Want to Save on Travel Expenses? Rent Your Luggage

Traveling is expensive, and getting more expensive all the time. It’s easy to think of only the price of airfare and lodging when you’re calculating the cost of traveling, but that can lead to a big surprise by the end of your trip. Sometimes it seems like there are 101 different ways to bust your budget while traveling, most of them minor expenses that turn into major outlays by surprise. The cost of taxis, bites to eats, tips, car rentals, and all the other little bills add up quickly, and if you’re not vigilant, you can spend more on all the little things put together than you can on the big outlays. Smart travelers are always looking out for ways to save money on everything.

That’s why renting your travel bags can be a great idea. Instead of purchasing an enormous and expensive set of luggage before you ever set foot in an airport or train station, you can pick only the pieces of luggage you need and have them delivered to your door by regular package delivery services. Just open the boxes, take out your clean, up-to-date and stylish luggage, and put in your clothes. Nothing could be simpler. When you return from your trip, you simply unpack, slip the luggage back in the reusable boxes they came in, and give them back to the shipper.

Renting your luggage saves you money before you travel as well as after you’ve returned home. The cost of renting luggage is a small fraction of purchasing new luggage. Luggage is generally sold in large sets, and you’re mostly likely forced to purchase at least one piece that you’ll never use in order to get enough of the pieces you really need. That’s incredibly wasteful, and unnecessary. When you rent your luggage, you never have to spend a penny more than you need to in order to get the exact type and size of cases and bags you need, and as many of each as you want.

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If you rent your luggage, your savings don’t stop there. Luggage takes up an enormous amount of space when it’s not in use. Space costs money. If you’re a homeowner, you know how hard it is to store rarely used items like luggage. Apartment and condominium dwellers have no room for luggage. Renting a storage locker in order to keep your luggage at hand is like strapping a taxi meter to them. For convenience and cost savings, renting your luggage instead of buying it is a sure winner.

What is Property Development Finance?

Property development finance is the term applied to lending that is used for the sole purpose of acquiring and building up property. Whether it is for a new business wanting to build, an existing business wanting to expand, or developers wanting to obtain land for future use or sale, property development financing is the type of financial assistance sought. Lenders who only deal with property financing are able to often times offer better rates than a broad, or general, type of lender. They understand the risks and nature of developing property and are better prepared to ascertain a company’s potential to repay the loan, or if they can themselves turn profit from the property if the loan falls through.

Types of unique offers property development financiers can offer.

Property development financing companies tend to specialize in lower rates, deferred payments, and flexible interest rates to meet the needs and unique situations of developers. The reason why development financing differs so greatly from traditional loans, is that unlike an established investment, you are banking on what you can create. Institutions that focus on development projects tend to have leaders that have been in the business a long time and are able to assess how likely a project is to succeed.

What you should know before seeking property development loans.

Aside from being sure of the lender’s credibility, you need to be able to present a clear and well developed business plan. If they have doubts as to if you will be able to achieve your goal, or if the proposal seems like one that will not be as profitable as needed, they will not be as likely to offer financing. Some companies are more prone to taking risks, but not without setting steeper interest rates and terms to help ensure they loose as little as possible on a failed venture. If a company offers to finance without being presented a proper business plan, they are not likely to have the best of terms.

Things to consider when selecting a financing company.

Those who make expedient decisions can also be ones to avoid as well. Property Development Finance From EuroGuide is a company I discovered to take a long time to make a decision. Submitting a twenty page business proposal should take more than a few hours to properly review. If you see an advertisement for same day or rapid approval, there are bound to be several catches in the fine print of the offer they are likely to present. The very tenuous nature of developing land and new business opportunities makes property development financing a much different field of lending. As with anything that deals in part around the restrictions of real estate follies, land values and markets can change rapidly. Even if you have what seems a foolproof plan of action to purchase a parcel of land and turn it into the next thriving attraction, there are always risks that mean your plan could fall through. A good property development finance company will consider all the possible factors that may affect your plan, even the ones you may not have considered, before moving forward with financing the project.

What’s Cheaper: Pre-Made House Plans or Hiring an Architect?

