Louris Fenny, Author at Ecommbits

In Featured

12 Benefits of Radiant Floor Heating That You May Not Have Known About

July 23, 2022 No Comments

Our homes are our sanctuaries—a place to relax, unwind, and escape the hustle and bustle of everyday life. So, it stands to reason that we want them to be as comfortable as possible. And when it comes to comfort, one of the things that makes the biggest difference is the temperature.

In the summer, we want our homes to be cool and refreshing, while in the winter, we want them to be cozy and warm. To have a perfect balance throughout the year, radiant floor heating is an ideal solution.

Radiant floor heating is a type of radiant heating system that heats floors from below. Radiant floor heating has many benefits that make it a great choice for both homes and businesses.

Here are 12 of those benefits:

Radiant floor heating is energy-efficient.

It is estimated that radiant floor heating can be up to 30% more energy-efficient than other types of heating systems, such as forced-air systems. This is because radiant heat warms objects in a room rather than the air itself.

Radiant floor heating is comfortable.

Radiant floor heating provides a consistent level of warmth throughout a room, which is why it is often referred to as “radiant comfort heating”. This is in contrast to other types of heating systems, which can create hot and cold spots within a room.

Radiant floor heating is quiet.

Since radiant floor heating doesn’t rely on air movement, it doesn’t produce the noise that other heating systems do. This makes it a great choice for bedrooms and other quiet areas of the home. You’ll never have to worry about the radiant floor heating system keeping you up at night.

Radiant floor heating is safe.

Radiant floor heating doesn’t rely on open flames or hot surfaces, which makes it a much safer option than other types of heating systems. This is especially important if you have young children or pets in your home.

Radiant floor heating is healthy.

Radiant floor heating doesn’t circulate dust or other allergens the way that other types of heating systems do. This can help to create a healthier environment for both you and your family. Make sure to choose a radiant floor heating system that is designed for use with central air conditioning to maximize this benefit.

Radiant floor heating is efficient.

Radiant floor heating systems are designed to heat the entire floor of a room, which makes them very efficient. This is in contrast to other types of heating systems, which often only heat a small portion of a room.

Radiant floor heating is easy to install.

Radiant floor heating systems are typically easier to install than other types of heating systems. This is especially true if you choose a radiant floor heating from Park City Utah that doesn’t require the use of ductwork.

Radiant floor heating is versatile.

Radiant floor heating can be used in a variety of settings, including homes, offices, stores, and more. This makes it a great choice for both new construction and retrofit projects.

Radiant floor heating is invisible.

Radiant floor heating systems are hidden from view, which gives them a clean and unobtrusive look. This is in contrast to other types of heating systems, which are often visible and can be an eyesore.

Radiant floor heating is low maintenance.

Radiant floor heating systems don’t require much maintenance, making them very easy to care for. In most cases, the only maintenance that is required is occasionally vacuuming the floor to remove any dust or debris that may have accumulated.

Radiant floor heating is environmentally friendly.

Radiant floor heating systems don’t produce any emissions, which makes them a much more environmentally friendly option than other types of heating systems.

Radiant floor heating adds value to your home.

Radiant floor heating can increase the value of your home, making it a smart investment for any homeowner.

Are you considering radiant floor heating for your home? Contact a radiant floor heating specialist today to learn more about this exciting option.

In Finance

The Brief Guide That Makes Improving Employee Happiness Simple

July 21, 2022 No Comments

A business can meet all its financial targets but struggle to progress with its culture, creativity, and employee morale.

As a small business owner, you might be talented at working in an environment of high stress, anxiety, and disengagement. But you don’t have to fail – you can make a plan to improve the happiness of your employees.

Greater employee happiness can make your culture more creative, fuel your bottom line, and boost productivity. But what are the practices that will improve employee happiness?

Here are the simple answers for yourself or for your managers or human resource representatives to follow.

Why Should Companies Value Employee Happiness?

Employee happiness can lead to positive outcomes for the company. That includes increased productivity, creativity, and innovation. Happy employees are more likely to stay with a company, reducing turnover.

They tend to be healthier. That will reduce health care costs for the company. They can help create a positive company culture. That can help attract and retain customers and clients.

What Makes an Employee Happy?

One way to improve employee happiness is to focus on company culture. Creating a positive and supportive work environment can go a long way in making employees feel happy and valued.

Another way to improve employee happiness is to offer flexible work hours or remote options. This can help employees feel more in control of their schedule.

Finally, offering perks and benefits can also help improve happiness levels. Free food or gym memberships can significantly affect employees’ feelings about their job.

Steps to Improving Employee Happiness

Set the Foundation for Happiness

When improving employee happiness, it’s essential first to set the foundation for happiness. This can be done by providing clear expectations, goals, and development.

Create a Positive Work Environment

Promoting a healthy work-life balance is essential. Encourage employees to take breaks and use their vacation days.

Also, show your employees that you care about their well-being by investing in their development. Offer opportunities for growth and learning.

Create a path for employees to advance in their careers. Find out more on employee training.

