Computer Repair Services - Tips to Select Good Computer Support Online

Online computer repair services have become a fast and reliable problem solution for day to day technical trouble shoot needs. But with so much of service providers available to the corner it is always wise full of evaluate them prior to approaching them for your needs. Here is a list of some of the tips that one should consider.

In today's world, most of us try to look at online services, when we need to search for anything. Whether it is about searching business data or information to use in daily lives, Internet has emerged as the most reliable as well as a convenient source of search.

If you have ever purchased or owned a desktop or laptop, you will come across a problem at some point. Where do you think you can go to avail solutions for all your technical problems? Well! Internet can help. There is a plethora of online computer repair support resources available to help you with your technical complexities. However, what you should always do is contact some form of remote computer services.

Choose the online computer repair service resource who you think is professional, quick and helpful. The last thing you want to be to get in touch with some form of support to see if it is actually good fix computer problems or not. You require online computer repair services, which hold proficiency and real knowledge about their subject matter. As such, online computer repair resources hire hire qualified and certified techs. It is one place where you can have both quality and cost effectiveness hand in hand.

Most remote computer service companies offer services to both home users and to business users, and customize services to cater what you need according to your preferences. Here is the example of some services that you can expect from different computer support companies.

If you are having a slow running PC, or if you want to improve PC performance, you need to have a best online computer repair service to fix problems. Your PC can have a lot of viruses if you are regular Internet users and use the Web without having any protection on your system. You may not even know that you have any threats on your computer until it is too late. Whether a business or a personal computer gets stuck down with any of these, the effects can be catastrophic. Good computer support resource will offer you antivirus installation or spy ware removal to help you get rid of mal ware.

Finally, there are some well established and experienced online computer repairs services are offering services to fix computer problems and fix my laptop services to their clients. For more information and details, please do not hesitate to visit their web site.

Android Mobile Application Development - The Essence of Any Business

Android is the open source operating system by Google. Since 2008, it has become the most preferred alternative to conventional operating systems especially when it comes to mobile devices. This is why android mobile application development has become essential to any business that would like to get noticed, reach out to more customers, and provide the highest-quality customer service. There are many benefits to developing an app for Android devices, most notably flexibility. App porting is hassle-free, and app developers can easily control the system resources.

When you have an Android mobile app for your business, you can make it available in the Google Play Store where consumers download the majority of their applications. Play Store has more than 1.3 million applications (and counting) to date. This shows the popularity of Android apps with millions of users around the world. A reputable Android application development company with years of experience in developing mobile apps for this operating system should be able to help you get started in creating a custom and cutting-edge mobile app that can help boost your ROI and improve your customer service.

Android mobile application development is cost-effective, and this makes it ideal for small and medium-sized businesses that may not have the resources to invest in apps for another OS. Being open source is the reason why Android mobile app development requires a lower investment. This means developers can use the software development kit freely and develop apps based on Java, resulting in a development method that is easier to master and conduct. Likewise, developers can easily make the application more intimate at a more reasonable cost.

App development for Android tends to have faster turnaround, too, since the stages typically involve only three steps: (1) application development, (2) testing, and (3) deployment to Google Play. Seasoned developers follow a streamlined approach for developing Android mobile applications, too, and they offer further maintenance and support for your apps, so you do not have to worry about managing periodic updates and addressing bugs and vulnerabilities by yourself.

Android mobile application development can be practical for a business that is implementing a BYOD policy. With Android, a company will find it more feasible to adopt a BYOD policy, since many Android devices are reasonably priced, and the cost for application development can be lower. Developers can create an app that have diverse functions for business, while making sure that it is secure.

Insurers Use a Variety of Key Tools When Assessing the Financial Stability of a Potential Account

For many small and medium sized businesses, most insurance underwriters will be able to determine the quality of risk by looking at a few key factors such as loss history, location, years in business, revenues, qualifications of management and accounting information if warranted. Yet for much larger and complex risks with revenues in the 10's of millions, ratio analysis has become mandatory. There are many types of ratios that can be derived from the accounting records. We will look at a few key ratios that assist insurers in identifying the following key objectives.

• The overall financial strength of the company
• The ability to pay premiums
• Growth and future shortcomings

I will examine 4 of the more common types of ratios used by underwriters and actuaries.

