Author: Jacinto

When landlords screen would-be tenants, they look for financial reliability and safety around their property and other tenants. To be financially reliable, the tenant applicant must prove they’re financially stable and manage their income well. Safety considerations involve proving character through effective communication, proactive effort, and reliable references.

This guide explores the 12 circumstances that can disqualify you from renting an apartment. We’ll explore why landlords may reject an application based on these factors and provide actionable steps to address and remedy each situation.

4 Factors to What Can Disqualify You From Renting an Apartment

Being transparent about any of these factors is crucial during the application process. Failure to disclose significant details to the landlord may lead to complications and potential eviction later on.

#1 Your Income is Not Enough for Rent

According to the Office of Policy Development and Research, US housing costs must be 30% below income to afford housing. For instance, the average monthly rent is $1,377 in Spokane, Washington. Therefore, applicants are generally expected to earn at least $4,590 monthly to afford rental expenses comfortably.

The landlord will ask for pay stubs, bank statements, and employer references to verify income. These documents help confirm whether the applicant has a steady and reliable income to meet rental obligations. Failure to demonstrate adequate income may result in the application being disqualified.

What to Do:

Make sure that your required income documents (pay stubs or bank statements) match the income listed in your application. Any discrepancies between the stated income and supporting documentation could result in automatic disqualification. 

Fabricating or inflating income information also risks potential legal consequences. It’s essential to accurately and honestly fill out the rental application to avoid such pitfalls.

#2 Poor Credit Score

Landlords assess applicants’ credit scores to measure their financial responsibility and management. A low credit score can signify a history of late payments or economic hardships, raising concerns if the applicant can meet rent obligations promptly.

A favorable FICO credit score typically falls around 670. FICO, or Fair Isaac Corporation, scores are widely used to evaluate creditworthiness based on credit history.

What to Do:

If your credit score is low, consider alternative arrangements to secure the rental. options include offering a higher security deposit or rent upfront for several months. Doing so gives your landlord more cushion to fall back on if you default on your lease.

Another approach is to enlist a guarantor who commits to covering rent payments in the event of default. Guarantors can be trusted family members or third-party services. However, they typically need to meet higher income requirements than tenants.

Additionally, actively work on improving your credit score over time. Credit scores can be improved with on-time bill payments and maintaining low credit card balances. Consider exploring credit builder loans and rent reporting services. These services enable credit improvement without the risks of maxing out your credit card.

We also recommend contacting a second chance approval service company. This service refers to properties that accommodate credit issues.

#3 Your Debt-to-Income Ratio is Outside a Landlord’s Threshold

The ratio of your monthly debt payments to your monthly income is called debt-to-income (DTI) ratio. A high DTI suggests that most of your income goes to debt repayment. It signals potential financial instability and challenges in meeting rental obligations on time.

Landlords determine their DTI thresholds, guided by the Fair Housing Act. Their regulations prohibit them from setting disproportionately high thresholds that may discriminate against low-income renters.

According to the Motley Fool, an ideal DTI typically falls at or below 35%. If your DTI ranges between 36% and 49%, it may still be acceptable, but landlords may scrutinize additional factors to assess your suitability as a tenant.

What to Do:

You can lower your DTI ratio by taking care of smaller debts. Consider augmenting your income to facilitate higher debt repayments.

Negotiating reduced interest rates with creditors or obtaining a loan co-signer can also help alleviate financial strain and reduce one’s DTI ratio.

#4 Presence of Evictions in Rental History

A history of previous evictions can lower the chances of being approved as a tenant.

A landlord checks for eviction history by asking the applicant for their previous landlords’ contact information.

They can also check an applicant’s eviction history by checking their court records. Court records can be accessed by visiting the courthouse, their state’s website, or asking the courthouse for a mailed copy.

What to Do:

If you have a history of evictions, it’s advisable to be transparent with your landlord. Providing context, such as a job loss or medical emergency, can mitigate the negative perception associated with evictions.

Additionally, furnishing references from previous landlords, employers, or other reputable individuals can prove your reliability.

Offering increased financial security can remedy landlord concerns in cases where references are limited. Consider proposing a larger security deposit, advance rent payments, or securing a financially stable co-signer. You can also show your commitment to pay on time by having automatic payments.

Alternatively, explore second-chance leasing programs tailored for individuals with eviction histories to find a suitable apartment within the area.

