What is QuickBooks software program? A guide to deciding onthe proper solution

Whilst you pay attention “small-commercial enterprise accounting software,” you possibly consider QuickBooks.

Currently, QuickBooks software program holds extra than 80 percent of the small-commercial enterprise market percentage. In case you’re researching small-business accounting answers, in reality QuickBooks can be for your listing.

But which model is right for you? On-premise or cloud? With payroll or without?

QuickBooks has a product for almost all your accounting needs, however sorting thru the alternatives can experience like an insurmountable challenge.

To simplify your search, we’ve created the following QuickBooks assessment, which outlines the distinct versions. Watch the quick video beneath to peer a quick summary or read our in-depth file for extra details.

Solo marketers in search of cloud-based totally accounting:

  • QuickBooks self-employed

Small organizations looking for cloud-primarily based accounting:

  • QuickBooks on line (as much as 5 concurrent customers)
  • Small to medium groups seeking computing device accounting:
  • QuickBooks laptop merchandise
  • QuickBooks Support Phone Number
  • QuickBooks for mac (up to 3 concurrent customers)
  • QuickBooks pro (up to three concurrent users)
  • QuickBooks most beneficial (as much as five concurrentusers)
  • QuickBooks employer (up to 30 concurrent customers)

Additional merchandise:

QuickBooks apps

QuickBooks self-employed

The most recent version of the QuickBooks product line is a cloud-based monetary control carrier designed for self-employed and/or freelance people (e.g., everyone who contracts out their offerings, including an uber driving force).

The answer comes in two programs: self-employed and self-employed tax package.

QuickBooks self-employed permits customers to:

Hook up with bank and credit score card money owed

Track income and expenses, separating transactions as business or private

Categorize and song irs agenda c tax deductions and expenses

Calculate quarterly taxes

QuickBooks self-employed tax bundle gives the equal functionality as self-employed with a connection to intuit TurboTax, permitting users to:

Pay quarterly taxes on-line

Export time table c deductions to TurboTax

Advantages: a mileage tracker—users can log journeys through coming into the date, cause and miles pushed. The software calculates the deduction robotically.

Drawbacks: lack of invoicing capabilities without a connection to a charge gateway.

QuickBooks on-line

In 2014, intuit stated a prime turning factor for QuickBooks products: for the first time, more new clients selected QuickBooks online over computer variations.

Given that then, QuickBooks on line has grown to over 1 million subscribers, signaling that small corporations are growing more assured web hosting their accounting solutions within the cloud.

The QuickBooks simple begin package consists of:

One user license

Facts import from excel or QuickBooks laptop variations

Get admission to for up to 2 accounting experts (accountant and/or bookkeeper)

QuickBooks necessities consists of the above talents as well as:

3 person licenses

Ability to set person permissions (accountant, bookkeeper and so on.)

Capacity to postdate payments and payments

QuickBooks plus consists of all of the above and more. Extra services include:

Five user licenses

Inventory monitoring

Developing and sending purchase orders

Advantages: connectivity—cell apps are to be had for ios, android and home windows devices. Moreover, clean integration with third-party packages inclusive of PayPal and Shopify is available.

Drawbacks: consistent with consumer critiques on softwareadvice.com, QuickBooks on line lacks a few capability to be had in QuickBooks computing device merchandise. As one consumer factors out:

“The internet version does now not will assist you to run extra than [one] commercial enterprise organization. The computer model lets in a couple of tax ids.” ���.�9�NT�U�

Promotion in instagram. Instructions part 4: how to recruitsubscribers

If there are no subscribers in the instagram store (in other words, potential buyers), then this is some meaningless online store. Of course, you can ask friends and relatives to subscribe to your account, but this resource will be exhausted. What to do next and how to increase the number of subscribers in instagrame? For this there are at least 8 ways. Many of which, by the way, can be used for free.

8 ways to get more followers on instagram

1. Natural followers instagrame subscribers – live communication

This is a free, most natural, most reliable, but also the most difficult and time-consuming way to increase the number of your followers. It lies in the fact that you yourself will find your target audience on instagram, you will go into their accounts, like photos, leave comments and subscribe to them.

