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In Business

DIY Tools for Your Shop: A Beginner’s Guide

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There’s a common misconception that in order to be a DIYer, you need to have an extensive toolkit. While it’s true that having the right tools can make your life a lot easier, it’s not necessary to buy every tool under the sun. In this article, we’ll discuss some of the essential tools that every DIYer should have in their shop.

Tape Measure

A tape measure is one of the most essential tools in any DIYer’s toolkit. It’s used for everything from measuring the size of a doorframe to checking the distance between two points. When shopping for a tape measure, make sure to get one that’s at least 16 feet long.

Saw Horses

Saw horses are another must-have for any DIYer’s toolkit. They’re used for holding materials in place while you’re working on them, and they come in handy for a variety of tasks such as sawing, sanding, and drilling. When shopping for saw horses, make sure to get a pair that can hold up to 500 pounds.

Circular Saw

A circular saw is a must-have for any DIYer who does metal fabrication. It’s used for cutting metal sheets and other materials, and it can be set to various angles for precision cuts. Make sure to get a saw that has a blade guard for safety.

Wrench Set

A wrench set is another essential tool for any DIYer’s toolkit. It’s used for tightening and loosening bolts and screws, and it comes in handy for a variety of tasks. When shopping for a wrench set, make sure to get a set that includes both metric and imperial sizes.

Pliers Set

Pliers are a type of tool that consists of two metal handles that are connected by a spring-loaded hinge. They’re used for gripping, bending, and twisting objects and they come in a variety of sizes and shapes. When shopping for pliers, make sure to get a set that includes both needle-nose and flat-nose pliers.

Hammer

One of the most important tools in any DIYer’s arsenal is a hammer. It’s used for pounding nails into wood and other materials, and it comes in handy for a variety of tasks. When shopping for a hammer, make sure to get one that has a comfortable grip and a solid head.

Drill

A drill is, without a doubt, one of the most important items in any DIYer’s toolkit. It’s used for drilling holes into wood, metal, and other materials, and it comes in handy for a variety of tasks. When shopping for a drill, make sure to get one that has a variable speed setting and a keyless chuck.

Level

A level is an essential tool for any DIYer who wants to ensure that their projects are level and accurate. It’s used for checking the level of surfaces, and it comes in handy for a variety of tasks. When shopping for a level, make sure to get one that has a clear acrylic vial.

Square

A square is an essential tool for any DIYer who wants to ensure that their projects are square and accurate. It’s used for checking the squareness of surfaces, and it comes in handy for a variety of tasks. When shopping for a square, make sure to get one that has a clear acrylic vial.

Chisel

A chisel is a type of tool that’s used for cutting and shaping wood and other materials. It comes in a variety of sizes and shapes, and it can be used for a variety of tasks. When shopping for a chisel, make sure to get one that’s made from high-quality steel.

Sandpaper

Sandpaper is an essential tool for any DIYer who wants to achieve a smooth and polished finish. It’s used for sanding down surfaces, and it comes in a variety of sizes and grits. When shopping for sandpaper, make sure to get a variety of grits so that you can achieve different levels of smoothness.

Safety Glasses

It’s important for every DIYer to wear safety glasses when working on projects. They protect your eyes from debris and other hazards, and they come in handy for a variety of tasks. When shopping for safety glasses, make sure to get a pair that has a high-quality lens and a comfortable fit.

These are just a few of the essential tools that every DIYer should have in their shop. By having the right tools, you’ll be able to complete tasks with greater precision and efficiency. So before you start your next DIY project, make sure to stock up on the essentials!

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In Business

7 Useful Video Editing Tips for Making Higher Quality Content

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In 2020, consumers watched 12.2 billion minutes of online videos. This statistic highlights the importance of investing in high-quality content for your business.

However, most people don’t have the time or money to invest in a professional video editing suite, so their videos always look like they were made by amateurs.

Not only do poorly edited videos look unprofessional, but they can also hurt your brand’s image.

But don’t worry. Keep reading, as this video editing tips article will show you how to make higher quality videos without spending a fortune on software or hiring a professional editor.

1. Use High-Quality Footage

Poor image quality will quickly ruin a video, no matter how well edited it is. Make sure to use good-quality footage to start with.

