effective way to resolve dental pain and save the treated teeth at the same time. Most patients leave their dentist very satisfied, but as with most things, it is rather the negative medical experiences that get reported to our friends and family.

2^nd myth: Root canal treatments cause illness and chronic diseases

As already mentioned above, these rumors bar any scientific evidence. The scientific community is also not taking them seriously, because all evidence points to the advantages of root canal treatments. This, however will not prevent the spread of false information in the digital age and dental professionals will have to further educate their communities and patients on this and similar other dental topics to counter some illegitimate claims from the spheres of alternative medicine. The most effective way to achieve this might be a less scientific approach and rather an appeal to the common sense of the patients. Their skepticism might be shaken by the simply outlying the alternative treatment plan, which almost always involves invasive extractions and costly replacements by implants or fixed partial dentures. Some alternative dentists, I talked to about the question of alternatives, told me that they recommend just to leave the extraction site alone and do nothing.

Considering that teeth play a crucial role in our food intake, digestion and quality of life, this argument might – for very good reasons – not appeal to too many patients. Even dental implants, which can safely be considered the best alternative for a missing tooth, should not be seen as a better replacement in case there is reasonable hope to save a tooth through a root canal procedure. Firstly, the tooth is structurally superior to any artificial replacement. Secondly, sufficient root canal treatments have roughly the same long-term prognosis as dental implants. Last but not least, a successful root canal treatment comes at significantly lower costs, when compared to implant procedures.

With all this information in mind, the patient still has to make a sophisticated decision, which must not always favor a root canal therapy. But an unjustified vilification will deprive many patients from, what is one of dentistry’s most established conservative procedures for saving teeth. And that would constitute nothing less than a major health awareness issue.

4 Ways New Technology Is Improving Counselling and Psychotherapy

Дмитра Врачарић

November 9, 2020

The 21st century is amazing because of many reasons. However, we can’t say that everything in today’s world is perfect. Advanced technology changed the habits and lifestyles of people. We now live our lives quicker, and that sometimes directly influences our mental strength. People have to deal with many stressful moments for only one day. In most cases, those stressful moments they experience at work. However, trouble often continues with some problems at home. Partners are arguing because of the lack of cash flow or lack of time. The everyday duties do not allow them to enjoy their free time to the fullest.

Despite life problems, people of today have many ambitions. We can say for the entire humankind that we became an ambitious community. The path to success is always full of uncertainty. You work hard on your goals, but you never know if the effort will pay off in the end. Because of that, many people become anxious and a bit paranoid.

Not knowing how to handle stress does not make you a weak person. That only means that you deal with more negative thoughts than positive ones. Just because you are not experiencing physical pain, that doesn’t mean you do not need help from an expert. Many experts offer counseling services. These services may be the medicine you are looking for. Websites like carolinebronte.co.uk are the best place to go after reading this article.

Yet, we need to highlight one thing here. After mentioning the negative side of new technology, that doesn’t mean everything around it is bad. Technological progress directly influenced the entire psychotherapy and counseling field. Because of that, we would like to talk about ways new technology is improving those two things. That especially becomes valuable during the pandemic when all the people are trying to protect their health.

1. Better Communication Between Psychotherapist and Patient

Chat rooms and other virtually shared environments positively influenced the quality of counseling. The pandemic and stay-at-home rules are not the only reason why technology means a lot for the entire field.

Some people live in isolated areas of the country. These people need to invest a lot of effort and time to come to the nearest city each day. Instead of that, they can relax at home and try to solve their problem from the comfort of their room. Despite effort and time, these people also need to invest more money on transport costs. It doesn’t matter if they go by bus or car, having that expense is not something everyone can afford.

There is another common issue for almost every individual. Some people simply do not want to accept they need help. Even if they do, that doesn’t mean they are going to visit a psychotherapist. More precisely, they have a hidden fear of doing something like that. In this way, they will feel more comfortable asking for help.

2. Patient and Psychotherapist Share Information Between Each Other Successfully

Here comes another thing that we need to highlight. Psychotherapists can use technology to modernize their knowledge. More precisely, the pieces of advice do not always need to come in the form of words. They can share different facts with their patients in form of videos and graphics. When we talk about the newest technology, it allows them to share information in the 3D form. That will make the entire treatment more effective. Psychotherapists and patients will manage to accomplish their mutual goals quicker.