Total Assets Turnover Ratio

Leverage Ratio

Liquidity Ratio

Profitability Ratio

Total Assets Ratio- numbers from both the balance sheet and the income statement are needed to determine this ratio. The total assets turnover ratio helps determine the financial strength of the company and its ability to use assets to generate sales. It is often used in back to back year comparisons

Total assets turnover ratio = ____Sales______

Average total assets

Ex: MYcompany = 1,500,000 / ($ 960,000 + $ 1,000,000)

= 1.3

A ratio amount of less than 3 is a good indicator that there may be an issue with one or more of the asset categories such as fixed assets, inventory or account receivables. The insurer would most likely look into this further to seek out if there could be a problem with inventory or if the firm's collection period is too long.

Leverage Ratio - this ratio looks at the company's ability to meet its financial obligations. The larger the debt may be, the greater the chance that the company will be unable to meet their debt payments.

The most commonly used Leverage ratio is total debt to total assets and can be calculated as follows

Total debt to total assets ratio = ___Total debt___

Total assets

EX: Mycompany = $ 650,000 / $ 1,400,000

= .46

For each dollar of the company's assets, creditors are financing 46 cents. This is very close to 50% or 50 cents and should be monitored closely with calculations done on previous years to see how the company is trending.

Liquidity Ratio - this really quick ratio allows one to determine the company's ability to pay short term debts. A low ratio will indicate the company may be struggling and unable to meet expenses as they come due. A ratio amount of less than 2 is usually an indication of poor performance.

The most common liquidity ratio is the Current ratio calculation

Current ratio = __Current assets___

Current liabilities

EX: Mycompany = $ 130.00 / $ 48,000

= $ 2.7

Mycompany has $ 2.7 of Current Assets to meet $ 1.00 of its Current Liability. This is a good ratio.

Profitability Ratio - this ratio measures the overall performance of a company. The Net profit margin is the most easy and commonly used ratio. It quickly indicates how much of each dollar shows up as net income after all expenses have been paid. For example, if the net profit margin is 5% that means that 5 cents of every dollar is profit. A ratio amount of 5% or greater is a good indication.

Net Profit Margin = Net Income

Net Sales

EX: Mycompany = $ 45,000 / $ 560,000

= $ .084 or 8.4%

Thus Mycompany realized an 8.4% net profit after taxes.

Once a few or all of the above scenarios are run by the insurer, they can then determine if the risk presented fits their guidelines guidelines and what premiums and coverage's will be applied. If the risk is unfavorable, the insurer will most likely decline the risk and keep a record on file indicating this risk was presented and declined usually for a 3-5 year period. In addition to insurance companies, many banks have also run these formulas to help determine the efficiency of operations and credit worthiness of loan applications. These simple and quick calculations can provide instant information about a company's performance and can trigger alarming numbers that may need to be reviewed more closely. Small and medium sized business owners can do these calculations on their own or seek out an accountant to see how their business is trending before the year end income statement and balance sheet are produced.

It must be pointed out that different industries have different ratio benchmarks. Many insurance companies have gathered this information from many years of data from a number of different industries. An excellent place to obtain key business ratios is Dun and Bradsweet. Feel free to drop me a line if you have any questions or looking for other key ratio indicators.

How to Speed ​​Up Your Computer With Windows Vista

Windows Vista has always been an operating system that people have complained about being a bit slow. It does take up quite a few resources which can cause it to lag a bit. There are plenty of things that you can do that will help you speed up your Vista system.

First of all, be sure to update your operating system. You need to get these updates not only for security but to fix bugs that there might be.

Turn off all the visual effects that you really do not need. There are many effects in Vista that you simply do not need that are taking up your computer's resources. Turn these off for more speed.

Get rid of any bloatware that exists on the system. Many times there will be free offers and other applications trying to get you to upgrade to a certain service. These many times cause problems in terms of reducing speed.

Defragment your hard drive from time to time. This will make tasks that use your hard drive much quicker since things will be organized better on your system.

Make sure that everything is not starting when you boot up your machine. Turn off any application that opens automatically when you start your computer for best results.

You may consider disabling the User Access Control. This is made to help you protect your system from installing malicious software. If you know what you are doing, turn this off to speed up the system.

Be sure that you have plenty of disk space on your machine. At times filling up your hard drive with Vista causes your system to be slower.

Add more ram to your system to get better results with Vista since it's RAM intensive.

Deal with any heat your computer has. Heat slows down systems and will cause your hardware to fail much faster.

Secrets of Bonding 163: Financial Statement Fraud

You know the old adage, "Financial statements do not kill people, people kill people."

While it's true there can be misrepresentation and deception in a financial statement (FS), the document is not inherently bad, it is the poor intentions of the preparation or company that is to blame.

