The
problem of unclaimed money is beginning to come under the spotlight. Every day,
thousands and thousands of Americans are discovering that they are owed
unclaimed money. However, merely finding the money is not sufficient. The money
has to be claimed. The formalities have to be completed correctly in the first
try itself. Otherwise, unnecessary delays will plague the process of claiming
the money.

Once your
search for unclaimed money is
completed, you now have to claim the money. The procedure to claim the money is
not very difficult or complicated. However, it must be initiated without delay
and completed as early as possible. Delay in claiming the money can cause you
to lose the money. The procedure of claiming the money may vary from state to
state. However, certain aspects remain common.

The
process is initiated by submitting the claim form. Each state or federal agency
has a form in which the individual has to make the claim for the lost money. Good databases will provide your claim forms
and information. The form must be filled properly and completely before
being submitted.

The check
repaying the unclaimed money cannot be sent unless the agencies are satisfied
that you are whom you are claiming to be. You will have to submit proof of
identification like the Driver’s License, Identification Card, birth
certificate or social security card to prove your identity. The copies must be
legible.

Whenever
you are claiming unclaimed money, it
is important to think like the person who is reviewing the claim. It is natural
for that person to wonder- how do I know that you are the person who is owed
money? How can I be sure that you are not just a person who has the same name
as the person who is originally owed money? To answer these queries, you have
to submit all forms and documents that remove all doubt.

If you
are claiming money that you have inherited, then it is sufficient to simply
submit proof of identification. You will have to show that you are the
executor, heir or power of attorney of the deceased. This will ensure that the
claim process is not a long drawn one.

Do not
make the mistake of submitting all originals without duplicating them. Keep
copies of all forms and documents that you submit. This will ensure that you
can resubmit the documents in case of any mishaps. Further, it will be useful
for reference at a later stage. Whatever you do, do not submit originals
without keeping a copy in your hand.

Always
remember that money belonging to you is in the hands of others. Do not sit back
after filing your claim. Make sure you follow up on your claim. Claims may take
two to sixteen weeks to be processed. The duration depends on the agency processing
the claim. If updates are offered on phone or over the web, make use of them.

When choosing the right countertop kitchen renovation, there are a variety of factors to keep in mind. The countertop kitchen renovation is a visual focal point of every kitchen. Each countertop material also comes with its own maintenance requirements, budgetary impacts and thickness options. So remember that should all be considered before making a final selection. In this article, we will take a brief overview of some countertop kitchen renovation selections and the important factors related to each.

Granite countertops are natural stone, very durable and boast a high scratch, chip, and heat resistance rating. In fact, these natural stone surfaces are so scratch resistant that you can even cut on them with a knife.

In addition to these functional benefits, granite countertops look great as they have a sleek and smooth surface that is also unique for each installation since the countertops come cut from natural stone. Granite boosts the resale value of your house as it can visually renew even the most outdated kitchen.

While granite boasts excellent stain and scratch resistance, there are some drawbacks to keep in mind. Granite is one of the most expensive countertop selections and is also a porous material, so it must be initially coated with a sealant in order to protect the surface and then re-coated every six months to two years (depending on manufacturer recommendations) to maintain the seal.countertops.

The good news is that once sealed, granite countertops will keep most liquids from staining or being absorbed, and require only cleaning with a mild detergent and warm water. With that being said, take care not to leave spilled wine on your granite countertops as they still can stain if not properly sealed. Also, avoid vinegar-based and acidic cleaners on granite as they can damage the sealant. It is best to think of granite as resistant to stains, not impermeable.

Quartz slabs are man-made and engineered from a combination of ground quartz, binding resin and color pigmentation. Quartz is very durable and thanks to the pigmentation, is available in a wide variety of colors and patterns during manufacturing. In addition, quartz requires no sealant as the binding resin that is used in the manufacturing process makes the surface non-porous.

In terms of thickness, quartz is similar to granite as the most popular choice for the kitchen.

Even harder than both granite and quartz, quartzite is another beautiful natural stone countertop option.