Despite that, gathering information is no longer a problem for every expert. Becoming a good psychotherapist is not an easy task. The knowledge improvement process lasts long. Understanding human nature, mentality, and different types of problems requires time. Yet, another thing they need to know is that education never stops. The environment is changing quickly, and different strategies and tactics are necessary. Thanks to advanced technology, they can manage to collect all the necessary data. They will reach the newest strategies, connect with more experienced people, etc. In that way, they can only improve the quality of their work.

3. More Opportunity for Advertising

Every type of business requires certain investments. That especially counts when we talk about advertising. Yet, paying for TV commercials usually costs us a fortune. On the other hand, social media, blogs, and other online advertising channels make that part more affordable. That is one of the ways how technology is improving counseling and psychotherapy.

Let’s imagine that you are a person that feels unconfident to visit a psychotherapist. You can easily find more information about that person and his/her work online. Most of the experts started to share their knowledge throughout their personal blog. The pieces of advice they share there is a good piece of evidence that confirms their expertise. You will start feeling like you know that person. Fortunately, that will lead to a closer relationship between an expert and a patient. All these are the benefits that future patients should use.

On the other hand, counseling and psychotherapy become more attractive to people. We are not talking here about better profit that experts from this field can reach. These experts truly have the desire to help people solve their psychological problems. They can reach those people in a lot easier way, and provide them with the necessary help.

4. It Makes Everything More Flexible

Patients sometimes need help urgently. However, the experts also have their working hours. You won’t manage to find them in their office 24 hours a day. Thanks to new technology, they can contact them in every part of the day. In other words, new technology is making the entire industry more flexible.

Here comes the best part. An expert and his patient do not even have to be in the same country. The advanced technology will allow them to connect in every part of the day. In-person visits to a psychotherapist are no longer the only option.

Final Thought

Stress and anxiety won’t disappear alone. There are two options you have. The first option is to solve the problem on your own. However, if that’s not working, using counseling services is the only option you have. Your psychotherapist will guide you until you find the source of life problems. After that, you will manage to find the solutions. If you are looking for the best way to release negative thoughts, this may be the best option.

Sweatshirts Trending this Winter 2024

Anne Kelly

November 9, 2020

sweatshirts for women — img source: hearstapps.com

Have you noticed that the knitted sweaters, due to their luster and stereotypes, were commonly worn by the British until the nineteenth century? Nordic stories accept the accepted example and are both a hit and a hit for those that wear it.

For the nonce, Link Woven Sweatshirts would really like to travel for any fall wardrobe finish, which is why we collect a pair of our high options to supply you!

Women’s Double L Mixed Cable Sweatshirts, Staff

This mid-weight Link Sweatshirts for women is ideal to wear during the autumn and spring and is amazing to wear within the colder times of the year. Using yarns that are expert dogs, this contact is extremely delicate and divulges incredible detail inside the body.

One analyst stated: “I want to scrub and dry my sweaters so I expect a number of them to be reduced. I usually wear a size medium. I made an enormous request, and after washing and drying this sweater, it fits the defects. It’s very warm and I am really willing to wear it. I’ll look out of it again. ”

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Overseas Alpaca staff

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Nowadays, they’re not all normal. (Styles dominate the gang with massive announcements, emotional outfits, and other extravagant, interesting things.) Still, sweet shirts stand out and in need. It’s getting to be cold and people folks who believe staying cool and warm will still be the focus of our outfits from now until April.

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Design shows don’t usually apply to your general style, but that does not mean you cannot accumulate some inspiration and make it your own. Here are ten winter patterns you’ll try. Which, of course, made the video a short-lived sensation? From the extra-long sleeves to the once-useless legs that we wear to stay warm during this cold time of year (look cool anyway).

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5 Reasons You Can Vouchsafe for the Importance of Payroll Software for Small Businesses

Дмитра Врачарић

November 7, 2020

First off, let us start with a statement exuding a strong conviction, i.e., any organization that has more than an employee must have payroll software such as Uzio in place to take care of the management of its payroll services. Ensuring that your employees are paid consistently and on time, not only has a positive impact on the morale of your workforce, but it also indicates a lot about your company’s financial stability. Moreover, you have to take proper care of the fiscal health of your organization by honoring different taxes and law-related compliances. While this all makes a complex process, having an efficient and complete payroll solution in place helps you streamline the whole HRIS and payroll services’ eco-system in your organization.