Here it is necessary to say about the very mass folowing, which was mentioned in the very first article . When you subscribe to someone, the person pays attention to you, enters your account and signs back. Out of courtesy or because he really liked you.

How to find your target audience? Use search by tags and your own competitors! See who subscribes to your competitors, who leaves comments under their photos.

In addition, subscribing to someone, do not forget aboutthis person. From time to time, view the tape, leave comments, communicate withthose to whom you are following and who are following you. And, of course, youneed to respond to all comments that are left under your photos (bots andtrolling do not count). Read our guide on how to start an Instagram account.

!CAUTION! Not so long ago, instagram imposed a limit on the number of subscriptions. Now you can maximally subscribe to approximately 7,500 accounts, after which the ability to subscribe will be limited. And even they can be banned.

In addition, there are several nuances that give subscribers the cheat and “inanimate” accounts. The most important indicator that an account is not conducted from the heart is when the number in the right column (the number of people you are subscribed to) greatly exceeds the number in the middle column (the number of people who subscribe for YOU).

When a new user comes to you and sees that you are subscribed to 5000 people, and only 100 are subscribed to you, your account IMMEDIATELY seems uninteresting to him. Because it would be interesting, the number of subscribers and subscriptions would be at least equal.

At the same time, if a person comes in and sees that you are subscribed to only 3 people, and 5,000 are subscribed to you, you immediately look very interesting to him! And the new user is psychologically much easier to click on “subscribe”, because he sees that 5,000 people have already done this.

What now, do not subscribe to anyone? Not! Sign! But then sometimes unsubscribe. Not five minutes later, but a few days later, but clean your tape and make sure that the ratio of subscriptions and subscribers does not go beyond what is permitted.

2. Contests and giveaways

Everyone loves gifts and is ready to fulfill certain conditions for them. Therefore, contests were, are and will be one of the easiest ways to get many subscribers on instagram at once.

The algorithm here is almost the same. You come up with a prize. He should be cool, and not from the series “it’s not a pity to give back”. Post a picture of this prize in your instagram and in the commentary you will learn in detail about the rules. Usually, participants must subscribe to the organizer’s account, make a repost of the contest photo and in the comments to their repost give a link to the organizer (for example, @magazin_romawka) and indicate the contest tag (for example, # daisy_giveaway). Sometimes asked to celebrate friends.

Thanks to the link to the organizer in your post or a friend’s mark in the comments, your friends will be able to log in, subscribe and also take part in the contest. So, through this kind of “word of mouth” and the number of subscriber’s increases.

6th Grade Plumber Qualities And Importance

Disassembly, repair and assembly of complex parts and components of sanitary systems of central heating, water supply, sewage and drainage systems. Testing sanitary systems. Audit and test equipment. Marking of installation sites of instrumentation. Must know: the rules for testing sanitary systems and fittings; methods of preparation and testing of boilers, boilers, heaters and pumps.


Salary plumber – from 65,000 to 175,000 tenge. As you can see, the gap between the minimum and maximum salaries is large, so it’s worth saying that the level of compensation for the work of this specialist directly depends on where he works, what kind of casa view plumbing equipment has and, of course, what is the mode of operation (with the shift method increases significantly).

Language numbers

Plumbers in the age range of 30-40 years constitute more than a third, namely, 35% of all applicants. 60% of plumbers received secondary vocational education, while a quarter of applicants graduated from secondary school only. There are among plumbers and people with higher education, their 13%. But the probability of meeting a female plumber is small: 99.5% of applicants are men.

Pros and cons of the profession


The demand for plumbers in the labor market is very high and constant. After all, they are required not only in the construction of new houses, but also in the repair of old buildings. And during an unforeseen emergency, the plumber is the most important person at the time. And although their work is hardly noticeable to most people, without it our life and life will be deprived of all the benefits to which we are accustomed and to whom we treat as something natural and permanent.


The earn known utility via skilled casa view plumbing profession remains one of the most difficult and complex. This is especially true of dismantling the old casa view plumbing equipment and installing a new one, which implies working in cramped conditions on the walls and partitions, limited lighting and other inconveniences.