Successful Apartment Renting Where You and Landlords Will Benefit

Applying for apartments can be exhausting but rewarding: you’ll have an apartment you can call home. There are reasons to what can disqualify you from renting an apartment. Still, with good references, assistive services, and actionable steps, you’re bound to find an apartment that meets your needs and preferences. Trust is a two-way street. Don’t forget that you can negotiate with your landlord where both of you would benefit when renting with them.

Ready to embark on your apartment search? Explore our range of apartments in Spokane, W, to kickstart your journey towards finding your perfect home.

Goodale & Barbieri | Renting an Apartment

With retirement approaching, it’s a good idea to familiarize yourself with what can cost you your Social security benefits or what you can collect on top of them. Also, if you’re receiving Social Security Disability, will your retirement affect those payments? These are important topics to cover, just as knowing what SSI and SSDI are, when to file for each, or switching from one to the other. Collecting Social Security and DisabilityMany people confuse their social security retirement with supplemental security income, but they are entirely different programs and that matters a great deal if you’re hoping to collect social security disability. The issue here is eligibility and what those payments look like, while it’s tempting to think that applying for various forms of social security will make for higher payments, it isn’t how it works. Essentially, the social security office will only pay you whatever is higher if you’ve filed for both. In most cases, the SSI disability is higher until you reach the age for full retirement which will then automatically convert to your retirement benefits. There is a rare exception to the automatic conversion rule and that is when someone opts for early retirement but is then approved for SSDI benefits. This way you can receive early retirement payments until the disability insurance is approved and the additional money comes in on top of the early-retirement benefits, likely along with the retroactive benefits. Can You Switch from SSI to SSDI?Yes, you’re able to switch from SSI to SSDI. If you file for early retirement and then suffer from a disability, you can apply for SSDI benefits. If approved, they will switch your early retirement benefits to SSI disability benefits. This is also true in reverse. This is one of the instances where you would want to speak with an SSI or SSDI lawyer before making any filings or claims, to ensure you’re not robbing yourself of a higher payment or missing an opportunity to benefit from what is rightfully yours. It isn’t uncommon for people to file for SSDI, only to find their social security retirement was much higher, and are now unable to collect. Filing for Disability and Social Security at the Same TimeThis is another common “trick” people employ to try and receive both social security disability and social security retirement insurance, but it can have costly ramifications. People who retire early and apply for disability at the same time run the risk of their SSDI being denied, then being forced to collect lower benefits for the rest of their life. While this is an option for people who are quite impaired and it’s all but guaranteed they’ll get their SSDI benefits, you have to ask yourself if it’s worth the risk. This is another area where it pays to have a lawyer well versed in social security disability benefits and the social security administration. A Guide to Social Security Disability and Social Security BenefitsIf you’re considering filing for both social security benefits and SSDI, it’s important you have the right guide to ensure you get what is rightfully yours. Being denied social security disability and getting lower SSI benefits is a scary and stressful time, especially if counting on that extra income makes you think you cannot afford an attorney. Getting what you need to live and have what you deserve is too important to leave to chance. Partner with an experienced ally that is by your side from start to finish to better secure your benefits. Secure What's Yours

By Ambassadors Ajla and GabbyThe expectations of saving for college can seem scary as students go into their senior and junior years of high school. But with careful planning, it is possible to achieve financial independence.In this blog post, we’ll be discussing strategies and tips to help you save for college while still managing a day-to-day life. By embracing these habits early on, you can prepare for a brighter future without being troubled by excessive student loans.Have a Savings & Checking AccountMake sure to open a savings and checking account so that you are able to have a place to safely store your hard-earned money. Canopy’s Young Adult Accounts are a great place to start for students with perks such as a free rewards checking account and access to a uChoose Rewards Visa card. While most people know that having a savings account is very important, it is important to know that a checking account is also essential. Using a checking account for easy access to money for essentials and a savings account for setting aside your goals is a great way for teenagers to begin to manage their money.Get a Part-Time or Summer JobA great way to save up for college is to work, either during the summer or during the school year. Even minimum wage jobs provide you with a steady source of income that you can budget and save.Jobs also provide great opportunities to practice the type of time management and responsibility that will be crucial in college. Look for opportunities that line up with your schedule and interests, such as tutoring or part-time customer service roles. Not only will this help you save money, but it will also provide valuable work experience that can improve your resume for later on. Set Monthly Goals for your SavingsSetting realistic goals is a crucial step in preparing for college. Determine the total amount you need to save and break it down into manageable monthly or even yearly targets. Dealing with smaller numbers is much easier than having to deal with a big number. This will help you stay focused and motivated throughout your college savings journey.Create a BudgetCreating a budget is crucial for any student looking to save for college. Start by tracking your income/expenses to find any areas where you can cut back. Prioritize your needs over wants and assign a specific amount of your income towards a college savings. By sticking to a budget, you can ensure that your savings grow steadily. Take College-Level ClassesAP (or advanced placement) classes allow high school students to earn college credits while still in high school. This can save you time and money by reducing the amount of classes and credits you’ll need in college. AP classes are also an amazing opportunity to take hard, college-level classes with a smaller class size and more one-on-one teaching that most college classes don’t typically include.Also, running start is an option for some high school students. By taking classes at local community college, students can work toward an AA degree while still in high school, shortening their time needed at a four-year school. Apply for Scholarships Many scholarships are created specifically for high school students and can help you pay for some, or all of your college education. Research and apply for scholarships and grants that align with your academic achievements, extracurricular activities, or personal background. Be driven in seeking out these opportunities and ensure that you meet all the application requirements and deadlines. Work on improving your GPA and talk to your school counselor to find out what options are available to you.If the cost of attending a four-year college seems overwhelming, consider starting your education journey at a community college or even online. These alternatives often offer more affordable fees, allowing you to save money while still receiving a quality education.Saving for college as a student requires control, planning, and a willingness to make sacrifices. By setting clear goals, creating a budget, exploring employment, seeking scholarships and grants, and considering alternative education options, you can pave the way for a financially independent future. Start today, and watch your savings grow as you embark on your educational journey. To find out more, click the link below. Canopy Credit Union | Saving For College