Payroll software is one of the first technological investments small businesses should make as a part of their growth-oriented business strategy. And a majority of the SMEs are doing exactly the same as they understand the potential bottlenecks payroll software eliminates, including (but not limited to) inaccurate paychecks and vexed tax authorities.

Let us now look at the advantages provided by a complete payroll software that streamlines the whole process, and emboldens you to vouchsafe for its indispensability for small businesses. A business implementing payroll software can expect accomplished payroll processes, ensuring compliance with legal and tax authorities along with simplifying the payroll services for all the employees.

Reasons why payroll software is crucial for the success of small businesses:

1. Payroll software is essentially time-saving

Running payroll is a tedious and time-consuming affair, especially if you have to do all the calculations manually. This is so because, managing a small business in itself is a tiresome job, requiring multi-tasking on part of the closely-knit but small teams. And, monthly payroll calculation is an additional burden that could otherwise be avoided with the help of payroll software. If you have an efficient payroll software integrating your HRIS and payroll services in place, it would relieve you to concentrate on the strategic tasks.

With an automated payroll process, your employees can invest their time on more critical tasks instead of payroll calculations. Your payroll software would require only a few clicks to get the paystubs sorted out for all your employees.

2. Payroll software ensures payroll data safety

The payroll related information of every organization is very sensitive as it involves data related to conforming to various laws along with compensations, deductions, and personal details of the employees. Keeping this data safe and organized is crucial. For this, renouncing paperwork and files is the first step businesses should consider. For this, you need to find and deploy a best-fit payroll software that allows integration of existing payroll functions.

When your payroll data is stored on the cloud, there will be minimal risk of data theft, loss, or misplacement. With this, payroll and HR teams can even search the required information in just a few clicks anytime, anywhere.

3. Payroll software is a cost-effective solution

With cloud-based payroll software, your business will only have to subscribe to the service in order to use it. With a cloud-based payroll solution, you do not have to invest in costly hardware infrastructure as well as different software packages. Moreover, you do not have to invest in outsourcing payroll services or hire more staff to handle the payroll operations. This all certainly saves you money to make it a cost-effective solution.

Simply put, by choosing a cloud-based payroll software solution, you are sure to save heavily on IT support costs, on-site server fees, and usual upgrades to the software and pay condition templates when legislations related to payroll change. All support and upgrades are included in your subscription and updates are automatically made to the software as soon as changes to the laws are announced.

4. Sparing you the administrative overwhelm

Most businesses, especially smaller businesses, prefer managing and processing payroll in house for various reasons. But with all its intricacies, this increases the overall burden for the people handling payroll. This usually leads to inevitable payroll errors and exploitation of various laws. Payroll software cuts down the administrative load as it takes care of the whole payroll process on its own, without any human interactions.

5. Payroll software optimizes your whole payroll process

Every Business aspires to excel and improve its operations and overall productivity. To achieve this objective, the proper management of payroll services is very crucial. Payroll software comes in handy here as it optimizes the whole process and mitigates the possibilities of human errors in payroll calculations to guarantee overall accuracy. With a good payroll solution, you archive the complete data online for safe and easy reference. It also streamlines the processing and calculation of employee taxes, keeping up with statutory regulations, and much more.

Payroll software is one of those top business solutions that use fewer resources, but at the same time increase overall productivity and Returns On Investment (ROI) by optimizing the whole payroll process.

Business owners, especially in the case of small businesses, are expected to discharge multiple responsibilities on any given day. Though this hustle and bustle in tackling multiple challenges is a part of the excitement of managing a start-up or a small business, it can get overwhelming at times. Moreover, it wouldn’t be pragmatic on your part to expect yourself to be an authority in every area of your business. And, payroll management is one such business function, the management of which is better delegated to the specialists.

