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A small business is legally defined as any organization that employs fewer than 500 employees or falls beneath an industry-specific annual receipts cap. Having 500 employees might seem extremely large for the majority of small businesses, however, since most smaller organizations employ closer to a few dozen employees at most.

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eco-frinedly ideas

You’ve heard that we need to start being more eco-friendly. The environment is in danger, and you know that, you just don’t really know how to help. Well, that’s okay because here are just some of the many ways you can start living a more eco-friendly lifestyle today. Use these ec0-friendly ideas to help.

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How to Track Your Spending

budgeting tips, tracking tips, budgeting your finances

Did the money gremlins sneak into your bank account and drain it again? Surely, the problem cannot be that you spent too much! There must be some other reason….
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Italy is hatching a majorly ambitious plan to create a single smartphone app that allows residents to pay all taxes and bills in one convenient location.

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Update: Senator McCain passed away on Saturday August 25th, 2018.

This article was initially written in 2008, and has been left in its original form. Much of the analysis still stands.

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How do you become a millionaire in 3 years?

Ask Daniel Ally.

In case you haven’t heard of Daniel Ally, he’s a speaker, author and life coach made famous when one of his TED talk’s videos went viral. I found myself on youtube last week watching the thing and wanted to share the video.
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payday loan alternatives, loan options, getting a loan

Ways to Avoid Paying Extremely High Interest

You have an important bill to pay and not enough money to pay for it. A payday loan might be the solution to your problem – if you don’t mind paying very high interest rates. It’s not uncommon for payday loans to have APRs above 100%.
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starter home

Buying a fixer-upper home can be a great way to save money on your starter home. You can also customize your home. This way you can add stylistic touches of your own. However, there is a big difference between a fixer-upper and a total flop. A fixer-upper has the potential to be a great home and save you money. A flop is a money pit that isn’t worth your time or energy. Unfortunately, many new homeowners get roped into buying a fixer-upper. The televisions shows and their real estate agents are awfully convincing. In fact, 64% of people place more value on customer experience than price. When it comes to making a purchase and a good real estate agent can make or break your house-hunting adventure.

So, before you say yes to the first fixer-upper you see, here are a few tips to buying a not-so-move-in-ready home.

Hire a good home inspector

A home inspection can clue you into some of the hidden problems with the house. You or the seller may not be privy to at the time of purchase. Your home inspector will go through a multi-point inspection to ensure things such as the foundation, walls, ceiling, and insulation are all satisfactory. They’ll also look for signs of wear, decay, and mold that might end up costing more than you initially anticipated.

For instance, you might buy a fixer-upper that appears to have a new roof but your inspector tells you that you have extensive mold damage underneath your shingles. Roof damage is common and four out of five houses in the United States are equipped with asphalt shingles. While asphalt shingles can be effective, they have a limited lifespan, usually 20 years or so. That’s why it’s important to find a qualified home inspector who can identify any problems that might turn your potential fixer-upper into a guaranteed flop.

Not sure where to start? Ask your realtor or real estate attorney for help finding a reliable home inspector near you.

Ignore aesthetics

Most millennials have very specific aesthetic requirements when it comes to their living space. Unfortunately, you’ll need to make some sacrifices if you want a starter home you can actually afford.

You’re probably going to walk into a few homes that look like they haven’t been updated since the mid-seventies or were decorated by a color-blind interior designer. It happens. However, it’s important to not get hung up on decor. Things like wallpaper, paint color, carpeting, furnishings, and anything else that can be easily corrected are inconsequential. Remember, you’re buying a fixer-upper not a move-in ready home, so there are going to be some things that you’re not going to like. There are other ugly aspects of a home that shouldn’t dissuade you from making an offer as well, such as bad smells, outdated appliances, odd floor plans, and a poor curb appeal. Peel back that old carpeting to reveal hardwood floors and slap on a fresh coat of paint — good as new.

Check out the plumbing

Plumbing is one of those “out of sight, out of mind” aspects of homeownership but faulty plumbing can be a quick trip to a bad buy. Older houses could still be equipped with outdated or compromised plumbing and features including pipes, toilets, showers, sinks, and more. While the features can be easily replaced and are generally the first things to go during a remodel, gutting the house and replacing the pipes is costly and difficult. During your walkthrough of the home, check for things like stains and streaks that are indicative of water damage. You might have stumbled upon one of the 10% of homes that have water leaks that waste a daily 90 gallons or more, so it’s crucial to look for any signs of water damage.

Fixer-uppers are amazing opportunities to create the house that you want or to bring in some extra capital. Whole home remodels account for 35% of remodeling jobs and a fixer-upper is essentially just one big remodel. So when searching for your starter home, keep these tips in mind to come away with a steal.