  • Medical restrictions for the plumber:
  • Impaired vision and hearing;
  • Chronic diseases of the joints, deformity of the fingers;
  • Violation of the functions of the musculoskeletal system;
  • Diseases of the cardiovascular system;
  • Skin and allergic diseases;
  • Respiratory diseases;
  • Aggressiveness, irritability;


  • Possible ways of development of the plumber
  • Specialization and development of related professions

Over time, doing more and more complex and large-scale work, you can learn new specialties in the framework of close professions. For example, the pipeline installer.

Managerial career development

This career path implies that a worker with a plumbering profession can, over time, improve his qualifications in a construction university and move through administrative growth: the technician is the head of the company’s technical maintenance department. In the presence of the engineering vein, it is recommended to get a higher technical education and move along the line of a technician – an engineer – a chief engineer. When choosing this career direction, it is necessary to be sociable, it is useful to develop managerial skills, additionally master such professions as a manager.

Types Of Lifts For Disabled (Enable Them To Get Around)

If a person is disabled does not mean that he can’t move on in his life.  Time and time again the disabled people have shown that they are more the bodies and can do what they love without the limits in their way. A disabled person can accomplish anything he sets in his minds to. A disabled person knows that it is not easy to get around as there will always be some sort of obstacles to overcome.

Getting your wheelchair in the car is not easy. The set of stairs to your porch can also be an obstacle for a disabled person. Thankfully, various walking aids and products can help the disabled person to move around independently. Piattaforme elevatrici per disabili is one of the solutions we will discuss later.

Types Of Wheelchair Lifts:

Wheelchair lift is indeed a great help for those with disabilities. It helps them go up and down without getting anyone’s help. There are different kinds of wheelchair lifts for different purposes. With the list so long, it is not that easy to know which wheelchair lift will be right for you. Let’s break it all down by taking a look at the types of wheelchair lifts:

  • Platform Lifts:

The first type of wheelchair lift we are going to discuss here is the platform lift that serves the simple purpose. It transports you with your wheelchair straight up over a vertical barrier. Ride onto the platform lift, close the door, push the button and the lift will take you to the next level. When you reach the second level open the door and exit. Piattaforme elevatrici per disabili is the type of lift what most people think of when they decide to install a wheelchair lift.

  • Auto Lifts:

The auto lift can take your wheelchair with you on an open road. No matter what type of your vehicle is there are plenty of lift options available to take your wheelchair along with the vehicle. If you are unable to decide what type of auto lift it better for you, then talk to the mobility expert. He will help you determine the best solution for your situation.

  • Elevators:

Elevators are becoming increasingly popular even though there are quite expensive. People are now installing the elevators in their home so that the elderly or disabled people could go up and down stairs without any difficulty. The difference between the elevator and platform lift is that the platform lifts are not fully enclosed while as the elevators are.

  • Incline Lifts:

Just like the platform lifts the inclined lifts also take you upstairs with your wheelchair. But In a platform lift, you go vertically. However, the inclined lift takes you upstairs diagonally as it travels diagonally along the contours of the staircase. When not in use, it can be lifted to let the friends and family use staircase.

There are plenty of lift options available enabling the disabled to get around.

Rent A Car In The Dubai

After talking with friends, looking at the “branches” of the forums, I came to the conclusion that many of our tourists do not know “WHAT is happening on the American Someone refuses this option due to incomprehensible moments, someone due to fear of difficulties, insufficient knowledge of the language, or little driving experience. Some “young” drivers of our megacities, where every trip is like a race for survival, are afraid of the unknown rules and laws and present car rental in an unfamiliar country (this, incidentally, concerns not only the Dubai, but also other countries) as something frightening. This is how the idea of ​​creating this article was born, which, I hope, will help to remove many questions that arise when deciding whether to rent a car or not. The information is presented on the basis of personal experience, the experience of friends and acquaintances. The names of rental companies, hotels (motels) and website addresses are not specifically indicated, so that 1. I don’t create advertisements that I personally like, 2. These are particulars that have no meaning in the context of this article. Anyone who wants to, I am ready to explain, tell and answer questions. Meanwhile

Trip plan

Just want to say that it is better to book a car in advance! And even better before buying air tickets (why, it is written just below)!! Most often through a specialized website is cheaper. There are many such sites in the internet. Look for one where there is no need to make an advance payment in order to be able to “catch” a tempting offer, if it comes later or refuses reservation, if suddenly plans change. Lack of prepayment will eliminate the need for unnecessary trouble with the return of money.