One of the best ways to streamline payroll operations and save time is by implementing payroll software for your organization. Some small businesses at times are surprised to find out the various advantages provided by a complete payroll solution and feel that their requirements are too small to exhaust all the benefits. However, business owners who choose to set up payroll software early, enjoy advantages that save them both time and money. When you are starting a business, it is easy to think you are too small to need payroll software. However, making the early investment to partner with an integrated cloud-based solution can put you on track to hire and pay your employees with ease as well as help you prevent unnecessary penalties — crucial advantages to your business’s success.

6 Essential Things to Know Before Choosing an Online Casino

Дмитра Врачарић

November 5, 2020

Choosing an Online Casino — Img source: pexels.com

Imagine a great day in your life. Your boss offers to give you the pay raise you had been asking him for a long time. You just bought the latest model smartphone you have been planning. After a long day’s work, you take your home-made extra cheese pizza, a bottle of coke; relax on your comfy couch while installing apps on your smartphone. You accidentally bump into an online casino game and decide to try your luck with it. Hold on a second, have a look at this article before investing your hard-earned money.

Some play online betting games as a means to kill time, while others consider it a serious hobby. If you are new to online gambling, irrespective of which category you think you fall into, there are certain things you need to know in advance.

1. Cutting-edge online gambling sites:

While shopping for dresses, even though you like the very first dress you see, wouldn’t you want to have a look at other dresses too? Our human mind is programmed to get attracted to those things that provide a wide range of options. Similarly, no one would stick around an online gambling game that presents you with limited gaming options. Everybody loves to be better than the best and win their wagers. To be able to enjoy a seamless game, the interface has to be strong and must not consume a lot of time to load. In addition to the interface, graphics, sound, and the quality of the games also play a vital part. The website must be able to provide the best gaming experience both online and on mobile.

2. Banking features:

Unlike other app/play store games, casino games require you to save your card details and invest cash for playing. Hence give top priority to the website that provides the best banking experience. The gaming account must be easy to use and manage. Never choose the website that limits your game by placing unwanted restrictions. For instance, with yes8sg.com, you can expect a wide range of transfer options, fast, seamless transactions, and withdrawal of your winnings at ease.

3. Bonuses and promotions:

If you visit a local land-based casino near your house, they might offer you a free drink or snack and offer you the best seat available on their casino. They might even let you cut through the meter-long queue and let you in as soon you arrive. All these might make you feel special, but they do not make any sense or of any value to you while you are betting your chips. While playing, all that matters to you is that you win and take home big.

On the contrary, online casinos offer you something worthy. Yes, you guessed it right; they provide you the much-needed bonuses and rewards on your first money deposit. Some casinos give you more free spins, while some even offer free cash for playing without a security deposit. Never miss out on such casinos as you get the maximum benefits. Explore the website more and try to spend your free bonus wisely, playing as many games as possible. Go for those sites that provide offers not only for starters but throughout the year.

4. Wider game selection:

All online casinos have games like Live Blackjack, Slots, Live Baccarat, Roulette, Sportsbook, Live Casino, Online Lotteries, etc. There are websites, such as alternativecasinos.com, that offer innovative games in addition to the ones mentioned above. This lets you shuttle between games when you feel bored or when you feel like you are not getting a grasp of it. The more the number of games, the merrier it makes the players. Interacting with the live game dealer and your co-players through chat makes you feel real and genuine. Meeting technology at the comfort of your living room gives you an out-of-the-world experience.

5. Have a look at online betting reviews:

Each website has its own sets of rules and regulations it would require the players to follow. The websites would try to present the most intricate game rule in a way as friendly as possible. There is more to an online betting website than that meets our eyes. Hence, it is our responsibility to analyze and not get carried away by eye-catching advertisements and miss the obvious. Always go through the reviews of the players to know the website better. There are various review sites available online that provide honest reviews.

6. Customer support:

Every online site requires excellent customer support. There will be moments when you will get stuck in the middle of a new online game, not knowing how and where to proceed. At times, your internet connection might snap while trying to make a credit card payment, deducting your money, and not crediting it into your casino account. As a newbie, when you encounter any such situation or an equally helpless moment, customer care comes to the rescue. The best gambling sites enable you to connect to customer support faster in the hour of need. The solutions they provide you must be relevant and problem-solving rather than just beating around the bush or presenting irrelevant solutions.

By interpreting how fast and flawless customer care support is responding to your queries, you can understand how reliable the website is.