As credit analysts, we always review and rely on FSs whenwriting surety bonds. We know there may be attempts to mislead our judgment or even downright deception. But the need to evaluate the financial report is unavoidable. It is considered a valuable "report card on the quality of management."

There are three levels of financial presentation by Certified Public Accounts (CPAs):

1. Compilation - a properly organized report where the numbers have not been verified or evaluated by the CPA
2. Review - includes some checking "Review" of key elements
3. Audit - is the highest level and includes the CPAs statement that they have checked and believe the numbers are correct

The reader of the FS is entitled to certain expectations: A candid and complete presentation that informs the reader. Are they entitled to more than that? Does the reader sometimes expect too much?

Let's consider what the FS actually says, and what it does not ...

The Balance Sheet

This shows assets and liabilities. It describes the dollars in the company (assets) and who owns them (liabilities and stockholder's equity). You know many of the normal entries: Cash, accounts receivable, accounts payable, inventory, bank debt, the net worth / stockholder's equity section, etc.

The balance sheet always has a date, such as 12/31/2017. It shows the status of these accounts on the one day. Credit analyysts calculate the Working Capital aka Net Quick (NQ) which is considered a measure of short term financial strength. You find the NQ by subtracting current liabilities from current assets. When the bond underwriter has the NQ number, it can then be incorporated in the decision making.

What size bonds will be approved for this applicable? How much total capacity can they be allocated? The NQ figure becomes a benchmark that is used for the reminder of the year.

For many analysts, this one number has a huge effect for the following 12-15 months.

Let's move forward in time one day, to 1/1/2018. "Happy New Year!" and let's check the bank account. Some money has come in! The accounts receivable and cash have changed. Other changes have also occurred and so, if we calculate the NQ based on the 1/1 balance sheet, the NQ will probably be different from 12/31. Again, that's because the balance sheet shows the state of these accounts on ONE DAY. It is always changing!

The reality is that the working capital number is only correct for one day, then it is subject to change. This is not to say the number is not important or relevant. And certainly decision-makers must have benchmarks and a method for their determinations. It is very important, but so are other elements.

Financial Statement Fraud

The most common FS fraud is not committed against us by others. It is the self-deception we commit by over relying on these "one-day numbers." To do so is to miss the big picture!

Underwriters love to see a big cash account sitting on that top line (of the balance sheet). But that's a one-day number. Is not it even more important to determine the average funds on deposit for the prior six months or year? Many analysts fail to ask for this info.

Accounts Receivable and Payable - here is another key area where the "one-day number" can easily be given a historical perspective. Aged schedules of A / R and A / P are easy to obtain and they give a perspective over more time than one day. These documents are not automatically included in FSS, and underwriters may fail to ask for them.

Conclusion

As readers of these documents and analysts, let's not cheat ourselves by over relying on the balance sheet or thinking it is more than a one-day snapshot. It should be scrutinized and viewed in harmony with other key underwriting factors such as mid-year financial reports and supporting documents.

In this manner underwriters can make realistic, well-informed decisions.

Why Open a Laundromat? Ten Reasons to Start a Coin Laundry

Every industry has its good points and bad points. As you assess some of the business opportunities that are available it is up to you to weigh up the pros and cons. Your aim should be to find a business model that is a perfect match for you, your skill set and the kind of lifestyle that you want to lead. Let's look at some of the great reasons why you should consider starting a coin operated laundromat business.

Good Fundamentals

The fundamentals that are driving the growth of the laundromat business are all positive. More people are renting these days and they tend to stay in one location for shorter time periods. The people that fit this demographic usually make for great regular customers. With double income families, more travel and less time, people are also looking for laundromats that offer full service. There are many sectors to this market and they all look bright over the coming decade.

Broad Customer Base

The customer base for a typical laundromat can be much wider than you would first expect. While only a small percentage of the population could be classed as regulars at a laundromat there are many occasions where everyday people from middle class and even wealthy households use laundromats. Some families do not have a dryer and then will use a laundromat when the weather is rainy. Others will use a coin laundry to wash large items that will not fit inside their washing machine at home.

Increasingly, consumers are looking to 'full service' laundromats as they simply do not have time to take care of all their washing, folding, mending and ironing themselves. 'Wash and fold' services where customers simply drop off their laundry and pick it up later are becoming more common. Laundromats with attendants are well positioned to take advantage of this opportunity and profit margins are great.

Earnings Potential

The great thing about the laundromat business is that the earnings potential is excellent for a business that does not have to involve a lot of the owners time. Income potential will depend on many factors. A small well-run laundromat could earn you an extra $ 10,000 a year while a larger operation could easily provide you with a six figure income. It depends how much effort you are willing to put into it. There are also many tax advantages that go with having your own business.