Quartzite is a natural stone that often features beautiful patterns and color options not found in granite due to the presence of natural minerals, iron oxide and impurities found in the stone. These give each quartzite countertop a one of a kind natural look and pattern that can really make a kitchen come to life. This beauty comes at a cost, however, as quartzite is an even more expensive kitchen countertop selection than granite.

Just like granite, quartzite requires sealing prior to use in order to protect the surface from staining and additional sealing on an annual basis to preserve the sealant. Also like granite, abrasive or acidic cleaners should be avoided in favor of a simple solution of mild soap and warm water.

Both are very durable, however, quartzite is natural stone and more expensive and has the visual appeal of a natural stone whereas quartz is man-made and has the advantage of a wider selection of colors and patterns as it is manufactured.

While quartz requires no annual sealant due to the resin, it is more vulnerable to heat damage as this resin is plastic-based and can melt in high heat, so never leave a hot pan on your quartz kitchen countertop without protection underneath.

Your kitchen is one of the focal points in your home. We all know that it deserves a lot of attention and expertise for it to look its best! Instead of trying to complete your countertop kitchen renovation as a disorganized DIY project, choose Unica Concept. We’re here to help you with our quality craftsmanship and superior results at extremely competitive prices. Call us today at (844) 746–2226!

It’s a widely known fact that house owners invest more money into kitchen renovations than on any other home related venture. This is hardly surprising, considering that the kitchen is the heart and soul of your home and a source of great happiness.

While kitchen renovations can be pricey, a well-planned, designed and constructed new kitchen area can add enormous value to your home; both while you’re an occupant and if you do eventually decide to sell. According to research, most kitchen renovations add around two thirds of their original price to the home’s overall value.

The following is a list of 7 invaluable ideas for those looking to renovate their kitchen.

1) Planning is everything

The planning phase of your new kitchen renovation will typically demand more time than it takes to build it. By planning wisely, you’ll greatly reduce the hassle and disruption attributed to the construction period. Along with this, you’ll also reduce the likelihood of exceeding your initial cost estimates. Which brings us to the question, how long do you need to dedicate to planning? If statistics are anything to go by, then you should look to devote at least several months.

Excellent planning will help prevent you from making any modifications to your design while the kitchen is being built. When this happens, building expenses rapidly escalate and this will affect your “approximately two thirds ROI” that was mentioned earlier.

2) Don’t go overboard with new kitchen devices

Kitchen appliances are central to creating a fabulous and functional kitchen space, but they also occupy the lion’s share of your kitchen’s expenses as well, so it’s essential that all items are thoroughly researched before you commit to buying them. In addition to budget, careful consideration must be given to the style of the appliance. While it may look magnificent in the store or brochure and be and outstanding device in its own right, will it complement the overall theme of your new kitchen design, or will it look out of place?

3) Try to retain the same basic dimensions of the existing kitchen space

If you are working on a limited budget, it’s very important that the layout of all existing utilities (power points and plumbing) remain in their current place. Making the decision to demolish pre-existing walls can create numerous problems, greatly add to the overall construction time and lead to inflated costs.

4) Understand the importance of lighting

Proper lighting is integral to creating a kitchen that looks remarkable and is an absolute joy to work in. The right style of lighting can help make kitchens appear bigger and more spacious than they really are and is crucial to ensuring that everything can be performed with maximum safety. Kitchen designers will always recommend that your kitchen has two separate styles of lights:

Function lighting – these are the lights that are tasked with illuminating the dark areas created by kitchen cupboards. It’s advised that two lights are designated to each area to prevent dark spots.

Atmospheric lighting – these include ceiling mounted lights, wall lights and indoor spotlights to generate the majority of light throughout your kitchen space. All quality contemporary atmospheric lights include dials that allow easy adjustment of the light’s brightness and even colour.

5) Avoid poorly made items and materials

Remember, your kitchen renovation is an investment. This is something that is going to enhance the quality of your home and its resale value. Don’t forsake quality and longevity just for the sake of saving yourself a few dollars initially. The best products are ones that are backed by substantial guarantees. For example, while a more expensive benchtop material may be a little pricier to begin with, looking after it correctly will ensure a pristine surface that will last for years to come.