You can find high-quality B-roll footage at places like Pexels and Videvo. These will give you a more polished look when you edit videos online.

2. Use a Strong Soundtrack

A good soundtrack can really elevate a video, and help to set the tone and mood. Choose something that fits the feel of your video and that you’re happy with.

Many video editing tools come with stock audio files, so check them out before purchasing royalty-free music.

3. Keep Your Edits Concise

Long, drawn-out edits can be frustrating for viewers and can quickly lose their attention. When inside your video editor, try to keep your edits short and sweet, while still conveying all the necessary information.

4. Use Transitions Sparingly

Transitions can be a great way to add some visual interest to your video, but using too many of them can be distracting and overwhelming. Use them sparingly and only when they genuinely add something to the video.

5. Make Sure Your Audio Is Clear

Bad audio can be just as jarring as poor image quality. Be sure to use good-quality microphones and recordings, and edit out any unwanted noise in post-production.

You can achieve clear audio inexpensively with many great lavaliers (lapel microphones) available for around $50.

6. Add Subtitles or Captions

Subtitles and captions can be a great way to make your video more accessible. They can also help to ensure that viewers don’t miss any important information.

For example, if part of your audience is hard of hearing, subtitles and captions can make sure your message is seen by everyone.

  1. Export in the Highest Quality Possible

When you’re finished editing, be sure to export your video in the highest quality possible. This will ensure that your video looks its best when it’s shared online.

Want More Video Editing Tips Like This?

By following these video editing tips, you can make sure your content is of the highest quality. Creating great videos isn’t easy, but it’s definitely worth the effort.

The importance of video quality may seem insignificant to you at the moment, but rest assured that these tips can increase audience engagement, which will increase your company’s profits.

Want more content marketing advice like this? Check out our blog!

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In Finance

Why Open A Chase Bank Account?

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In case you are searching for a brand-new savings account, Chase is a great option to think about since you might be able to locate a branch close in which you live.In this post we will be discussing why open a Chase Bank Account.

If you want Chase’s comprehensive branch and ATM system in the United States, the Chase Savings account is the right choice – you will help save money and time while still getting convenience.

Nevertheless, you will find a plethora of alternate savings accounts accessible available nowadays. It’s the intention of ours to evaluate the Chase Savings account rates, fees, along with additional features – and also equate it to other savings account options.

Interest Rates

Although having a checking account is handy for saving cash on payments, it’s not likely that you’ll in fact be earning some cash.

A savings account has the benefit of guaranteeing interest and Chase bank provides its clients 2 choices to enhance their contributions and increase the amount of cash in their private Bank account.

You are able to select between a Chase Savings account and a Chase Plus Savings account, based on whether you would like to add another to your portfolio or begin with your very first account.

The minimum deposit needed to launch a Chase Savings and a Chase Plus Savings account is USD twenty five and USD 100, respectively, based on the account. The bank does not provide fixed interest rates on any of its products.

The Advantages and Disadvantages of a Chase Savings Account

Pros

  • Bonuses for new accounts are given out on an irregular basis.
  • It is possible to utilise it for overdraft protection.
  • Access to physical branches
  • Mobile app is available

Cons

  • A cost charged on a monthly basis

When compared to internet savings accounts, the interest rate is significantly lower.

Rates are rather determined by the quantity of cash in the account as well as the type of account. All of the balances in a typical Chase savings account will produce a fairly small annual percentage yield (APY). This’s most likely nothing to be too pumped up about.

However, the good news is Chase gives you another method to boost your wealth. In case you wish to obtain a much better yield, you need to think about opening an account with Chase Plus Savings, as they provide a higher return rate.

If you do not link your Chase Plus Savings account to a qualifying Chase checking account, you’ll be charged an interest rate which is linked to the quantity of money in the account.

You are able to boost your earning potential by linking your Chase Plus Savings account to a Chase Premier Plus Checking account or a Chase Premier Platinum Checking account.

When you’re searching for virtually any kind of bank account, you have to do a little comparison shopping to find out what the various rates are, and to find out what other choices are available.

Even though the rates provided by Chase savings are usually above those provided by some financial institutions, they might not be as attractive as those offered by several online banks.