Other considerations:

It is time for us to wrap up the article, not before mentioning a few other considerations.

The first being the money transactions. The site must be transparent enough for you to witness how your money is managed. It also must allow you to withdraw your winnings quickly.

Also, as a new casino player, if you keep losing at games, you might feel that the casino is rigged. Even though there are casinos out there trying to trick their players into losing their money, they won’t last for long. There are software that make sure things are fair.

Play games available for free initially to ace the games, and win big as you keep playing. So, are you ready to learn your new hobby?

3 Historic Product Liability Cases You Need to Know About

Дмитра Врачарић

November 4, 2020

The use of defective or harmful products results in thousands of injuries annually in the U.S. Product liability law outlines legal guidelines for determining who is responsible for dangerous or faulty products. In some cases, the law makes it easier for victims to receive compensation for their injuries.

Generally, manufacturers are required to deliver products that meet the expectations of the consumers. Product liability refers to manufacturers or sellers being held liable for offering defective products to consumers. Responsibility for related injuries may lie with any of the sellers in the distribution chain.

For a product liability claim to arise, the defective products must be sold in the marketplace. Traditionally, a contractual relationship must exist between the victims and the suppliers to recover the damages in many jurisdictions. Any users who foreseeably could become injured by defective products can file a lawsuit and receive compensation, even if they were sold to someone else.

The following are some examples of historic product liability lawsuits. Let these be a lesson to manufacturers who don’t do everything they can to protect the public from defects in their products.

1. Monsanto’s $2 Billion Case for Cancer-Causing Product

There have been thousands of suits against the agrochemical company from product users claiming that one of its products, Roundup, causes cancer. One of the most notable lawsuits was the case of Johnson v. Monsanto in 2019, which went to trial. The incident acted as a bellwether for many other similar cases, which were consolidated into a single class-action lawsuit.

The court awarded the victims $39 in compensatory damages and $250 million for punitive damages. After some time, the settlement was reduced to about $10.5 million. During the case, it was established that Monsanto’s weed killer caused some medical complications. According to the jury, the company failed to warn consumers about the risks of using the product.

In early 2024, another lawsuit was filed against the agrochemical firm on the same basis. In one of the cases that went to trial, the plaintiffs were awarded $2.055 billion in damages, where $2 billion as compensation for punitive damages. The court found that the victims developed non-Hodgkin’s lymphoma after using the weed killer.

2. Transvaginal Mesh Case

Transvaginal mesh is an implant that’s commonly used to treat stress incontinence. The first time a transvaginal mesh case went to trial was in 2012. Many other lawsuits came up later, and medical device manufacturers were forced to pay about $1.5 billion in compensation to more than 100,000 claimants.

This mesh is designed to support weak pelvic organs and to repair any damaged tissues. However, it was established that using the products had adverse side effects among thousands of users. The victims argued that the manufacturers rushed the testing process, leading to some victims developing medical complications such as fistula and experiencing debilitating pain.

3. Takata Defective Airbag Lawsuit

In 2014, the NHTSA noted these airbags were defective and called for their recall. The product used dangerous materials as propellants, which led to destabilizing after exposure to excessive heat or humidity. Takata airbags were used by some of the leading vehicle manufacturers, including Ford and Honda.

At the time of the recall, the products had already been installed in tens of millions of vehicles in the U.S. According to statistics, the airbags have caused at least 16 deaths and hundreds of injuries among the users. The plaintiffs argued that the manufacturer knew about the defects as early as 2000.

Other Liability Lawsuits that Changed History

These next four cases are some of the most famous liability lawsuits that reshaped the way we make a stand against manufacturers and hold them accountable.