Sinus Infection Tooth Pain: How They Are LinkedSinuses are spaces in your skull. They warm and moisten the air so that they are fit for you to breathe in. The largest sinuses, called the maxillary sinuses, are above your upper molar teeth. When the maxillary sinuses are infected, they can also affect the closest areas, such as your upper molars. Sinusitis causes tooth pain in two ways:Referred pain from sinuses, teeth, and gums share the same pain-transmitting nerves. Congestion puts pressure on the root of the upper molars, causing discomfort. Can Sinus Infection Cause Tooth Infection?No, a sinus infection cannot cause tooth infection. However, a tooth infection can spread to the sinuses and cause sinusitis. Dental infections can cause 40% of chronic sinus infections.Can Sinus Infection Cause Tooth Pain in Front Teeth?The maxillary sinuses are above the upper molars, making them less likely to cause tooth pain in the front teeth if the sinuses are infected. We advised that you schedule an appointment with your doctor to learn more. How do I Know if My Toothache is a Sinus Infection? Causes and SymptomsSinuses produce mucus to keep the air moist and prevent the inside of your nose from drying out. If the sinuses are irritated or infected, they can swell and get congested, causing pain in the upper molars.What are the Most Common Symptoms of Sinus Infection Tooth PainTogether with sinusitis signs and symptoms, the most common symptom of sinusitis tooth pain is toothache on more than one adjoining upper molars. The pain is not localized on one tooth. Another common symptom is pain aggravated by movement. Movement like jumping up and down can aggravate sinus tooth pain. Pain can also be aggravated by bending over or lying down. The motions can cause congested sinuses to press on the roots of the molars with more force. Meanwhile, lying down can lessen the pain.How Long Does Tooth Pain Last with Sinus Infection?It would depend on the severity of your sinusitis. Since sinus tooth pain appears more in acute sinus infection, said symptom can last up to ten days. Effective Remedies to Relieve Sinus Pressure in Your TeethSinusitis Home RemediesSince the congested mucus promotes germs that cause sinusitis, the goal is to decongest. Here are remedies you can try at home:HydrateDrinking fluids can help thin the mucus and promote drainage to the nasal cavity.Warm CompressA warm compress over the sides of the nose can warm the sinuses and loosen mucus.SteamingBreathing in the steam of a bowl of hot water or a hot shower can loosen mucus. The warm, moist steam can soothe irritated nasal passages and make breathing easier.Sinus FlushingFlushing your sinuses with warm or room-temperature saline solution can help moisturize the lining of your sinuses. It can also loosen mucus and Clear nasal cavities. DecongestantsDecongestants can help relieve symptoms. Topical decongestants shouldn’t be used for more than seven days as they can cause symptoms to worsen. The same can happen when using decongestant nasal sprays for over Three days.Toothache Home RemediesCold compressA cold compress on the painful area for 10-15 minutes several times daily can numb tooth pain. Over-the-counter Pain RelieversYou can take OTC pain medications such as acetaminophen or numbing gels to treat sinusitis dental pain. Do I Need Antibiotics for a Sinus Infection?Since most sinus infections get better without antibiotics, antibiotics are only prescribed by the doctor if other treatments don’t work, and they suspect bacterial infections. Antibiotics are only prescribed when other medications don’t work because they can cause mild to rash side effects, from rashes to severe allergic reactions.When to Seek Professional Dental and Sinus CareWhile you may need to consult your dentist to confirm if you have sinus or dental-related tooth pain, please schedule an appointment with your doctor if you experience any of the symptoms:Tooth pain that persists after the sinusitis has disappearedSevere painFever that lasts more than three daysSymptoms that persist for more than ten days without improvementSymptoms that got better then got worseInability to eat or drink due to dental or facial pain.If you’re looking for sinus relief or interested in learning more About sinus surgery, click the link below!Explore Sinus Surgeries

