How to Prevent Home Fires

Have your heating system checked by a heating and cooling company.  If the furnace isn’t working properly it could start a fire in your home.  A blower motor that is not cleaned could overheat and catch fire.  Also consider having your chimney and fireplace checked.

The same principle applies to the lint trap of your dryer.  If flammable lint and dust build up in the lint trap for too long, the heat coming from the dryer could set it on fire.  Remove lint from the lint trap after every use to keep anything from igniting, and it can also save you money as the machine remains at its highest efficiency.

Put out small fires before they get bigger.  Given the right conditions, a fire can double in size every 30 seconds, so a small fire should be put out immediately.  Use a fire extinguisher, such as a 5lb Buckeye ABC fire extinguisher.  It only costs $34.  And remember to store your fire extinguisher near an exit.  The kitchen might seem like the most appropriate place because of the stove being in the kitchen, but if a fire breaks out you’ll need to leave.  Having an extinguisher near a door greatly improves your chances of being able to use it before exiting.

Zone Ten Product Photography Studio

One of the best ways to excel in business today is to maintain a clean, strong online presence.  Websites rely on sharp, high-resolution photographs to show products off to consumers. One of the best ways to accomplish this is to have high-quality photos taken of your product.  Zone Ten Product Photography Studio specializes in product photography.

One of the chief advantages to using this studio is the rapid return time.  Other studios might encounter projects that move slowly and face delays.  Zone Ten features product photography with a 10-day production window.  That ten days begins when a client sends products to Zone Ten Product Photography Studio.  In less than ten business days, items are professionally photographed in high resolution on a white background.  Some products work better standing alone, but others are best in groups, so Zone Ten handles the project accordingly.  Zone Ten Product Photography Studio will even visit clients in the St. Louis area if the subject matter cannot be moved.

The advantages of working with a small studio nearly guarantee that clients are satisfied with their product photography experience.  Zone Ten is a small studio that communicates directly with the product owner to deliver exactly what is needed.  After the photos are taken, customers view and download the prints as JPEGs from the Zone Ten website.  Items are even returned if the product includes a return label.  The product photography of this company is one of the best opportunities for a business to present its product well online.

 

Two Great Home Loans in Missouri

There are two types of home loans in Missouri that offer noticeable benefits. Both are worth pursuing, if you qualify.

The first is a Missouri USDA loan. If you are looking for a mortgage in a rural area, consider a Missouri USDA home loan. With this program, over 1 million homebuyers have bought homes with little or no money down. The other USDA benefits are complete financing, 30 year fixed rates, and low payments. These advantages don’t apply to everyone though. Knowing if you qualify first can be a smart first step.

To qualify, consider your location, income, and credit. Location is dependent on the property being USDA eligible. Income refers to the cap which you must stay under, which is $75,000 per year. It must also be under 115% of the average income in the area. Credit refers to credit score. You must have a score of at least 620 or a strong credit history. Contact a mortgage consultant to learn more.

The second type of loan is for veterans in St. Louis. Qualifying for a Missouri VA loan is often easier than a regular mortgage. Anyone who served in the armed forces should consider the 100% financing and lack of down payment that comes with a St. Louis VA loan.

Benefits vary widely based on how long you served, but three things that are always necessary are having a good credit score, income, and a valid Certificate of Eligibility.

Considering a Missouri USDA loan or a St. Louis VA loan could save you significant amounts of worry, hassle, and money in the long run.

What Are Labor Unions

Unions Explained, the Pros and Cons

There are a lot of misconception surrounding unions. Politicians love to talk about unions, most showing support on the campaign trail. However, politicians rarely do anything with regards to unions. Some politicians are vocally opposed to unions noting the adverse effects a union might have on a business or the economy. Though for many Americans, there’s still a lot of confusion with regards to unions.

For almost a century, unions have been a major part of businesses in the United States.  Greatly benefiting from FDR’s New Deal economic policy, unions grew at extraordinary rates in the 1930s.  Today, labor unions are much different.  With manufacturing jobs having been shifted towards automation and some overseas, the union-heavy labor fields aren’t as big.  Still, millions of Americans belong to a trade union.

First off, it’s important to understand the definition of a union or trade union.  An organization of workers who have come together to achieve common goals such as protecting the integrity of its trade, improving safety standards, achieving higher pay and benefits such as healthcare and retirement, increasing the number of employees an employer assigns to complete the work, and better working conditions.