The Philip Morris case of 2002. A woman filed a suit against the tobacco company claiming that cigarettes have caused her lung cancer. She put on the table the concept of tobacco addiction and the company’s failure to warn her properly about the risks of smoking cigarettes. The courts ordered Philip Morris to pay punitive damages of $28 billion and compensatory damages worth of $850,000. After appeals, nine years later, the tobacco company settled for $28 million. It is hard to go against the tobacco industry these days, because it has learned its lesson, but class action suits in tobacco-related cases are still a common sight in the judicial landscape of our times.
Source: Pinterest
In 2014, automotive giant General Motors faced a series of liability suits concerning faulty ignitions in their vehicles. The shutting down of cars while they were operating led to accidents and the death of more than 100 persons. The result was that GM recalled more than 20 million vehicles, paying about $600 million to settle civil lawsuits.
The famous McDonald’s Hot Coffee scandal is something all lawyers and even non-lawyers know about and discuss. A woman spilled hot McDonald’s coffee in her lap and suffered third-degree burns. She won in court $2.7 million in punitive damages and an additional $160,000 for medical expenses. The argument her lawyers brought was that McDonald’s sold their coffee at a staggering 180-190 F temperature, while other fast food chains sold theirs at a more reasonable 140 degree temperature.
Source: Philadelphia Inquirer
The Dow Corning suit dates back to 1998 and revolves around faulty silicone breast implants. The company had to settle to pay about $2 billion as part of a larger $4.25 billion class action suit. Women who have filed against Dow Corning showed that their breast implants ruptured, causing injuries, scleroderma, and even death.

Holding Manufacturers Accountable

The best way to hold manufacturers accountable and demand they do better for consumers in the future is to hit them where it hurts most: in their profits. When a company is sued for selling defective or dangerous products, it may face dire consequences. This may even result in its collapse. Some lawsuits may result in bankruptcy.

When dealing with a product liability case, it is important to have an expert on your side who fully understands the process and can guide you. If you’re thinking about suing for product liability, an attorney, like the ones on onmyside.com may be able to tell you about any class action lawsuits you can join. They may also be able to negotiate a fair settlement for you directly with the manufacturer’s insurers.

How to Win Fight Against the Drug

Дмитра Врачарић

November 4, 2020

Addiction can be of so many types, and it varies on the type of product you start to consume. Due to certain happenings, experiences, and circumstances, people indulge themselves in fatal kinds of stuff, and drugs are on top of them. Many forms of drugs are being consumed, but we will specifically discuss the most common ones that how one can get rid of this craving and habit. What are the symptoms, and how can they be controlled? But first, we need to know a treatment plan properly designed for an addicted person.

A detox program is one of the favorable options for a treatment plan and a cure for addictions. People who undergo detox understand its value and know that it helps out in a great way. During the program, medical staff and professionals tailor your requirements and understand your needs and design the plan accordingly. They make sure that plan works for the patient, light on the pocket, and brings a favorable change in a person’s life.

Many teenagers and adults are involved in such habits, which is an alarming situation for society. Opiates and alcohol are the top most consumed drugs that are destroying the functioning and minds of humans. Let’s dig into the little details of these lives taking drugs.

Origination of Opioid

Opioids are sedatives that are extracted from opium poppy plants, and sometimes they are synthetically contrived. They make a person sleepy and help in alleviating pain by giving a feeling of joy. It is available in different forms that can be categorized as synthetic, semi-synthetic, and naturally produced. Morphine, Codeine, Oxycodone, Hydrocodone, Heroin, etc. are widely used as forms of Opioid. From all of these mentioned forms, Heroin is an illegal drug.

These are consumed in different forms like injecting it in veins or muscles, consuming pills, smoking it in a cigarette or cigar, or snorting. With continuous usage, tolerance is built up, and people start injecting it in their bodies several times a day. In the last few years, 54% use of opioids has been increased in several states. Opioids are sometimes given to the patients after surgery to overcome pain, and because of the long recovery time, the patient’s body becomes used to the drug. Hence, the person starts depending on the drug, and this dependency increases with time. When the patient leaves medication, withdrawal signs are noticed in the form of nausea and headache.

This withdrawal period needs assistance and help from a professional center because it can lead to immediate death and respiratory diseases if the patient takes an overdose.

How to treat Opioid Addiction

Source: USC News – University of Southern California

Opioid Detox is the treatment for curing and controlling addiction. When an individual abuse opioid, they experience the needs of addressing their condition to medical experts. Many people don’t discuss and struggle on their own, but the condition gets worse. The consequences become negative and result in craving for the drug, high blood pressure, cramps, sweat, nausea, irritation, anxiety, unclear vision, and pain in the bones.