When it comes to positioning electronic hardware, spacers and standoffs are two common types of fasteners used to create space between two objects. Although they may look similar, there are important differences between spacers and standoffs that make them better for different applications. Choosing a spacer or standoff for your electronic hardware is important and understanding which applies better will help produce better quality hardware while avoiding problems that may arise later. Below, we discuss the differences between spacers and standoffs, their common uses, and the different types available in the market.Standoffs: What Are They and When to Use ThemStandoffs are threaded fasteners that are used to create space between two objects while providing a solid and secure connection. They are typically used to mount circuit boards, panels, and other electronic components inside an enclosure or chassis and come in various sizes, and lengths, and are available in both male and female threading.A male standoff has threads on both ends, while a female standoff has threads only on one end and a smooth bore on the other. The female standoff is typically used to create space between two circuit boards and the male is used to connect a circuit board to a chassis or enclosure.Standoffs are commonly made of materials such as brass, aluminum, and stainless steel. The material is an important choice to make as well:Brass is a popular choice due to its excellent electrical conductivity and corrosion resistance.aluminum is lightweight and has good thermal conductivity. Stainless steel is highly durable and can withstand harsh environments.There are two common types of standoffs: A standard standoff has a hex-shaped body with threads on both ends Swage standoffs have a round body with threads on one end and a flat or rounded head on the other and are often used in applications where the head of the standoff needs to be flush with the surface. Spacers: What Are They and When to Use ThemSpacers are non-threaded fasteners that are used to create space between two objects. Spacers are used in applications where the distance between two objects needs to be maintained but where a solid connection is not required and are available in various sizes, lengths, and shapes, including round, hexagonal, and square.Spacers are commonly made of materials such as nylon, aluminum, and stainless steel:Nylon spacers are lightweight, non-conductive, and have excellent resistance to chemicals and UV light. Aluminum spacers are lightweight and have good thermal conductivity.Stainless steel spacers are highly durable and can withstand harsh environments. When to Use Spacers vs. StandoffsWhether to use a spacer or standoff depends on the specific application requirements:When a solid connection is needed between two objects, such as mounting a circuit board to a chassis or enclosure, then standoffs are usually more appropriate. When a solid connection is not needed, and maintaining a specific distance between two objects is the goal then spacers would be a better choice. Essentially, standoffs are used in applications where vibration and shock resistance are important because they provide a more secure and stable connection than spacers. Spacers, on the other hand, are used in applications where weight and cost are a concern, such as in consumer electronics.Stand Offs or Spacers?When choosing an appropriate fastener for a specific application, it is important to consider factors such as the required distance between two objects, the level of vibration and shock resistance required, and the weight and cost of the fastener. With the right choice of fastener, you can ensure that your electronic components are mounted securely and positioned correctly.Discover a wide variety of materials, platings, threads, and length combinations for your unique applications in metric, standard, and custom inch sizes by clicking the link below! Lyn-Tron | Electronic Hardware & Electronic Components

