Archive for December, 2017

Getting A Medical Loan For Your Urgent Root Canal Treatment

The dental market in India is undergoing a major growth phase with the presence of over 5000 dental clinics and around 300 dental institutes in the country. According to industry statistics, between 12,000 to 15,000 private dental practices are started each year in India. The overall dental market in India is expected to grow at a healthy 20 to 30%.

According to the Center for Disease control and prevention (CDC), over 47% of Indians above the age of 65 suffer from periodontal (or gum) diseases that cause swelling and bleeding of the teeth gums. Depending on the severity of the ailment, dental procedures like deep cleaning or surgical treatments may be required for the treatment. Despite the severity of dental problems, most patients defer or postpone their visit to their dentist, primarily due to the unpredictable cost factors. This negligence often results in the further escalation of the dental problem over time, and can result in cost escalation of the required dental treatment.

How to Finance your Dental Treatment

Despite the importance of oral hygiene, most dental procedures such as root canal treatment, dental implants, and dental braces are not considered life-critical and are not covered under the regular health insurance plans in India. While dental insurance is common in the U.S., this form of insurance is at a nascent stage in India and offers coverage only for few of the expensive dental treatments.

Depending on the complexity of the dental problem and its treatment, the overall costs of undergoing a dental treatment can vary, with some services causing a financial problem for the patient.

Fortunately, there are other available modes of dental financing in India that can take care of your dental costs. This includes the availability of medical loans in the form of a personal loan from any Indian bank or from a medical loan specialist such as PSTakecare. Alternatively, major players in the financial services sector offer easy personal loans specifically for dental treatment. However, this financing mode can also attract high interest rates, depending on the credit rating and repayment capacity of the borrower.

The use of credit cards for medical financing has grown as an accepted mode of payment in recent years. However, as the Indian dental market is still dominated by private dentists, acceptance of credit cards from the patients is still dictated by the dental specialist.

Why Medical Loans?

Medical loans are gaining acceptance as an alternative method of financing medical emergencies and treatments in India. Despite being consider unsecured, medical loans are offered at competitive interest rates, as compared to those charged on credit cards and personal loans. Medical loans are available from many banks and financial institutions for borrowers to use in a variety of medical treatments including critical diseases such as heart ailments and cancer, along with cosmetic surgeries and dental treatments.

Unlike personal loans and credit cards, medical loans are also available for borrowers with low cash flow and credit rating. Applicants can also decide on the disbursed loan amount and the period of repayment, according to their own convenience. The quick approval and disbursement process of medical loans work to the benefit of the borrower, in need of urgent cash. For more information about the medical loan players in India, visit this link.

Tips To Improve Cash Flow Of Your Business

Cash flow is very important for a business no matter how small or big it is. Every business owners always look for opportunities to squeeze cash from to carry out business operations smoothly. In the business world cash is the diamond. You can hope for great return in the next three months but you need to have sufficient cash flow to cover your business expenses during that period. Here are the simple tips to follow to improve your cash flow.

Cash Flow Forecast

Think and create a chart drawing up a list of the payments that you must make over the next year which includes wages, rent, stock, loan repayment and so on. Then you should list about the money that will come into the business which may include customer payments, interest on savings, shareholder investments and tax returns. Finally it is necessary to take away the expenditures from the income to find the money you will be actually left with.

With this information you can look for more strategies, change plans according to your requirements, make purchases or invest on recruitment, marketing, loans and others. In a nutshell forecasting is actually a very helpful and systematic way to determine the cash flow predicting peaks and downs. It also highlights the cash flow on a monthly or yearly basis.

Payment Policy

With the introduction of payment policy your cash flow can be sped up. Make your payment terms short and ensure that you get paid at the earliest. Make payment method easy for your customers. Keep a number of payment methods and also offer small discounts on early payments. This will encourage customers to clear the payments early. On the other hand charging customers who pay late reminding them of your term is another way to let your customers make aware of the payment rules.

Inventory Management

With regular reviewing and evaluating your inventory will help you gain knowledge of the costs and benefits of your stocks. Unnecessary stocks can make shortage on your cost and lead to lower cash flow. Again if you have little stock then it can ruin your image and breaks customer relationships. Thus make sure you have continuous stock but not exceeding to gain right cash flow and more number of sales.

Get Instant Loan

It might be a big problem for many business owners to secure loan from bank in times of need. Angel investors are also hard to find. Moreover venture capitalists may not get interested of small business opportunities. In such cases payday loans are the only bets solutions for startup owners. It is the easiest way to gain loan in short time with no hassle of procedures.

Overheads Reduction

When you have ongoing payments on vehicles or business equipments you may experience negative cash flow. Always find leasing company vehicles and machinery instead of buying straight away so that you can avoid cash burning. Make sure you are getting the best deals on insurance, technology and other equipments before taking. Cut extra staffs and turn your work zone into an environment-friendly zone to reduce overheads. These changes do wonders over time helping you to save your cash for potential assets such as staff training and more.

Accept Cards

On the basis of the nature of your business you may want to consider accepting credit or debit cards. This way you can easily receive payment of the services or products sold without any procedures to handle cheques or making deposits. No matter how you serve over the counter or online card payments is the easiest way.

Get Accountant

An efficient accountant can help you gain thorough insight of your cash flow after reviewing cash flow projections and results. You might overlook few essential areas which can be highlighted by an accountant. This way you can anticipate and plan for future also.

Use Continuity Sales

Most of the time a company tends to sale more products to the existing customer in order to stabilize the relationship and create a strong customer base. In order to make this tactic cash-flow weapon continuity sale has been very beneficial. This is a way to improve your cash flow by offering deals and discounts to your customers on products and services for a fixed period of time. This includes a subscription such as a newsletter or a magazine. You have to pay the publisher for the subscription upfront for a year and in return you will gain better deal. This tactic can be used for any business. Thus you get a good customer relationship and profits in the long run with cash upfront.