The article is informative and provides much-needed information on license requirements for starting the business online. Online business is easy to open and require minimum paperwork compared to conventional retail business done from the stores and malls.

Arguably the most exciting sector of the Indian economy is e -commerce, with more than 11.47 million (and in fact growing) broadband users, the internet is making space into the marketplaces and consumers wallet like never before.

Besides attracting users, this sector is also luring in many young entrepreneurs, who are heading out to take their traditional businesses to a whole new level. The game of e-tailing is on and we can quite easily track the sector budding.

Businesses who are budding up needs to be aware of their obligations towards governments, which they need to comply in the form of various applicable licenses.

Licenses are the legal obligation that every business need to obtain, in order to earn recognition for their company and to save their company from legal chaos or as we have discussed, their legal shield.

Now when it comes to licensing of the online stores, there does not exist any significant difference in licensing from brick–and-mortars. An online store needs to obtain almost the same business licenses as are required by a brick-and-mortar store.

Let us present you some key obligations, or licenses that your business needs to obtain before it actually steps ahead to trade. These are:-

The process includes obtaining an array of licenses, permits, and registrations to operate your business legally and to protect your personal assets and boost your business credibility.

Licenses

The licenses are not general to all. They depend on a number of factors such as a type of business, business structure, geographical location so some business may require all of them while others only a few.

Service Tax Registrations.

As per the rules framed by the Indian government, every service provider has to mandatorily apply for Service Tax Registration if the value of the services rendered by him in a financial year is more than 9 lac per annum. Therefore every business needs to watch out for their state’s Service tax registration in order to be deemed a legal service provider.

Occupation License.

In addition to various business licenses, state authorities also ask for some occupation licenses which are specific to certain professions such as attorneys, architects, hair stylists etc. They need to present their occupation license which certifies their expertise in the concerned field.

 Trade License under Shops and Establishment Act.

Any individual, who is commencing a new business, online or offline, needs to get the business registered with the local government unless he is doping with his own name. The government has made necessary for a business to obtain this license.

To ensure that the business applies for licenses, it is made free from any unfair trade practices, following relevant rules, safety measures and guidelines. So all those businesses moving ahead with a plan of getting payment gateways and employing people in the process needs to get registered for this license.

CST/VAT Registration.

Value added tax is required for all business selling good, be it an offline store or an online one. Manufacturers and Traders should obtain VAT Registration if their annual turnover crosses 5 Lakh.

Since the state governments determine it, therefore each state has different VAT regulations based on the type of goods sold. Therefore, it is one of the very important registrations that you need to consider for your online store.

All these compliances are quite essential for a legal birth of your online venture, so let the process be smooth, convenient and hassle free with LegalRaasta because we know how valuable your licenses and time is.

One of the mistakes most do-it-yourself homeowners makes during significant home improvement projects is in trying to complete the job without the right tools. How many times have you tried to use a flat-head screwdriver instead of the right wood chisel, for example? You get the picture, right? All of us are guilty of trying to take shortcuts or save money and opt to inventing what I call “poor-boy” methods and ways to perform a home improvement task using the wrong tool.

It’s not that we don’t know better. For we almost always know when we’re not working with the right tools. But, we either can’t afford the right tool at the time, or we’re in a hurry and don’t want to take the time that it takes to run to Home Depot, Lowe’s or the local hardware store to buy the correct tool to do the job.

This is particularly the cases when we’re being asked to do what I call “honey-do” projects. You know what I’m talking about, right? That’s when your spouse (notice I didn’t say wife) is sweet to you for no apparent reason and after buttering you up tells you (notice I didn’t say “asks you”)”Honey, this weekend when you have some time I would like for you to do [insert task here] for me.” Then before you can respond you hear, “Oh, and while you’re at it honey can you also do [task 2], and [task 3] and [task 4] and …….” You get the picture — that’s what I can “honey do projects” and almost all of them will require tools to perform.