Go Big or Small

The great thing about the laundromat business is that you can be involved on a scale that suits you. It is possible to own one or two laundromats without giving up the security of your job. And it is possible to go full-time into the coin laundry business, run multiple laundromats and make a six figure income in this industry alone. You can do the work associated with running your laundromat yourself or you can hire people to do it for you.

Recession Resistant

While not being completely immune to economic downturns, the laundromat business is one of the most recession proof business models around. People have to wash and dry their clothes no matter what the economy is like. It is estimated that around seven million households in the US use laundromats on a regular basis and many others use them occasionally when they are away from home.

Collect Cash Up Front

One great thing about the laundromat business is that customers always pay before they use your service. Unlike other kinds of service business you will never have to chase your customers around if they have an invoice outstanding. Some laundromats are starting to offer their customers the option to use systems that take credit cards although machines that take quarters will not be disappearing for a long time yet.

Low Failure Rate

Statistics from the Coin Laundry Association indicate that coin operated laundries have a much higher success rate compared to new businesses in other industries. If you research and plan well then there is generally less risk associated with a laundromat compared with other retail or service business models.

Barriers to Entry

The main barrier to entry in the coin laundry business are the startup costs. These can be considerable and will likely run into six figures and possibly even get close to seven depending on how big you want to go. It is possible for everyday people to get in spite if they start small and learn how to secure the right kind of financing. Apart from this, anyone can get started in the laundromat business without any kind of degree or formal training.

Lifestyle and Freedom

Many people these days are looking to get away from the constraints of a nine to five job working for somebody else. A coin laundry business can give you the opportunity to be free to live the lifestyle that you want.

The laundromat business may not be as easy as some may imagine. You can not just sit back and expect to earn an absolutely passive income from a bunch of machines that are working for you around the clock. However, with a little experience and the right systems in place, this business can be fairly 'hands off' compared to other business models. Once you have your coin laundry running smoothly it can really free up your time to do the things that you want to do. Spend more time with your family or focus on growing your business even more.

Prove That You Can

Lastly, another great reason to start a coin laundry business is to simply prove to yourself that you can do it. Being a successful entrepreneur takes a lot of hard work and a winning mindset. Imagine the satisfaction of building a business into a stable, reliable income earner for yourself and your family.

What Does a Lis Pendens Mean in the Foreclosure Legal Process?

One of the legal terms that homeowners in foreclosure often come across is lis pendens . They may initially find out about the term when trying to refinance their house and the mortgage broker turns them down because of this type of document filed against the property. If a lis pendens has been filed, it will show up with the county recorder as a document affecting the title.

A lis pendens does not stop or prevent foreclosure at all, as it is strictly a document serving notice upon any other party that is researching the particular property affected by the document. In most cases of a homeowner behind on the mortgage payments, the lender's attorneys will file the initial foreclosure lawsuit with the court and a lis pendens will be sent to the county clerk or recorder's office to indicate that a particular property is in the process of a pending litigation.

The term lis pendens is Latin for "lawsuit pending," and the lawsuit that it is referring to is the legal process of foreclosure. If the lender was not suing for the property to be sold for payment of the defaulted mortgage loan, this document would never be filed in the first place, as no lawsuit would be pending.

In fact, a lis pendens specifically indicates that the property is facing foreclosure, and the document will show anyone, such as a title company or prospective foreclosure refinance lender, researching the real estate that that is involved in a lawsuit. So the lis pendens is mean to signify the foreclosure; it does nothing to prevent the foreclosure, but it does not itself affect the homeowners' ability to save their home.

The most commonly used legal mechanism that would stop foreclosure is filing bankruptcy with the court, and even this only puts the process on hold while the creditor and debtor are coming to an agreement to negotiate a settlement of the debt.

Homeowners may also wish to consider getting rid of the lis pendens affecting their home by mounting a defense against the lawsuit that has led to the foreclosure process. This is a direct defense of the litigation, though, not an extra legal process like bankruptcy that may be used to put the suit on hold.

If a lis pendens is filed with the county recorder against a piece of property, this indicates that the house is already in some stage of the foreclosure process. The homeowners are no longer in the preforeclosure stage, or purely behind in payments. At this point, foreclosure can not be preverted, as it is already being pursued by the lender and its attorneys - it must be stopped, and homeowners need to begin putting together a realistic plan and researching various ways to stop foreclosure, such as a mortgage modification, repayment plan, selling the house, or a foreclosure bailout loan.