So, decide wisely and make changes that will suit you to earn a stable cash flow. Make cash flow your first priority before you start a business.

5 Ways To Stand Out In A Job Interview

Job hunters can never rest easy. Even at times where there are labor shortages, it can still take more than a few job applications to get you the job you want. It might take even more to land a job you want that offers a salary you’d be happy with.

Of course, there are ways to shorten the process. Building up your network will increase the chances of getting a job call based on a recommendation is one. But even with a good recommendation, you still need to make a good impression during your interview. If you know what your goals are and you want to get the job that will help you achieve them, you have to make sure that you stand out in your interview.

Learn Everything You Can About the Employer

Everybody researches employers before going into an interview. It’s as common interviewing advice as is making sure that your resume doesn’t have any spelling mistakes. But you should make sure that your research turns up useful information. You should know more than where the company is and what they do. You need to know what is important to the company. What is their mission statement? What do they value? Figuring out the answers to these questions can help you figure out how to phrase your answers in a way that helps the interviewer see that you are the best fit for the company. It also shows them that you care about this job.

Have the Answers to the Tough Questions

The interview is a get-to-know-you, but it can also be a test. The interviewer wants to make sure that you have the skills and temperament that they are looking for, so be prepared for them to really make you think and go beyond the superficial answers. The interviewer is going to ask you some hard questions. These types of questions are very useful to interviewers, but they can sometimes be confusing for the people having to answer them. Reading up on them before the interview and learning the principles of answering tough questions will help you avoid making a blunder.

Highlight What Makes You Different

When the interviewer asks you questions, you can give a basic answer, or you can give them an in-depth answer that helps you stick out from the other applicants. Guess which one will get you the job? Use your answers to highlight special projects that you have worked on, volunteer experience that you have, the education you received, and additional skills that you have. If you are applying for a management position and you have a master’s of business administration, this is something important to touch on. An MBA gives you the knowledge of business and leadership skills that give you a huge leg up on your competition.

Ask Good Questions

Besides giving good answers, you should also make sure that you ask good questions. An interview is not a thing where you sit down with the interviewer who asks questions, and all you do is look professional and fire answers at them.

Even if you’re not given a prompt to ask questions, you should still find a way to work them in. You can leave them for the end of the interview since the interviewer will usually ask you if you have any questions. If you find that you have a hard time coming up with good questions, it is okay to plan ahead and write some down. This doesn’t make you look bad; it actually makes you look prepared.

Knock Them off Their Chair for the Finish

You shouldn’t literally knock your interview off their chair at the end of the interview, but you need to finish strong. That’s the last chance to leave a favorable impression, and you’re not about to let it go to waste.

If the interview ends with you asking questions, be sure you ask good ones. If the interview ends with the interviewer’s question, it’ll likely be the “why should we hire you.” And that’s your chance to quickly and efficiently explain how great you are and why you’re so great. Don’t state a couple of traits you think are your defining characteristics. Be brief and be memorable.

You’ll get better at being interviewed with every interview you attend. However, your goal is probably to find a job with as few interviews as possible, and when you know what your goal is, you should take actions to achieve it. For the interview, that means standing out, and the best way to stand out is to be prepared for everything that might happen.

Everything You Need to Know About Commercial Carpet Cleaning

Commercial carpet cleaning is in a class all its own. You’re dealing with higher foot-traffic than a you’d find in a home, and this usually means more dirt and spills and stains and germs.

What’s more, since your commercial space is your professional space, it’s even more important that you keep your flooring looking as pristine as possible. Spilled coffee on the rug doesn’t exactly scream professional, and worn and yellowed spots isn’t going to help land you any big contracts.

A super important and heavy-duty job like this requires a super aggressive and heavy-duty approach to cleaning.

Here’s how to do it.

Vacuum Regularly

This may seem obvious, but a simple once-over with a vacuum can often be overlooked in the bustle of business. Don’t make this mistake. Vacuum high-traffic areas every single day to ensure dirt doesn’t grind into the pile of your carpets, which can cause discoloration and result in premature wear and tear.

Offensive Pick-Up

Place door mats inside of your entrances to pick up loose dirt and reduce the amount tracked through your workplace. Have your mats professionally cleaned weekly, and vacuum them/shake them out as needed.

If you don’t want to take care of your mats by yourself, consider hiring a professional company. This service will come and pick up your mats (usually at least weekly) and give you fresh, clean replacements.

Call in the Pros

You’re not always going to be able to DIY. Commercial carpet cleaning is a huge undertaking, and your professional space will likely require the help of a professional service. These pros will have the equipment, skills and workforce to take on bigger, more intensive cleaning projects, so you know you will get the thorough, deep clean you need to create a professional appearance.

These professionals will know if you need dry cleaning, steam cleaning or specialised cleaning for your carpets. The kind of treatment required will depend on the material of your carpet as well as the nature of your business. For instance, carpets in a restaurant will have more food stains than most other commercial businesses. These carpets will also likely be made of more robust materials than a carpet in a high-end boutique, and will require a different cleaning approach.

Professional carpet cleaners also have products that will be effective and safe for you, your employees and your clients.

For the best service, hire a local professional company. If your company is in Sydney, for example, hire ChemDry Rapid Dry commercial carpet cleaning in Sydney — don’t bother with a service that isn’t in your area. They may come to you, but will likely charge extra.

It isn’t easy to keep your commercial carpet clean, but it’s worth it. Not only will regular cleaning help your workplace look great, but it will ensure your indoor environment is healthy, while also prolonging the life of your flooring.