Having the capability to chat to a banker face-to-face when a problem comes up is essential to a number of individuals that prefer a brick-and-morty bank.

If you are not worried about face-to-face interaction, the return on an online high-yield savings account will most likely be a lot higher.

When compared to other online savings accounts, how does it fare?

In contrast to Chase, online banks are not required to pay the operating costs of maintaining physical locations.

This allows them to provide savings accounts with significantly greater interest rates, as well as account fees that are significantly reduced or eliminated.

Understanding the Monthly Fees for a Chase Savings Account

Once interest is earned on savings accounts, they can grow rapidly and easily. A lot of banks ask for a fee for their services, which is generally a monthly charge. The Chase Bank is simply one of those exceptions.

Monthly upkeep and service costs can rapidly exhaust your account balance. To be able to stay away from these fees, Chase provides its clients a number of choices.

The Chase Savings account includes a USD five monthly service fee, but the bank is going to waive this fee in case you meet a minimum of one of the following criteria each statement cycle:

Ensure that you keep a daily minimum balance of $300 or more

At least one recurrent automatic transfer of $25 from a Chase checking account has been set up for you.

You link your savings to one of the following Chase checking accounts: Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking.

Monthly service costs, like interest rates, vary from financial institution to financial institution.

The Ally bank doesn’t charge a monthly service charge and doesn’t charge a fee for ACH transactions to accounts which are not held by the bank.

When it comes to competitors, American Express National Bank doesn’t charge a monthly service fee for its high-yield savings account, and you might steer clear of the USD 30 monthly service cost charged by Synchrony Bank in case you have a minimum balance of USD thirty in your savings account.

Another Fee to Keep an Eye Out For in Your Savings Account

You’re only permitted to make a particular amount of deposits and withdrawals from your savings account each monthly statement cycle, based on federal law (six withdrawals and transfers).

Transfers and withdrawals made on the spot at an ATM or branch of a bank aren’t subject to this restriction.

Chase Bank is going to charge you USD five every time you make over 6 withdrawals or transfers in a month, and an extra charge of $ ten per transaction. Nevertheless, if the amount in your Chase Plus Savings account is greater than USD 15,000, the bank might be prepared to waive this fee.

How a Chase Savings Account Works and What You Can Expect?

The following are some of the features of every Chase savings account:

  1. Automatic savings program

It requires discipline to pay yourself first even if you understand just how essential saving is.

The great thing is Chase provides an automated savings program which works with every account.

You are able to create recurring automatic transfers from your checking account to your savings account in case you’ve a Chase checking account. You’re accountable for figuring out the transfer schedule and quantity of each transfer.

  1. Overdraft protection

Overdrawing your account may occur as a result of an incorrect calculation or a forgotten transaction.

Overdraft protection from Whenever you link a Chase savings account to a Chase checking account, Chase Bank is going to be accessible. Overdraft protection can stop overdraft penalties from being imposed by transferring money from your savings account to cover the transaction.

It’s absolutely free to sign up for overdraft protection. At this time of writing, Chase charges a charge of USD ten overdraft protection per transfer (fee waived for Chase Premier Platinum accounts).

  1. Online/mobile banking

Online banking is possible, and it simplifies the banking procedure. So long as you’ve Internet access, you are able to deal with your Chase savings account from any place. That is true 7 days per week, 24 hours each day.

Transmit cash, create alerts, and keep track of the activities on your bank account. You are able to also download the bank’s mobile app and make use of it to keep tabs on your account from anyplace, no matter if you do not wish to be at a computer.

  1. Code for a Chase savings account.

If you open an account with Chase Bank and produce a checking or savings account regularly, you are able to get a sign-up bonus.

To obtain the present deal, you have to start a brand-new Chase savings account and deposit a minimum of USD 10,000 into the account within 10 business days, or keep a balance of USD 10,000 for ninety days.

You can go to any Chase savings account site as well as bring the coupon to any of their stores. If you’re not able to make the most of the discount, be on the lookout for upcoming offers.

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In Insurance

Can You Own a Business Without Insurance?