Do you ever find yourself doubting your abilities on the job? Do you wonder how you got where you are and how you will continue to move ahead? Do feelings of inadequacy hinder your ability to take on new, more challenging work?These are all signs of imposter syndrome, which can be a big roadblock in your career. The good news is that many successful people face it. The bad news is that you have to address it. Otherwise, it could wind up costing you future promotions or opportunities.To help you grow in confidence and kick imposter syndrome to the curb, here are some tips to keep in mind:Think about what you’ve achieved.You likely have many successes and wins over the years. Think about these and even write them down, so you can reflect on them and absorb your many achievements. This isn’t about bragging. It is about how you see yourself, so you can begin to form a more positive self-image, one you can turn to when the negative self-talk creeps in.Keep a “win” file.Beyond simply thinking about your achievements, document your successes, as well, whether it’s writing them down or saving files or documents of positive performance Reviews or feedback from a customer. Not only will this help you boost your confidence, but it will help you stand out when you’re looking to get promoted or find a new job.Get positive feedback from people you trust.If you really are having trouble with imposter syndrome and it’s holding you back, seek some feedback from those you trust, whether it’s colleagues or family, or friends. They can work with you to provide positive affirmations and help you to see the accomplished professional you are.Many successful professionals, even at the highest levels, experience imposter syndrome. So don’t let it get you down. Do, however, deal with it so it doesn’t have a negative impact on your career progression.Ready to move up and out in your job?Turn to Provisional Recruiting. As a leading employment agency serving the Spokane, WA area and Coeur d’Alene, ID, we can connect you with rewarding jobs that are the right fit for you. Search our jobs now with the link below.Provisional | Career Growth

If you have been denied at your initial hearing, appealed in time (60 days), and then were denied at reconsideration – the road to receiving your Social security Disability Benefits can look daunting, even impossible. It’s likely, you’ve appealed that decision, have waited multiple months, and the day has finally come to have your hearing in front of an Administrative Law Judge (ALJ). What happens now? And importantly, what can you do to prepare?The biggest problems facing claimants who are not represented by an ALJ are not understanding the hearing format and unaware of the medical and other evidence in their file!Ensuring Your Medical File is Ready For ReviewThe single biggest obstacle is the medical file. When unrepresented it is YOUR responsibility to make sure your medical records have been properly submitted to the hearing office and have been placed in your electronic file for the judge to review. This is NOT Social Security’s responsibility. No records, or not an adequate file typically leads to frustration with the judges and a possible unfavorable decision for an otherwise great claim. How do you go about fixing this problem? When the hearing office schedules your hearing (typically more than 75 days out) they will mail you a CD with your file. You need to ACCESS this record and see what Social Security is MISSING from your medical record. Social Security must have records pertaining from your onset date to shortly before your hearing. The ALJ’s tasked to decide your case cannot award benefits if there are no medical records for the time in question. For example if you allege disability from 2016 but only have records beginning 2019, the judge WILL NOT find you disabled prior to the medical records on file! You can request your medical record from your providers at little or no cost to you directly from the provider. This then must be submitted NO LATER than 5 DAYS prior to hearing via fax, mail, etc. Do NOT bring records with you to the hearing unless you HAVE TO (i.e., just received them).The second biggest obstacle for unrepresented claimants is they are unaware of the hearing format. It is NOT to tell the judge what’s wrong and why they should find you disabled. The ALJ will ask you specific questions about your daily activities, where you worked and the reasons behind leaving work. It is not, in other words, an open forum for you to discuss your problems. It is detailed, specific and if you are not prepared the burden is on you, not the administration.Other Tips for Your HearingWe highly recommend you adhere to the following advice as well:Don’t interrupt the judge.Answer the judges specific question. A question about your past work is not a entry to discuss your back problems. The judge knows about your back problems, they want to know about the question they asked.Come prepared with recent medical evidence already submitted well in advance.Arrive early to your hearing. Most offices will screen you for drugs and weapons and have forms to fill out, do NOT BE ON TIME. ON TIME is LATE.Dress comfortably but respectfully; no logos or political statements.Show the judge respect. “Yes your honor” or “No your honor.” They are judges and expect to be treated respectfully. They are the sole decision makers of your claim, so it always helps to show respect.If you’re interested in finding expert Representation to claim your Social Security Disability Benefits, Marken Law Group, does not charge a fee unless you get the benefits you deserve. Click the link below for a free consultation!Get Expert Help Securing Your Social Security Disability Benefits