Notice to that honey-do projects around the house never come one at a time, they usually come in bunches. And if you’re not willing to create a check-off list to note the ones you’ve completed, trust me, you spouse will gladly create the check-off list for you. In fact, my spouse typically gives a hug, a kiss, a nibble on the ear — then slides the check-off list in my shirt pocket and says “Honey, here’s a short list of just a few things I would like for you to do around the house this weekend.” That list usually laps around to the backside of the page.

I’ve found that you just can’t say “no” to honey-do projects. It doesn’t pay. And excuses like “I had planned on watching the Masters golf tournament, or the Superbowl is this weekend, don’t go over well.” So it’s best to learn how to do things quickly. And to perform projects quickly, saving you time to watch the NBA playoffs or that next round of Jeopardy is having the right tools for the job.

But as I said, most of us will procrastinate forever and try to build skyscrapers using nothing but a hammer and a putty knife. Take my word; the best investment a man can make in his life is in the contents of his toolbox and workshop. Sure, that investment can cost you a fortune over a lifetime, but not if you shop wisely. And that’s the point of this article, for the best deals you’ll find on tools is not at your local Home Depot or Lowe’s. Don’t get me wrong, I love both stores and would rather be browsing their shelves than visiting my local sports bar (sounds corny but true). But when I shop for tools I go online. The savings can be enormous on many items.

A great place to get started when shopping for tools is 1-Tools.com, at http://www.1-tools.com — your central resource center for tools of all kinds. This excellent information hub for tools, hardware and home improvement provides links to the best tool sites online, articles about tools, tool auctions, books about tools and much more. Do yourself a big favor and check out 1-Tools.com before you make your next tool purchase.

During times of economic downturn, starting a business has
been the way out for those individuals who have lost their regular job or have
become frustrated with stagnating or lower earnings. But what are the best
business ideas in today’s world?

There has been a huge move to individuals purchasing
products and services on the internet. For example, over the 2012 Christmas
holiday season period spend on the internet was 16-percent more than  2011. This features Nov 26 (also know as Online
Monday) which became the biggest internet trading day in history at $1.4
billion dollars.

This increase of 
business being shifted from physical stores to the internet has created
an great opportunity for new entrepreneurs who are looking for the best
business ideas.

Over the last five years there has been an huge number of
individuals looking for methods to “make money” outside of traditional market
and on the internet and now some of the best business ideas are now on the
internet.

Since 2007 the number of individuals looking on the world
wide web for methods to “make money” has more than doubled to over 5 million
queries monthly.

But how do you do make an online internet business?  Firstly, you cannot make a webpage and hope
that customers will come. There are a lot of websites on the internet and they
are all fighting for attention. The only way to make way in the extremely
competitive internet business world is to be knowledgeable on how to use it to
your full benefits.

If the best businesses are now on the internet,
entrepreneurs need to learn how to set up and generate from their online
companies. As with any business, whether it is off-line or on the internet
there are a comprehensive range of aspects to consider:

As a starting for your business idea, one of the most
practical and most well-known on the internet methods is through online
affiliate marketing. This is because it needs little experience, no inventory
and with the use of simple marketing techniques that will turn guests into
customers. Your job is to advertise items of suppliers and then sending
potential customers to their web page. When somebody purchases the supplier’s
items or services, and if they have been sent to the web page by you, the
supplier will pay you a percentage.

To send potential customers to a retailer’s web page, there
are various promotion models that you can use. There are both paid and free
methods.

One of the best companies on the internet which is free
comes from individuals who have a love of a particular topic and then set-up an
on the internet a blog about that topic.

As their viewers grow from others who are also enthusiastic
about the topic, the blog author can start to recommend products to his readers
which are relevant to the topic. When a reader purchases the product via the
blog, the author gets a commission! It has not cost the author any money to get
that sale other than the time to set up and develop a well-known blog.

Blogging does take a while to obtain a following and thus an
income. For a quicker result, you can buy traffic, with such methods as
pay-per-click advertising, on the internet banner ad techniques, solo ad
promotion and ezine promotion. For more information on these methods, please
refer to my other artilces on these subjects.

When the best business ideas are put into action there are a
few risks, even during the best of times. But, if you have a great business
ideas and are willing to take a few risks, then developing an online based
business during a economic downturn could really play to your benefits.