Before you start ordering a car, determine the approximate plan and route. This is necessary to reduce the cost of booking a car. For example, if you arrive in LA and plan to dwell a day or two on Disneyland or Universal, you may not need to immediately take the car. It can be ordered later in the city and it is convenient to get to parks and main attractions by public transport (this is despite the fact that LA is called the city on wheels). Moreover, finding a parking place near famous places is extremely problematic. For example, in order to walk along the Avenue of Stars, we had to leave the car for three blocks and then hardly found a place. Even paid parking is not guaranteed (I will write below for paid parking and usage rules). In addition, in many hotels in LA, parking is also paid (from 12 to 25 dollars / day). So what’s the point of taking a car to make it stand? In addition, the cost of renting a car in the same company may be different depending on the place of receipt. As a rule, the airport is a bit more expensive (it depends on the seasonality and the chosen type of car), and delivery in the same city, but in another rental center does not impose additional costs (again there are exceptions, which must be taken care of in advance).

Another thing, if you do not plan to spend the night in Angeles. Then yes, with the suitcases do not particularly walk. And the price of a hotel in the city and beyond is different not in favor of the latter. With me there was such a case. At the end of the trip I had to spend two days in LA. My hotel was in the center. Good thing I booked a car without these days. Parking 15 bucks a day, and from the hotel to the conference center 5-7 minutes on foot. In addition, a Flyaway bus runs between the airport and the Union Station (and a few more points). The price of the ticket is about 10 dollars (I will not say for sure). Well, a taxi, of course, has not been canceled.

It is necessary to take into account where you want to get on the car, what to see. If, for example, you go for two weeks through parks and canyons, then you need to look at the route and decide: take the car with the return in the same place or one way. This is important because affects the price. Friends had a case. They planned to visit Yellowstone Park, Grand Canyon, Zion, etc. But I also wanted to see the ocean. So, they were already going to share the trip, because taking a car at the LA airport and renting it in Denver was very expensive. But by searching on sites and “twisting” the route, we got the ideal option – rent a car at Billings’ airport and hand it over to LA. The price turned out to be the same (or even slightly less), as if it were taken and handed over to LA. Good airline tickets were not purchased and they built a trip itinerary in a way to fly to Billings (naturally with docks), and fly out of LA. It was also a good option from Denver, but they chose an additional flight to save time.

5 Tips or the perfect car trip

No matter where you are going, whether you are a beginner or a professional, these 17 tips for a traveler will make your trip by car a pleasant walk.

A successful journey by car will stay with you for life. The car will allow you to see not only the big tourist cities, but also small cozy villages, to join the unexplored places and natural attractions. The car gives freedom of movement and significantly saves the budget, if you are more than 2 people. Traveling by public transport in developed countries is not cheap, and moving on it turns out much slower.

Where to go, when to go forward and what budget to put in – it all depends on you. We talked to an expert in auto travel and the author of the Trip Together blog, Elena Shikova, and selected the 17 most important tips that cover all types of auto trips in any country. Consider them as your guide from “a” to “z”.

Most auto travelers choose a route based on the estimated budget of the trip and the availability of free time. Ideally, you need to make an approximate plan for your trip, it is better to plan more, but keep in mind that this is only a plan and not be upset if something goes wrong.

  1. Google Maps

Everything starts from something – start it and you. Enter the starting and ending points, calculate the approximate length of the path. Customize it for yourself and see the different routes and the approximate duration of each of them. Here you can also see if you will be just a few hours from the place where you were not going to, but which you would like to visit. Make sure that the main route from point A to point B is laid, but not scheduled up to a kilometer. Leave space for unexpected turns, spontaneous decisions and creative “I wonder what is here?”