Having a home built is an important decision that will shape the future of your finances and family. You need to carefully consider your options and decide whether you should hire an architect to design your dream home or save money by purchasing pre-made house plans. Both options have their pros and cons. It is best to learn as much as possible about architects and pre-made plans so you can make an educated decision.

Why Should You Consider Pre-Made House Plans?

First of all, pre-made house plans are affordable. Once an architect or a firm designs a plan, they can generate profits over the years by selling these plans to multiple clients. This allows them to offer low prices. On the other hand, an architect who designs unique plans will have to generate all their profits with one client.

There is a wide range of pre-made house plans available. You can find plans for many different styles of homes, including green homes. You can also find plans designed with economy in mind. The average building costs $80 per square feet in the U.S. but you can easily find plans designed to cost you less. This is an ideal option if you are building a home on a small budget.

Pre-made plans are just as good as something designed by an architect as long as you choose plans from a quality service or reliable professional. It is important to do some background research on the company or the professional you want to purchase pre-made plans from to make sure you will get a quality product. Click here for some great examples online.

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Are There Any Cons Of Purchasing Pre-Made Plans?

You can easily avoid issues by carefully researching the company or professional you want to buy plans from. It is possible to run into a number of problems, including plans that are not compatible with local planning policies since pre-made plans are designed with a specific location in mind. You might also end up with plans that were not designed with your terrain or climate in mind and have to make a few modifications.

Another downside to pre-made plans is the lack of customization. It is possible to make a few modifications to pre-made plans but you will have to spend more. Purchasing plans that were sold to countless clients before you means your home will not be unique. If you are looking for a home that truly reflects your individuality, your best option is to have an architect design it.

What Are The Advantages Of Hiring An Architect?

Hiring an architect is more expensive but you will get a truly unique home. Your architect should listen to your suggestions and take the time to understand your needs so they can design a home that corresponds to your personality. This is a great option if you want to build a unique house that your family can call home. Feeling at home in a house that was built from pre-made plans can be difficult since your home will probably lack personality.

The experience of a good architect can help you avoid a number of mistakes. A good architect should take the time to familiarize themselves with the terrain you want to build on and should ask questions about your needs. Your architect should be able to foresee construction issues that your contractor might run into or advise you on the ideal design for your home.

An architect can create a design that corresponds to specific requirements. You will get a design that is compatible with local planning regulations and adapted to your terrain or to the climate of the area you live in. Your architect can add any features you like to your design or create a home with a specific style in mind.

What Is The Downside Of Hiring An Architect?

The cost of hiring a good architect or of working with an architect firm can be prohibitive. House plans can cost anywhere between $1,000 and $4,000, depending on the experience and reputation of the architect you choose. You will also have to wait a few months before your design is ready. Successful architects will take even longer to create your plans and make necessary modifications due to the high number of clients they get.

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If you cannot afford a good architect, you might end up with low quality plans that do not correspond to what you wanted. Your contractor might run into problems while building your home because your architect did not anticipate them. You might have a hard time getting your architect to create a home that corresponds to your needs or your budget if they lack experience. If you run into a problem with your architect or their designs, the construction of your home could be set back several months. The cost of having an architect create customized plans could also be much higher than what you planned on spending if you have to ask for multiple modifications since a lot of architects will charge you by the hour.

Should You Hire An Architect Or Purchase Pre-Made House Plans?

This all depends on how much time you have to complete the construction of your new home and how much money you can afford to spend. You should definitely take a look at pre-made plans to get a better idea of the designs available and see if anything corresponds to your needs or to the styles you like. If you feel that pre-made plans are not a good option for you and your family, contact different architect or architect firms to learn more about their services and prices. Tell them about what kind of plans you want to get an idea of how easy it would be to get an architect to design your dream home. Remember that building a home is a very important decision and you should carefully research your options. It is possible to build an ideal home with the help of an architect or with pre-made plans. However, you need to be aware of the pros and cons of each option and decide what is best for your home and your budget.