Usage of Alcohol and Alcohol Detox

More than 14 million people consume alcohol and are badly affected by its use. It is the third reason for the increased death rate. The population which dies from alcohol consumption includes 40% females and 60% males. Its trend is increasing worldwide, and many people consume it daily. It has become part of the social lifestyle of the major population.

Many people start drinking by watching their company having it. Many people get socially influenced by drinking habits even after knowing the damage and consequences. According to the World Health Organization study, more than three million people die because of its consumption, and millions of people experience physical disabilities. It damages human health and has the power of changing a strong man with good health to poor health in a short period.

It is also an increased risk of premature mortalities in the age group of 15-50’s. It is highly damaging for health and can cause seizures, liver issues, kidney issues, and heart disease. When people realize they need to quit this habit, they feel withdrawal symptoms leaving the habit of drinking. The withdrawal varies from person to person, and the state is different, but on average, the general symptoms observed are mild after six to twelve hours of the last drink consumed. The person at this stage feels headache, slight anxiety, and disturbance in the stomach. After passing 24 hours, people experience hallucinations that can be visual and auditory. Lastly, after a complete day, symptoms are at its peak, and a person is at high risk of seizure.

Source: Behavioral Health of the Palm Beaches

Rarely, individuals experience disturbance in sleep, mood swings, and fatigue. In this critical situation, it is very important to seek professional help and admit yourself to a detox program center. Many centers are offering Alcohol Detox and serve humanity by helping them get over their drinking habit. A person who is treating his condition on his own at home is at high risk because he doesn’t know the complexities and treatment phase. The professionals know how to tackle the symptoms and educate the patient. Various medications, therapies, massages, a cozy environment, and professional assistance are provided at the drug center to control a drug addict’s state.

People need to be aware that parties, dinners, and social life can be enjoyed by not consuming such dangerous drugs and drinks. Life is a gift and a blessing. Don’t waste it on useless drugs that blow you away like the smoke of weed. For more info, visit gallusdetox.com.

Is detox suitable for teenagers?

The answer is yes. People have certain perceptions that young ones shouldn’t opt for detox. You can have detox treatment at any point when you realize that things can get worse or already got worse. A teen can also have a history of drugs, so in that case, detox becomes a necessary chunk for the entire treatment. It is never too late to be back on the right path once you realize.

How to Save Money on Your Next Clothes Shop

Дмитра Врачарић

November 4, 2020

If you’re in desperate need of a new wardrobe, but you’re reluctant to spend above what’s absolutely necessary, then you’ll be pleased to hear there are ways that you can treat yourself to some incredible new attire, but for a fraction of the usual cost. So whether you’ve got a family event lined up or simply looking for casual lounge-wear, you don’t have to spend excessively on your clothes.

Shop out of season

This is a well-known method to save money but not the easiest to follow. Shops are usually keen to clear stock when they’re out of season so there tends to be some great deals on offer if you buy out of season.

In the summer months, the last thing you want to be thinking about is your winter coat. Likewise, you’re unlikely to be considering purchasing shorts or swimwear in December. However, having a little preparation for the seasons ahead will usually mean it’s much less damaging to your bank account.

You should also keep a keen eye out for special offers and sales. The Evening Standard provide a helpful roundup of the latest deals and offers from some of the top brands and retailers.

Think more carefully about trends

Although we all want to be wearing the latest fashion, something that’s on-trend today could be seen as not so stylish in a few months from now. The last thing you’ll want to do is spend a large chunk of your budget on something you might only be able to wear once or twice. So think carefully if you’re purchasing something that’s recently on-trend as there is a possibility that it’s not a long-term staple piece and may need to be replaced sooner than preferred.

Only buy what you need

This may seem obvious but it’s so easy to buy an extra pair of trainers, or a new outfit when you’re at your local shopping mall. Before leaving, you should have in mind the exact type of items you need and shouldn’t deviate from these.

It’s easy for your head to be turned by special offers so don’t be tempted to get items which you know you don’t really need and will probably end up in the back of the wardrobe after one use.

Look at cheaper alternative brands

It can be appealing to buy the biggest fashion brands that the latest stars are wearing on their social accounts or on the red carpet. However, this could cost a small fortune. So instead, why not find a similar style from a much cheaper retailer. You might be surprised by how close some budget-brands are to the more premium designers and you’ll feel like a star at a fraction of the cost.