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If you are considering starting your own business, you may be wondering if you can run a business without insurance. Though you may be able to survive on a shoestring budget, you should consider purchasing a small business insurance policy. Not only will it protect your investment, but it will also keep you covered in the event of a disaster. Accidents, mistakes, and even natural disasters can happen, and the peace of mind associated with having the right coverage is worth the small annual premium.

In the event of a disaster, you will not have any means to recover. You will have to spend a lot of money on repairs, and you will be out of business for several months. If you plan to reopen your business, you will not be able to make any profit, and this will eat into your profits. In these circumstances, you need to have the right insurance to cover your costs. You can find a APOLLO Insurance Agency partner with just a few clicks of your mouse.

If you are hiring employees, it is important to have workers compensation insurance. This will cover your employees in the event of an accident. If you have a business, it is essential that you have this type of insurance. The APOLLO Insurance Agency can help you select the right policy for your business. They can help you navigate the many options available to you. You can also contact an independent agent to get a free quote and apply online.

It is not necessary to purchase business insurance. If your landlord requires you to carry this type of coverage, you can choose a cheaper policy that does not require insurance. However, it is a good idea to check with your insurance agent for the best price. The National Federation of Independent Businesses offers helpful information on choosing the right coverage for your small business. There are some advantages to having insurance, but you should remember that it is important to assess your risks before making a decision.

Some states require businesses to carry general liability insurance, while others do not. Depending on your needs, you should determine whether you need additional coverage. You should consider the costs and benefits of each option and compare the coverage to the costs. If you can afford to pay more for insurance, then it is worth it. A small business can save you a lot of money if it chooses the right insurance. The NFIB will help you choose the right insurance.

It is essential for small businesses to maintain insurance, as it helps protect them from unforeseen circumstances. If your business is uninsured, you will be left to deal with the financial consequences of repairing and reopening it. If you plan on reopening the business after an incident, you’ll be losing money, so it is best to obtain insurance. With the right insurance, you can protect your small business from financial disaster and avert the cost of repairs.

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In Finance

What are the benefits of preparing a fundraising model for your start-up?

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Every business starts as a start-up and eventually develops into a full-fledged business if things go well. According to statistics, the maximum number of start-ups are found in the United States and China, and Latin America, India, and South Korea also have many start-ups. Around 61% of all start-ups in the world provide Business to Business services, while the rest of the 39% provides Business to Consumer services.

When a person or a team plans to open a start-up business, the most crucial step is to plan and arrange the required funds. Options such as fundraise modeling help chart out all the financial requirements and business development ratios beforehand, so there is a proper plan for everything. According to investors, investing in a start-up at an initial stage is much safer and more profitable than investing in an established business.

If you have a start-up and want to seek investors, then it is important to prepare solid data and approach them with it so that they have substantial and reliable information to act upon. The following points list all the advantages of preparing a financial model to raise funds:

Understanding of the business

Before starting any business, it is necessary to understand the field, domain, and the concerned market statistics to run your business with knowledge and wisdom. Preparing a financial model will help you do that because you will understand your business and its scope for future growth. Many business owners keep making financial models at certain intervals of a cycle because it helps them assess the growth and profit rate of the business at a glance.

Fund requirements

After proper brainstorming and ideation, it is important to chart out the fund requirements for the business. You will have to mention the expected cash inflows and outflows so that the investors can get an idea and plan the investment according to their will. It will help you measure the cash flow situation after loan repayment.

Risk mitigation

When you make a financial model to raise funds for your start-up, you must also add risk mitigation strategies. Every business comes across many risky situations in its tenure; its growth depends on how the team handles these risks. According to experts, it is better to strategize the risk mitigation strategies before starting the business by studying other businesses and their strategies. It will also help assure the investors that their money won’t get wasted when the first risk appears.

Quick results

If you approach investors without a financial model, they will take time to decide because there is no factual information about the business. But if proper fundraise modeling is done and offered to investors for analysis, they will make quick decisions. Hence, these models are beneficial for getting quick funds for your start-up.

Accurate financial budgets

When you make a financial model forecasting plan for your business, it prepares you for the future. You can use this model as a reference for future financial planning for the business, as it will give you a defined budget structure for future endeavors.

These points list all the benefits of creating a financial model to raise funds for your start-up. Many companies can make such models for you with accurate data and planning to get the best investment possible for your business. So, search online and get your model created.

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