Promote Open Communication

Let employees know their voices will be heard, and their suggestions are welcome. Establishing an open and honest communication policy creates trust and mutual respect.

Encourage Employee Involvement

Create opportunities for employees to get involved in the decisions that affect them. Give employees a voice in the company. Let them know that their opinions matter.

Recognize and Reward Employees

When employees feel appreciated, they are more likely to be engaged and productive. There are many ways to recognize and reward employees.

Some simple and effective methods include providing verbal praise, giving small bonuses, and sending handwritten notes.

Improving Employee Happiness Is Not as Difficult as You Think

Improving employee happiness is simple once you know what to do. Following the steps in this guide can create a work environment that employees will love.

You can boost employee morale and improve happiness by strengthening communication, showing appreciation, and creating a positive work/life balance. The result will be a more productive, efficient, and happy workforce.

Check out our blog for more ways to boost employee satisfaction and make your workplace more positive.

In Insurance

Why You Need Renters Insurance

July 15, 2022 No Comments

While the financial burden of replacing your belongings may not be as severe as replacing your home, there are still many reasons to have renters insurance. If the contents of your home are destroyed, your policy can pay for your hotel and food expenses while you are without a place to stay. Renters insurance helps cover the cost of these expenses, up to a limit that you have set. It’s also a good idea to keep an emergency fund for these costs.

A landlord’s insurance company will also offer coverage if you rent a property. Purchasing renter’s insurance from your landlord can be a smart move. Many landlords order tenants to purchase coverage through their policy. If you have a large amount of personal belongings, it can shift the burden of replacement to your landlord. If your landlord doesn’t offer coverage, ask if you can purchase it yourself. A standard renters insurance policy includes liability coverage. This coverage protects you from being sued by a guest. Liability coverage also pays for any legal expenses and court judgments.

Renters insurance is particularly important if you rent a home. While the landlord’s insurance policy may cover your property, it does not cover your personal belongings. It may also protect your other tenants’ belongings, ensuring that they are replaced without difficulty. The cost of replacing your belongings is far greater than the cost of renters insurance. This type of insurance protects your finances as well as your personal belongings.

Before buying renter’s insurance, check what items are in your home. Take the time to calculate the value of your possessions and compare it to the cost of replacing them. Then, calculate your budget and purchase renters insurance accordingly. Most insurance companies offer discounts if you install a security system, smoke detectors, and deadbolt locks in your home. And if you have valuable possessions, buy extra coverage.

Although renters insurance may not cover the contents of your home, it does cover liability and medical costs for others injured in your rental property. For example, if someone accidentally damages your car while traveling, your renters insurance policy may cover the contents of the car or the contents of your luggage. If you have a pet, your insurance policy may also cover the cost of their cage and liability. And what about spoiled food? It may also cover the cost of replacement and medical expenses for your groceries. Another benefit to renter’s insurance is that it does not include a deductible for lost food.

If you rent your home, your landlord or property manager will require that you purchase renters insurance. The requirement will likely be listed in your lease, along with the amount of coverage you need. In California, the minimum requirements for renters insurance are personal liability coverage of $100,000 and medical payments to others of $1,000. These are just a few of the reasons why you need renters insurance. The next time you’re looking for an apartment, remember to buy renters insurance.

In Featured

Top Reasons to Love Your Reloadable Prepaid Card

July 12, 2022 No Comments

Modern people have it easy nowadays, thanks to new breakthroughs in technology. Unlike many years ago, there are many inventions that have made life easy now. For instance, decades prior, most things have to be paid for in cash. Nowadays, cashless transactions have become the norm.

It has also become increasingly common for most consumers to use credit, debit, and reloadable prepaid cards for their purchase transactions and even ATM withdrawals. Without a doubt, financial innovations like the credit, debit, and reloadable prepaid cards are not considered a staple in the daily transactions of modern consumers.

The Phenomenal Reloadable Prepaid Cards

While reloadable prepaid cards are considered the newest addition to the plastic card family, they have become vastly popular in just a short period of time. Suffice it to say, they have earned a soft spot in the hearts and wallets of many of today’s consumers. All these primarily because of the peerless benefits they offer.

The meteoric rise in the popularity of reloadable prepaid cards is not really surprising if we take into consideration the amazing perks they offer as well as the exciting features they come with. If you are like most people, it is likely that you already have a reloadable prepaid card or you are considering getting one.

If you are not aware of all the benefits this amazing financial tool offers, you have come to the right place. Below, we will enumerate the many reasons why people love their reloadable prepaid cards.

No background and credit checks required

Background and credit checks are considered an important part of both credit and debit card applications. However, there is no denying that they can be tedious, time-consuming, and just downright annoying. Those who would want to open a checking or savings account will also go through the same hassles.

Aside from background and credit checks, some issuers of debit and credit cards will also check the applicant’s employment history and other personal information before approving their applications. When issuers discover that you have made grave financial mistakes in the past like issuing bouncing checks, your application will be declined.