Sell your old clothes

A great way to get a more lavish spending budget is by selling old clothes that you haven’t worn in ages (and have no plans to do so in the future). Forgotten clothes which are tucked away at the back of draws and cupboards is probably something that we are all guilty of. However, those items of clothing could still have some value. Even if you only get a few pounds for each item, it will all add up to make your latest purchases have less of an effect on your bank balance.

The internet has brought about a fantastic second-hand marketplace for you to list and ultimately sell your items on. Whether it’s to friends and family or even members of the public, there are various websites and apps such as eBay, Shpock and even Facebook. Each vary in their fees and process so it’s worth doing some quick research into each marketplace to find out which is most suitable for you.

Buy second-hand

Just like selling your old clothes to others, you could also grab a bargain by purchasing other people’s items which they have for sale. This can be a cost-effective way of buying clothes for a much smaller cost compared to the retail price. Using the apps mentioned above for not only selling but buying as well, your perfect item might be available for less than you think.

Also give charity shops a try. If you’re persistent, you might just find yourself a bargain that’s too good to refuse. You might also be surprised by the quality of clothing they have available with some items appearing as though they’ve never been worn before.

Amend what you have already

Perhaps in instead of selling your old clothes you could apply some DIY to what you have already. Those long-sleeves tops can easily be amended to stylish new t-shirts.

Likewise, repairing faulty items could work for you as well. If you’re only buying a new jumper because the old one has a hole in it, or you have a button missing on your favourite jeans, you could save a lot of money by repairing these yourself. And if have little or no experience in sewing, you could always follow a YouTube tutorial or ask a friend or family to show you how.

USA Today have some great tips on how you can modify your existing wardrobe instead of buying a whole new one.

Hire for special occasions

When there’s a one-off special occasion such as a wedding or work event, think carefully if you really want to be spending a lot of money on a high-end, luxurious outfit – after all, when will you next plan on wearing it?!

Instead, hiring a suit or dress would usually be a much cheaper option and no one would ever know! You could end up saving hundreds for the exact same dress that you would’ve worn the same number of times anyway. And rather than it going to the back of the wardrobe, you just drop it back off at the shop.

Conclusion

Clothing is a necessity, but you should only ever spend within your means. Using the tips above could significantly reduce your annual spend on clothes.

In emergency situations such as for work or for your family, if you find yourself struggling to fund those vital items that are crucial, then a credit option from a reputable lender such as Mr Lender could be an option for you. Otherwise, for those more luxury items, you should wait and save until you’re in a financial position to afford them or consider a cheaper alternative.

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The Takeaway

1. Merino Wool Clothing

2. Packing Cubes

3. Noise-Canceling Headphones

4. A Portable Charger

5. Portable Wi-Fi

6. An E-Reader

7. First Aid Travel Kit

1st myth: the procedure is very painful

2nd myth: Root canal treatments cause illness and chronic diseases

1. Better Communication Between Psychotherapist and Patient

2. Patient and Psychotherapist Share Information Between Each Other Successfully

3. More Opportunity for Advertising

4. It Makes Everything More Flexible

Final Thought

Women’s Double L Mixed Cable Sweatshirts, Staff

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1. Payroll software is essentially time-saving

2. Payroll software ensures payroll data safety

3. Payroll software is a cost-effective solution

4. Sparing you the administrative overwhelm

5. Payroll software optimizes your whole payroll process

1. Cutting-edge online gambling sites:

2. Banking features:

3. Bonuses and promotions:

4. Wider game selection:

5. Have a look at online betting reviews:

6. Customer support:

Other considerations:

1. Monsanto’s $2 Billion Case for Cancer-Causing Product

2. Transvaginal Mesh Case

3. Takata Defective Airbag Lawsuit

Other Liability Lawsuits that Changed History

Holding Manufacturers Accountable

Origination of Opioid

How to treat Opioid Addiction

Usage of Alcohol and Alcohol Detox

Is detox suitable for teenagers?

Shop out of season

Think more carefully about trends

Only buy what you need

Look at cheaper alternative brands

Sell your old clothes

Buy second-hand

Amend what you have already

Hire for special occasions

Conclusion

1^st myth: the procedure is very painful

2^nd myth: Root canal treatments cause illness and chronic diseases