Selling Commercial Real Estate can be a complex and long process, especially if not using a broker to help you sell the property. There is a lot to know About how to market buildings, how to negotiate, find a buyer, and the legal end of selling commercial real estate as well. With that in mind, we’ll be touching on three primary areas to give you the basics of how to sell commercial real estate and what to expect when putting a commercial property on the market. Selling Commercial Real Estate Off MarketOne of the first things people consider when selling commercial real estate is where to let people know the property or properties are for sale. Looking for a buyer off-market is essentially looking for them yourself via three routes:Letting family and friends know you’re selling off your property. Even if they can’t afford it or you know they wouldn’t be interested, they can let others know that may be interested or didn’t they were till the opportunity presented itself.Contacting real estate developers directly. Most developers are always looking for new properties and are also very well connected. Identifying who are some of the leading commercial property real estate developers can land you an offer.There are several firms that are always looking for investing opportunities in commercial real estate. Contact them to see if they’re interested in reviewing your property and perhaps they’ll take the property off your hands. Selling Commercial Property Without a BrokerTo preface this, it isn’t usually a good idea to try and sell commercial real estate without agents or a broker. It’s a lot of complex work and requires a lot of knowledge, as well as expenses. If you’re committed to putting your properties on the market yourself, here is how to sell commercial real estate on your own:You’ll want to hire an inspector to Review the property and have any repairs that are needed to be dealt with immediately. Hire a commercial property appraiser so that your listing price is justifiable and on point with the marketList the commercial propertyPromote the listing on social media, through friends or family, and other places you’re able to list properties for sale.Make the property presentable for showingsHire a real estate Attorney to ensure contracts and sales are legal, as well as to ensure good negotiating with potential buyers.If an offer is made that you find acceptable, decide on a closing date and then finalize the sale with the buyer. Be prepared for a time-consuming process and a lot of attention to detail when selling the commercial property yourself. It’s easily a full-time job at a minimum. Sell Commercial Real Estate Property with a BrokerWorking with commercial real estate agents is far easier than trying to juggle the job yourself, and is often a far better strategy to sell your property. Real estate agents and brokers are professional experts and know tricks of the trade that can only be learned through experience. They are also far more well-versed compared to any first-time seller, making them a great guide from inspection to sale. Here are a few ways working with a commercial property broker helps sell your property:Real estate agents and brokers know what marketing a property takes, and also have connections with professional photographers, as well as where to list your property. They are a big help in marketing the commercial property to get you the best and fastest sale.The first section listed who to contact to sell a commercial property, but there would be no need if working with a broker. They already have a list of contacts and be able to connect you with a potential buyer. Working with a broker or agent saves you time and not just in regard to how long the property is listed. They handle the communications with potential buyers and speak on your behalf with added expertise.Real estate negotiating is intense and can be off-putting to a new seller. Luckily, agents and brokers are well-versed in how to negotiate the sale of commercial property and can ensure you get a favorable return on your buildings. When looking for a commercial real estate agent or broker, you’ll want to make sure they’re experienced in commercial real estate. Click the link below to connect with a commercial real estate expert today!Connect With Commercial Real Estate Experts 

Businesses are increasingly adopting Voice over Internet Protocol (VoIP) phone systems to meet their communication needs and enhance their ability to connect. While VoIP phones are becoming the standard, if not the popular choice, how much does a VoIP phone system actually cost? Below, we will explore the various factors that contribute to the cost of a VoIP phone system, helping you make an informed decision for your business.Understanding VoIP Phone Systems VoIP phone systems use the internet to transmit voice calls, eliminating the need for traditional phone lines by taking an analog audio signal and transforming it into a digital one. They offer a range of features and benefits, such as scalability, flexibility, and advanced features, and are cost-effective. While VoIP phones deliver incredible solutions to businesses, no matter the scale, it’s important to understand the contributing factors to their cost before deciding its the right technology for your company.VoIP Phone CostsWhile costs of installation and VoIP Services may differ between providers, below are the chief factors that contribute to the price of integrating VoIP phones:VoIP Phone Systems and PhonesWhen considering the cost of a VoIP phone system, you need to account for both the system itself and the phones. VoIP phone systems typically come with a one-time setup cost or installation fee, which may vary depending on the complexity of your requirements. Also, the cost of VoIP phones can vary based on the features and quality.Monthly Service CostsVoIP phone systems require a service provider to handle call routing and manage the infrastructure. These service providers usually charge a monthly fee per user or line. The number of users and desired features will impact the monthly service costs, and it’s important to compare different providers to find the one that best fits your needs and budget.Additional Features and IntegrationVoIP systems offer various additional features such as voicemail, call forwarding, auto-attendants, and integration with other business tools like customer relationship management (CRM) software. While these features can enhance productivity, they may come at an extra cost. Consider your specific requirements and determine which features are essential for your business.Installation and SetupSetting up a VoIP phone system may involve installation costs, especially if you require professional assistance. Some providers offer self-installation options, while others provide on-site setup services for an additional fee. Be sure to inquire about the setup process and associated costs when selecting a VoIP provider.Now, let’s delve into the specific costs associated with VoIP phone systems:Calculating Costs of VoIP PhonesHardware Costs: To install a VoIP system, you need to invest in IP phones and other necessary hardware. The cost of VoIP phones can range from affordable entry-level models to high-end phones with many advanced features. Monthly Service Fees: The monthly service fees vary among providers and depend on factors such as the number of lines, features included, and level of support. Carefully review the pricing plans and choose one that aligns with your business needs. Some providers may also offer additional discounts for long-term contracts.Internet Bandwidth: VoIP phones rely on a stable and reliable internet connection. Ensure that you have sufficient bandwidth to handle the voice traffic without sacrificing call quality. Upgrading your internet connection may incur additional costs, but it is essential.Maintenance and Support: Consider the ongoing maintenance and support costs associated with your VoIP system. Some providers include support as part of their service fees, while others may charge an extra fee. It’s important to have a clear understanding of the provider’s support policies and associated costs.F2F Telecommunications VoIP ServicesWhen determining the cost of a VoIP phone system, it’s crucial to consider the upfront hardware costs, monthly service fees, additional features, installation, and ongoing support. While adopting VoIP phones for your company is essential to remaining competitive and ease of communication, choosing where you purchase your VoIP system and your provider is critical.  We at F2F Telecommunications do more than give Small to medium-range businesses the VoIP phone service they need to compete without enterprise costs, we make sure they have all the data equipment too. Working with the company that is empowering Cincinnati businesses with unified communications means having your business phone systems complete and ready to go.Explore why F2F Telecommunications leads in providing VoIP phone systems to businesses below.Face-to-Face Telecommunications