That definition is pretty straight-forward and basic.  Additionally, there are two types of unions.  They are as follows;

Craft (or Trade) Union

Craft unions are typically independent of a particular organization or employer.  Craft unions consist of workers who specialize in a skill and profession.  Doctors and lawyers are part of craft unions.  Tests and a required skill set may be part of a craft union.

Industrial Union

Industrial unions consist of all workers that are in the same trade or work for the same employer.  They may not be skilled workers.  Often times, in industrial unions, all employees at a certain company are required to join a union.  This ensures that the union can control the supply of labor.

Unions can end up being controversial.  Different sides of the political spectrum have a different understanding of the pros and cons of unions.  If you’re economically conservative, you’ll probably see the cons more than the pros.  Conversely, if you’re economically liberal, the pros are probably more evident than the cons.  Both sides are right to some degree.  Unions have both helped workers and organizations while they’ve also done more harm than good.

Unions; the Pros

The main positive result attributed to unions is higher wages, better working conditions, and trade protection.

One major reason that workers decide to unionize is to avoid low wages and poor benefits.  When workers unionize, they can choose to strike or restrict the availability of labor until their employer meets their demands.  These demands can range from better health benefits or higher wages.

A second reason workers unionize is to campaign for better working conditions.  Better working conditions are not only beneficial to workers but also the employer.  Happy and motivated workers can perform better-reducing inefficiencies.

Unions; the Cons

Unions can end up causing adverse effects not only to businesses but also those in the union.  Large unions are often of the most concern to businesses.  Large unions, typically industrial unions, have an extraordinary amount influence on a business.  When large unions abuse their power, it can lead to higher wages, however, this could mean lower profits for the business.  Though unions will often get workers higher wages, the higher wages have effects on businesses.  These adverse effects could be reflected in layoffs and reduced profitability.

Additionally, some law firms and organizations have noted abuse by unionized workers.  Often times, unionized workers are protected and are very hard to terminate.  Therefore, some unionized workers take advantage of their employer.  Along the same lines, feeling immune from disciplinary action, some unionized workers by complete their job inefficiently.

The main concern with unions is that unionized labor will lead to an increase in costs and therefore, reduced revenue and profitability.

Overall

This post shows only a small portion of the union debate.  Unions are a complex issue. On one hand, they are able to advocate for living wages, better working conditions, and increased benefits.  At the same time, inefficient and reduced revenue can arise from unionized workers. There are many actions that can be taken to try to avoid unions, such as union avoidance training.

The Most Common Types of Lawyers

The 5 Most Common Types of Lawyers

Not all lawyers are the same.  Not only are some lawyers and law firms better than others but not all lawyers can represent a crime or issue.  Estate lawyers can’t represent a client accused of domestic abuse and a criminal defense attorney can’t draft a will.  We’ve compiled a list of the most common types of lawyers and attorneys.

The Most Common Types of Lawyers

The Most Common Types of Lawyers

Personal Injury Lawyer

Personal injury lawyers represent clients who have been injured or involved in accidents.  Personal injury lawyers work to earn clients compensation from individuals or organizations.  Common injuries that personal injury attorneys are called upon to represent clients include car accidents, misdiagnosed illness, or workplace injuries.  Personal injury lawyers take a pre-determined percentage of any compensation won as a result of their representation in court.

Real Estate Lawyers

Real Estate Lawyers

Estate Lawyer

Most families or individuals will hire an estate lawyer.  Estate lawyers organize an individual’s or household’s assets prior to death or critical injury.  College trusts and wills are drafted by estate lawyers.

Divorce Lawyers

Divorce Lawyers

Divorce Lawyers

Each party in a divorce will end up calling upon a divorce lawyer.  Divorce lawyer’s main priority is to get their client the most assets possible.  Occasionally, divorce lawyers not only work towards getting assets but also custody of children.

Criminal Defense Lawyers

Criminal Defense Lawyers

Criminal Defense Lawyers

Criminal defense lawyers or criminal defense attorneys represent those who have been wrongly convicted of a crime.  Crimes include drug-related violations, domestic abuse, murder, assault, and federal crimes. The main goal criminal defense attorneys work toward is a not guilty verdict or the least amount of jail time or fines possible.

Business Lawyers

Business Lawyers

Corporate Lawyers

Corporate lawyers deal with a variety of issues.  These issues can range from mergers to working with unions.  On the business side of things, corporate lawyers work on forming companies, acquiring other companies, and mergers.  On the employee side, corporate lawyers will work with individual employees or unions.