The good news? You won’t go through any troubles when you get a reloadable prepaid card. Issuers won’t be looking into your financial and personal background. You also won’t be asked to provide any personal or confidential information just to get approved. Everything is just easy, quick, and convenient.

You can use the card to manage overspending

When you use a credit card for ATM withdrawals or purchase transactions, you will be borrowing money from the issuer with the intention of paying it at an agreed date (with interest). This means, the issuer pays for the purchase on your behalf for the time being. While this is convenient, it can also be very impractical.

This is especially true if you want to manage your money better and curb overspending. Since the amount of the transactions are not deducted directly from your checking or savings balance, you can be enticed to spend more than you can afford. With a reloadable prepaid card, your transactions are limited by the balance on the card.

You can use it for online transactions

Undeniably, online shopping offers convenience that’s hard to ignore. Come to think of it, you won’t have to get dressed, brave the traffic, and deal with other people. Since you can use your card for online transactions, you won’t have to leave the comforts of your home just to purchase what you want.

You just visit the website where you want to purchase something from, choose the item(s) you want to buy, key in your reloadable prepaid card number, and you’re good to go. Everything is done in just a few minutes with just a few clicks of your mouse. Now, that’s convenience and ease you can’t afford to miss.

In Finance

Making the Most Out of Your Individual Retirement Account (IRA)

July 9, 2022 No Comments

Experts always tell us to plan for our retirement early on. This is since the earlier we start saving up, the more time our money has to grow. And what better way to do this than to invest in an individual retirement account or IRA?

An IRA is a retirement savings plan that offers tax advantages. This simply means that you can get tax-deferred or even tax-free growth, depending on the type of IRA you choose. By investing in an IRA, you can reduce your current taxable income while enjoying the potential of compound returns on your investment.

According to statistics, up to 60 million taxpayers have IRA accounts in the U.S. But how does one make the most out of an IRA? Is there a secret to it? Here are some tips:

Choose the Right IRA

There are two types of IRAs–the traditional IRA and the Roth IRA. The traditional IRA allows you to make pretax contributions. This means that your contribution will not be taxed when you make it but will be taxed when you withdraw it during retirement.

The Roth IRA, on the other hand, allows you to make after-tax contributions. Your contribution will be taxed upfront, but withdrawals during retirement are tax-free.

The right IRA for you will depend on your retirement goals and tax bracket. It is best to consult with a financial advisor to see which IRA suits you best.

Maximize Your Contributions

Before, you could contribute up to $5,500 per year to your IRA. If you’re 50 years old and above, you can make it up to $6,500. But according to the Internal Revenue Service (IRS), the limit on contributions to an IRA for 2021 is $6,000 ($7,000 if you are 50 and older.

Your contributions will depend on your income and whether you have a retirement plan at work. If you do have a retirement plan, the IRS has a contribution limit for those eligible to participate. This ensures that your contributions will not go beyond what is necessary for your retirement.

But if you don’t have a retirement plan at work, you can contribute the entire amount to your IRA. You can also make catch-up contributions if you’re 50 years old and above. You can make additional contributions to your IRA to help you save more for retirement.

Diversify Your Investments

When it comes to investing, diversification is key. This means that you should not put all your eggs in one basket. Instead, it would be best to spread your investments to minimize risk.

When you diversify your IRA, you can invest in a mix of stocks, bonds, and cash equivalents. This way, you can balance each investment’s risks and potential rewards. You can also consider investing in mutual funds and exchange-traded funds (ETFs) to diversify your portfolio.

By diversifying your IRA, you can protect your investments from market volatility. This way, you can ensure that your retirement savings will last through your golden years.

Allow the Experts To Manage Your Portfolio

If you’re not confident about managing your own investments, you can always seek professional help. There are plenty of financial advisors and asset managers who can help you grow your IRA and ensure you can achieve your investment objectives. This is especially true if you use your IRA savings as part of your loved one’s inheritance.

Hiring experts that offer services like portfolio management will enable you to have a well-diversified portfolio tailored to your retirement goals. These professionals can also guide you on how to make the most out of your IRA and minimize the taxes you have to pay on it. They can also ensure that in case of your untimely passing, your beneficiaries will receive the IRA assets without hassle.

Monitor Your Investments

Once you have invested in an IRA, it is essential to monitor your investments regularly. This way, you can be sure that your money is working hard for you.

You should check your account at least once a year to ensure that your investments are on track. You should also rebalance your portfolio every few years to ensure that your asset allocation is still in line with your goals.

If your investments are not performing well, you can make changes to your portfolio. You can sell off some of your investments and use the proceeds to buy other assets. By monitoring your IRA, you can be certain that your retirement savings are growing.

An IRA is a great way to save for retirement. By contributing to an IRA, you can enjoy tax advantages and compound returns on your investment. To make the most of your IRA, you should diversify your investments and monitor your account regularly. You can also seek professional help to manage your IRA and achieve your retirement goals.

Meta title: How You Can Make the Most Out of Your IRA Savings
meta desc: An IRA can help you save for retirement and get some tax breaks. Here’s how you can take advantage of all an IRA offers.

Louris Fenny