HiLine Homes recognizes the significance of energy efficiency not only in terms of environmental sustainability but also as a means to provide long-term cost savings and comfort for homeowners. The decision to utilize a blow-in wall insulation system over traditional batted insulation reflects their commitment to staying at the forefront of innovative construction practices.By incorporating advanced insulation techniques, HiLine Homes not only aims to exceed industry standards but also to provide homeowners with residences that are not only environmentally responsible but also economically beneficial. The investment in energy-efficient technologies aligns with a broader commitment to sustainable building practices, allowing homeowners to enjoy reduced utility costs, increased comfort, and a lower carbon footprint over the lifespan of their homes.A well-insulated home needs less energy to heat in the winter and less energy to cool in the summer. It is a very important component of an energy-efficient home. Why does HiLine Homes do this when many other builders only use batted insulation?Why Use Blown-In Wall Insulation?Blow-in wall insulation fills in all gaps and voids in your walls and provides the highest attainable R-value in a wall.  There are many benefits of a blow-in insulation system, including higher R-values, superior sound control, and reduced air infiltration which will significantly improve the energy efficiency of your home.Good insulation, properly installed, is your primary defense against growing energy costs.It is the simplest and most cost-effective way to reduce energy use and greenhouse gas emissions.According to the E.P.A., it also saves over 600 times more energy each year than all the compact fluorescent lights, Energy Star appliances, and Energy Star windows combined.The concept of energy efficiency is simple:  “Less Energy to Provide the Same services.”Contact your local HiLine Homes office to discuss building your new home with a Home Consultant and ask to see a demonstration that shows the superiority of a blow-in insulation system with the link below.Hiline Homes | Benefits

Sedation dentistry is wonderful because it allows you to have a significant amount of dental work completed, while you rest comfortably through your appointment.If you feel anxious about going to the dentist, sedation dentistry is a well-tested, effective way to reduce discomfort and pain. It has the added benefit of allowing dentists to complete treatment in less time and with fewer appointments.Types of Sedation CareAccording to an Adult Dental health Survey, almost 50% of people report feeling anxious or have extreme fear of the dentist. With that in mind, Dr. Frahm has created an atmosphere of tranquility in her Zen-inspired office. With aroma therapy, Personal music players, plush blankets and neck pillows, we provide a gentle, calming experience to put you at ease as soon as you walk in the door. To further offset anxiety, we often suggest sedation dentistry to patients who experience dental stress and anxiety. Sedation dental care involves the use of medicine to reduce anxiety.Dr. Frahm is an expert in two types of sedation dentistry. She always discusses your options with you before treatment begins. With each type of sedation care, you remain semi-awake and able to respond, but rest in a deep state of relaxationNitrous OxideNitrous oxide or laughing gas is an odorless gas that is used in combination with pure oxygen to induce a feeling of relaxation and well-being during treatment. It is the mildest form of sedation and creates a pleasant feeling of euphoria. Nitrous oxide has been used in dentistry for over 100 years. It is well-tested and effective. The gas wears off within minutes after treatment, allowing patients to return home on your own with no lasting effects.Oral Conscious SedationOral conscious sedation or OCS is a newer, extremely effective option of sedation dentistry. Dr. Frahm has undergone rigorous training to be certified with the Doctors for Oral Conscious Sedation. Referred to as “twilight” treatment, OCS puts you in a dozing state. You will feel relaxed and rest through treatment. With oral conscious sedation dentistry, about an hour before treatment, you’ll take anti-anxiety medicine to reduce your stress even before coming in. Many patients prefer OCS because it is a deeper form of sedation that prevents anxiety, makes the experience more comfortable and reduces your memory of the procedure.While your treatment is performed, our care team monitors your blood pressure, oxygen intake and heart rate to make sure you are calm and well taken care of. Because the effects of oral conscious sedation last longer than nitrous oxide, someone will need to bring you to your appointment and drive you home later.Your dental health and well-being are important to us. You’ll also be hearing from Dr. Frahm once you return home to ensure you are feeling comfortable and well.If you have a fear of dental work, you are not alone. Dr. Frahm will carefully discuss your particular needs with you to determine which form of sedation care works best for you. As always, our holistic approach to dental care keeps your long-term wellness in mind. Contact Dr. Frahm today at 831-372-8011. Our office is conveniently located at 660 Camino Aguajito #201 in Monterey, CA 93940.To learn more about Sedation Dentistry, check out more with the link below. Dr. Sarah Frahm