Finance 101: Wholesale vs Retail

Selling products is a great way to have income on a regular basis. The problem is sometimes people are not aware of what the difference is between selling at the wholesale level or the retail level. By knowing this information it is going to be easy for people to understand more about what type of business they are going to need to open and how they are going to open the business. Without this information, people could think they are able to open a business without putting any thought into the business and this could easily lead to them having problems because the business is going to fail because of the lack of planning or education that people have on what the difference is between retail and wholesale.

Items To Consider For Wholesale Businesses

Minimum Order Quantity

Typically when people are opening up a wholesale business, such as wholesale handbags, wholesale shoes, etc., unless they plan on doing drop shipping for customers they will have a minimum quantity of product that people have to order. With this minimum quantity that people have to order it will make a difference on how much people can afford, but also make a difference on how much the business has to carry of any given product. For example, if a business has to order twenty walking sticks to get the wholesale price, then the wholesale supplier should at least carry 20 of those walking sticks, but should actually carry five to ten times more so they can supply multiple businesses without running out.

Lower Pricing

Typically when people are running a wholesale business, they will have the minimum order in place, but the main reason for this is so they can keep the pricing lower. So people are going to find the prices that they are using for the wholesale business is significantly lower than what they are used to having for a retail product. However, this does not mean the wholesale business is not making money, instead the business is making the money by selling it in quantity to the businesses that are reselling the product. However, the business needs to make sure they are keeping their prices high enough to remain profitable if their cost increases before the next order comes in.

Must Stock Large Quantities

Stocking larger quantities is something else that people in a wholesale location will also see. Since the wholesale businesses are typically selling to other businesses than just one, they need to keep multiples of the product on hand. By doing this, the business will make sure it has enough on hand to supply people, but also have enough to supply all of the new businesses they can take on.

Have A Variety Of Products

Typically a wholesale location is going to have a variety of products. Even in the wholesale warehouses that are specialized in a single part of the home, like the kitchen, people will find they are going to have to carry a variety of the products that are used in the kitchen on a daily basis. So people who are running the wholesale kitchen suppliers need to make sure they know more about the items they are going to have to carry and how they are going to stock these.

Sells To Retail Establishments

Typically with a wholesale location they are going to supply directly to the retail locations. So this means the business is going to have to only locate some of the best stores to sell to and they will have a strong relationship with these stores to make sure they are going to get the right customer base.

Retail Considerations To Make

Sells To Customers

The retail locations are going to sell directly to the customers. When people are going to sell directly to the customer they are going to have to find out what the customers want to have, but also get the items the customers want in stock. However, the retail locations are going to be more established and have more interaction on a regular basis with the customers who they are helping.

No Minimum Order

Typically when people are selling at a retail location they do not have a minimum order that they are requiring their customers to buy. This means the customers are going to be able to buy just one of each item for a price mark up. So people will be able to get the amount that they need, rather than having to figure out where they could store a large number of products at once.

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Does Not Carry A Large Inventory

With the retail locations people will find out that they do not have to store a lot of inventory to stay in business. Since the business is in the process of selling individual products to the customers directly, they are going to have to only sell one or two at a time. Since the businesses are not selling as much at once, they do not have to carry as much of any of the products that are required. Without this, the business would have to carry a large amount of the products and this could easily cost the business a small fortune, before they would make it back.

Having a business can be exciting, but it is also a challenge because sometimes people do not know if they should select between the retail type of business or if they should do a wholesale business. By knowing about a couple of the main differences between these two types of businesses, though, it is very easy for people to know what kind of business they should open. Then people will get a better feel about how they are opening the business and even what kind of business they are opening. Without this, people could make a mistake and open a wholesale business, when the area they are in is demanding that they open only a retail location because it would make them quite a bit more money.

Hey Finance Buffs

Welcome to the Los Angeles resource for finance!

Please read my about page, because I took a long time on it and I want you to know my goals for the site. I want to let you all know that my first post is coming soon, I know I have said I would be putting a site up for awhile now and you all have been patiently waiting. The wait is over, and I will have the first post up by next week!

Also, I just want to thank my wife and kids for supporting me in this idea. They have always been on me about getting on the web and this is partially an ode to them, so if you guys are reading this, thank you!

Brad