  1. Which car to choose?

Which car to take depends on the destination and type of trip, as well as the number of people? Consider whether you need all-wheel drive and high ground clearance, or maybe a convertible better. Book a car in advance, choose unlimited mileage (if you don’t know how long the trip will be) and buy insurance!

If the trip is a long one, a couple of months long or more, you may want to consider buying a used car that can be sold at the end. Be sure to check its status before receiving and signing the contract. The last thing you need is a break in the open field!

  1. Music

Few things are as closely related as music and a long road. There is a lot of time ahead, so record several different playlists on your smartphone (and do not forget the USB cable). Also worth checking out is local radio. This is a great opportunity to listen to music that you never hear at home. The music should be very crisp, long driving tires.

To create the appropriate mood, listen to the momondo playlist by car (if your browser cannot open the playlist, follow this link).

  1. Road trippers и Via Michelin

Check out the great Road trippers and Via Michelin website. Road trippers are best used for the US, and Via Michelin for Europe. These sites are route planners that will help you find everything from fancy roadside attractions to lodging. Covering the entire globe to get guidance go right here , it includes millions of the most interesting places and sights. Do not abandon the use of national tourist sites of countries such as Visit Norway, Tourism in Germany, etc. Many national tourist sites of European countries are translated into Russian.

  1. The most untrodden paths

Of course, driving along the highway is convenient and fast, but there is a great chance to miss a lot. If time and terrain allow, choose less popular roads. You will see much more, meet locals and walk a path that few people used to use. Topic Tip: Take a detour! See the signpost of a ghost town or a strange tourist attraction? Follow him! This is your chance. The first rule of spontaneity in auto travel.

A good exercise to progress

Deciphering is a very beneficial exercise that everyone can do according to their availability and possibilities.

The goal of such an exercise is simple: to play at best a piece in a given time and if it is not perfect, it does not matter. The goal is to participate and do the best.

There are several advantages that I will detail below and it is necessary to respect the rule of the game. If this exercise is done with regularity and seriousness, it is undoubtedly one of the best to progress.

What does it consist of?

To decipher is to be able to play a piece as well as possible in a time of work that you will have defined yourself.

Of course, it is useless to remind you that one must be modest in difficulty. We must start with simple partitions, very simple even with a number of difficulties rather measured at first.

The remarks mentioned in the previous articles are essential: observe the score, take the time to go through it, set the tone, read the notes correctly, start slowly and above all respect the rhythm and the few indications that may appear.

Give yourself a maximum working time: for example, no more than 2 or 3 hours on a piece (this can be a score of a page or a set of 8 measures of a song for example).

Do not fool yourself: the goal is not to know how to play perfectly a piece (or a set of measures) even beyond the time initially defined. The goal is to play it as best as possible in a fixed time. This is an exercise, it should not replace the study of a work that you may have elsewhere. Once the deadline is reached, tell yourself that you have done the best and watch your progress, then move on…

You can find out more:  mp3 juice


The advantages of deciphering

The advantages of decryption are numerous:

This allows you to adapt to any type of score and style. This is part of the rules of the game but do not hesitate to take partitions for which the difficulties scare you a little. We have to face all the difficulties and to force to work them, these difficulties will disappear little by little. This can concern rhythmic problems, notes (stitched / bound …), differences between left and right hands to overcome…

This will make you discover partitions and all styles. Do not hesitate to go from Jazz to Classics without forgetting the Variety. Working a little bit of everything will allow you to adapt faster to any style of music.

The work of deciphering itself is very prolific because you will progress in many areas (reading notes, rhythms, interpretations …).

However, it must be remembered that you have to do this work seriously and make sure your study is right. So do not hesitate to control yourself with a metronome, to listen to what you play either by a professional, a CD, a video on the internet … On the other hand, make sure that the partition that you have corresponds to this that you listen and / or watch.

If you have music editing software, you can scan the score or get it as a MIDI file. You will be able to hear it played by the computer. Some of the mistakes you could make will then be visible.

Window Tint for Home and Business – Security film

Glass with magnetron sputtering for energy efficient window solutions in business class homes and for private construction.