The decision to buy Commercial Real Estate is an exciting venture and often more lucrative than investing in a residential property. Whether you’ve invested or purchased property before, buying commercial real estate is wildly different than residential. It’s essential to understand each step of the way before you begin the process, as one hiccup or mistake can potentially be detrimental to purchasing a property.To help you move from your decision to taking possession of the commercial property, we’ve put together a guide on how to buy commercial real estate. If you’re going to invest the time and money to buy buildings, it’s better to do it right the first time around. Know Why You’re Buying Commercial PropertyBefore you start on the road to buying commercial property, it’s good to understand your motivations as they will inform many of the choices you’ll have to make later on. Is your goal to have a property that has the potential to appreciate and build equity over time? Are you looking to take advantage of tax benefits or scale your portfolio? Perhaps you want an apartment or office property that can be rented out or used for your own Business?There is no correct answer here, but it will help you buy properties that get you to your goal and have the kind of investment that’ll benefit you. What Type of Commercial Real Estate Do You Need to Buy?Now that you know what your goals for investing in commercial real estate are, you can choose the type of commercial property that will best serve it. There are many kinds of commercial real estate to choose from, such as:Retail buildingsMultifamily apartmentsMallsWarehousesMixed-Use buildingApartment buildingsOffice buildingsIndustrial buildingsShopping centersTo better help you narrow down the list, what are your needs for the property? Will you be running your own business out of it or having tenants only? Answering that question will cut that list down considerably as you have only one other question to ask yourself after that: what kind of tenant do I want or what kind of business do I have?Look at the Commercial Real Estate MarketThe commercial real estate market, like all markets, can fluctuate and so, it’s important to pay attention to it far in advance before buying a building. You’ll want to consider how it goes up and down, ebbs and flows, and set yourself up for the opportunity to take advantage of prices in a down market.This step boils down to investing smartly and knowing the arena you’re about to step into. Secure Financing Before starting your hunt for a commercial real estate property, you’ll want to line up the financing options available to you in advance. You could think of this as the firm step-one in how to buy commercial real estate since it’s the first concrete move towards owning a building. First, you’ll want to check your credit, and then, depending on your lender and the type of loan you’ll be applying for, your business credit scores and reports as well. Yes, both personal and business credit reports are important to check as several lenders will want to see both.If your credit is good, make sure that the information is accurate and take an honest look at the type of financing you qualify for. There are several financing options but account for the type of property and other factors to ensure the best option for you. You’ll want to compare interest rates, fees, repayment terms, and other points in your search for financing as well. Partner with the Right Commercial Real Estate TeamWhile there are steps you can do when buying commercial real estate before this one, if you’re new to the world of commercial properties, then you’ll want to partner with an experienced commercial real estate team. There are a lot of moving parts, and it quickly becomes a complicated process. Even experienced investors get a team to help them make the best decisions for their goals. Not only would you want a commercial realtor, but you’d also want a tax Attorney, accountant, and perhaps a broker as well as a commercial lender. Rather than trying to navigate the tricky waters of buying commercial real estate or partnering with those who have less experience, discover the smooth route to investing by working with experienced experts by following the link below.Goodale & Barbieri Commercial Real Estate