Imagine that the Security film of a modern building, like 1000 years ago, would be made from a bull’s bubble or mica. But the window companies vying to suggest that this translucent construction with precious stones, cover the bubble with beautiful curtains, would convince you to put the air conditioner a little more, and more sections of heating appliances. Like that you are a transparent part! Here we have a profile and blinds – we will provide the window with the options you want!

N the 21st century, with the development of technologies and materials, a simple double-glazed window with float glass is almost like a bubble in a window of a city dweller of the early 20th century. In any house already stood the glass. Not because of fashion – but on the objective availability of new materials and the need for their application.

 Do not sell windows, sell solutions for window openings!

Do you think the one who in his day had guessed to put the glass in the Security film opening did not make much money on it? Hardly. Those who today offer the consumer a wide range of window options, including various variants of multifunctional glasses, will be tomorrow’s leaders, but to catch up with the former is extremely difficult.

Phrases magnetron sputtering, heat saving, solar factor – for the highly competitive Ukrainian market of translucent structures is not new. Only for some reason, in the facade glazing of commercial buildings, the best designs of the leading glass manufacturers are applied. And window-makers, especially not large ones, have to prove that sun protection works, and heat-saving is the customer’s need, that the color can be outside, and inside there is a clear color rendition. Ordinary consumers do not always know what glass is capable of. The main thing is for the window seller to know that the glass is capable of more.

We have been working with multifunctional glass since 2003, using it in the production of double-glazed windows for large commercial facilities,” says Vet Kolten, marketing director of Stekloplast. – Since 2010, our company was one of the first to get inspired by the idea of ​​energy saving and sun protection – we introduced double-glazed Security film with ClimaGuard and ClimaGuardSolar. In 2012, we thought: why not offer the window market, especially the private construction market, the advantages of double-glazed windows, which have long been known and sought after by the leading architects of Ukraine? For a private customer, and for dealers – it was a perfect novelty, an alternative to which until 2012 – there were tint films, with all their shortcomings. We distributed more than 1000 demonstration samples, conducted staff training, as well as several short shares,

What Stekloplast was one of the pioneers (sun protection and energy saving), today the need for a segment of premium glazing and an additional option for owners of private cottages or developers of business class apartments. Recycling of architectural glass with magnetron sputtering does not require any additional costs if the production culture allows processing simple low-emission glass.

Our company has its own production, which guarantees low cost and prompt execution of orders without any delays. And the ability to independently control quality at all stages of the production of windows extends the warranty period to 10 years.

We offer windows from any materials – plastic, aluminum, natural wood. The texture and color of the surface is chosen by the client.

The company “Big Windows” performs the lamination of plastic Security film thus giving the opportunity to implement any solutions in the design. At the same time, the cost of such products will be significantly lower than that of competitors.

He choice of windows for country houses and cottages depends on the architectural features of the building. As a rule, such real estate does not differ in standards in the sizes and shapes of window and door openings. That is why more often for the glazing of private houses requires products of complex geometric shapes and larger sizes, not to mention the satisfaction of such individual preferences as color shade.


For Showcase Sites- WordPress Website Design

The showcase sites are particularly suitable for companies who wish to have a few pages to present their activity, their products, and their services and give some information (contacts, location, etc.) to visitors. For simple showcases, turnkey offers are aimed at SMEs or SMEs that are developed on a local or global scale. For these companies, it is particularly interesting to choose a turnkey offer for website creation in Word Press. The packaged offer allows you to have online visibility and value the image of your company at lower cost. This online visibility helps reassure customers and represents a credibility check with prospects. Your showcase site will also allow you to reach a wider customer base and expand your business.

The rates of website creation offers in Word Press vary depending on the chosen provider and the content of the offer. For a simple wordpress websites creation, with less than 5 pages, which would allow to briefly present a company and its activities, one can easily find offers ranging from a hundred euros to 3000 €.

The differences in rates depend largely on the provider: web agency or freelance. In both cases, experience and geographical location are decisive factors in the price of the service. The complex showcases sites correspond to wordpress websites with 5 to 10 pages on average, the integration of these additional pages explains higher rates. What is a turnkey Word Press site creation offer? This type of offer is defined by specific specifications. The latter lists the various tasks to be carried out throughout the mission and the time that will be devoted to it.

For any project whose characteristics correspond to such specifications, a turnkey site creation offer is made for you. Providers offer such packaged offers because they meet recurring demands and needs fairly close. For example, if your project is to create a showcase site to present your business, a lot of turnkey offer meet this need. Similarly for merchants who want to launch their e-commerce site. The turnkey wordpress websites creation offers in Word Press are quite suitable for these common requests. For more specific requests and / or more complex projects, it will be necessary to turn to custom development. For example, if you want to completely customize your site in Word Press by creating a new theme, packaged offers do not offer this option.

The rates for creating an e-commerce site are higher than a showcase site because of the complexity of its content and the integration of an online payment module. The e-commerce site must allow companies to manage their product sheets, their stock and their orders / deliveries, etc. The prices of e-commerce site creation packs with Word Press vary depending on the number of product sheets that can contain the site and the features included in the offer. Indeed, functionalities are the main factor of price variation: back office completeness, advanced inventory management, multiple payment modules, integration of an internal search engine, etc. We must also pay attention to what is included or not in the packaged offers. Whether the choice of theme – from themes already owned by the provider – is usually included in the offer, as is the integration of a payment module (like PayPal). The addition of a VAD payment module, for example, will be billed as an option in certain offers. It is therefore important to check that the specifications of the packaged offer chosen cover all the needs of your future e-commerce site. As for storefront sites, the pricing of turnkey offers for e-commerce sites under Word Press depends on the experience and reputation of the provider, be it a wordpress websites agency or a freelancer. will be charged as an option in some offers. It is therefore important to check that the specifications of the packaged offer chosen cover all the needs of your future e-commerce site. As for storefront sites, the pricing of turnkey offers for e-commerce sites under Word Press depends on the



Renegotiating a Loan: What are the Implications? -Rate and Term Refinance Program

When you buy a loan, you do it at the interest rate in effect at the time of signing. But the long-term interest rate is constantly fluctuating. It is very likely that you would now get a much better interest rate and term refi than you had a decade ago. Fortunately, you must not stop at this conclusion. You can renegotiate or refinance your loan, which will allow you to benefit from current interest rates, more advantageous. There are of course a number of conditions that we will detail below.

What are the conditions?  Refinancing a loan is only worthwhile if the difference between your current rate and the renegotiated rate is significant enough. Refinancing generates a number of costs. Here is the list below:

Three months’ reemployment allowance (three months interest on the amount reimbursed).


Notary fees: only when you take out a new mortgage with another lender.

The revision of the outstanding balance insurance, home insurance, current account insurance … associated with it can also lead to additional costs.

Attention: it is possible that another bank offers more advantageous conditions, but the costs will also be higher than in case of internal revision of the loan. It is generally considered that you have to obtain a lower interest rate and term refi of at least 1% that a change of bank is interesting!

A simulation will allow you to see more clearly

The value of renegotiating your loan depends greatly on your personal mortgage situation. Do you have a fixed or variable rate? How many years of credit do you have left? How much did you borrow? All these factors are important. The best way to evaluate your advantage is therefore to perform an objective simulation, like that of Guide-Epargne.be. The simulator takes into account the differences in rates, but also the fees that the new mortgage generates.

Would you like to know more about the consequences of renegotiating your loan on your outstanding balance insurance or are you looking for the most advantageous formula? Do not hesitate to contact us. We are at your service!


Your term ends in 2 years (or other terms) and you check the rate market regularly. You realize that there is a considerable difference between your contract rate and the one that is currently trading. Know that it can be advantageous to break your contract and renegotiate with us a new mortgage.

But before contacting us, the actions you need to take are:

  1. Have a copy of your mortgage statement for the current balance, payment, rate and term refi and term,
  2. Request the penalty for breach of contract,
  3. Contact us when you have everything in hand, which will give you an opinion independent of that of your branch or virtual advisor.

You may be surprised at the savings you could make. We will advise you on the best choice and will tell you if it’s advantageous.

Mortgage online application Contact Mortgage Intelligence