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Why Roller Blinds Are Better Than Curtains

Décor choices are a personal choice and what suits one person may of course not be the personal taste of another. There are many window treatments options out there, but it often comes down to roller blinds versus curtains for many home owners.

Whilst there are pros and cons to both, there are some great reasons to consider roller blinds over traditional choices – they are in many ways superior and can save homeowners are great deal of time and money.

If you’re looking at buying window treatments read on to find out more about why it might be time to throw away the curtains.

 

Light Control

If you want to have control over how much light you let into a room then roller blinds are without a doubt the way to go. Similar to curtains, you can them in block-out fabrics and potentially block out all the light in a room if you want to.

Due to the fact that you can roll them up and down vertically you also get a fair bit of control over how much light to want to let into the room.

Curtains don’t tend to afford you the same amount of privacy or control as you aren’t able to block the view of the room when you are opening or partially opening them.

 

Maintenance

Roller blinds tend to be easier to clean and maintain then curtains. They are far easier to spot clean and usually only require a quick wipe down for general maintenance, whilst your household drapes will probably require speciality cleaning – heavier fabrics can often absorb and hold smells too.

It is far easier for curtains to become moth-eaten, stained or mouldy in comparison to other window treatments and they can be costly to replace.

Roller blinds are without a doubt the much easier and less expensive choice when it comes to maintenance.

 

Versatility

Due to the fact that curtains can often suffer from mould, stains or water damage they are not often a great choice for bathrooms or kitchens. Depending on the fabric they can also be a poor choice for windows that get a lot of direct sunlight, as the fabric can fade.

Roller blinds are often found in every room of the house and are suitable for every environment. There are endless fabric and colour options now on the market, so it’s possible to choose the right window dressings for every room.

If you want your window dressings to match and look consistent throughout your home then curtains may not be the optimal choice.

 

Cost

As far as cost goes, roller blinds are the hands down winner. Not only are they relatively inexpensive compared to most curtain options, but they also have a lower cost for maintenance over their lifespan.

Whilst there are inexpensive and luxury options available for both window treatments, on average you can expect to pay less when you opt out of purchasing curtains.

 

Sleek look

This is a point of personal preference, as of course every design space calls for different window treatments but the look in vogue recently has increasingly been sleek, pared back design and simple, minimalist rooms.

If you’re going for a clean vibe and don’t want you window treatments to be too intrusive on your space then curtains are not the best choice. Whilst they can be very versatile when it comes to fabric options and styles, curtains tend to be a statement piece and draw the eye.

If you don’t want your window treatments to encroach too much on your room, then curtains are probably not the way to go.

Choosing The Best Family Lawyer in Sydney

Individuals who are coming out of a relationship are faced with the grueling task of finding a family lawyer with experience in Sydney. During these times it is common to feel broken and exhausted but you need to gather up your strength and put some real effort into finding a lawyer that will help you through it.

Not only is it vital that you choose a lawyer with the right skillset but it is also important that you find a professional that you will be able to work well with. Choosing the right family lawyer in Sydney will make the process a lot easier for your mental health and will also give you and your case the best chance for success.

Finding a good attorney at the best of times can be difficult so we have compiled some useful tips when you are on your search. Following these steps will give you the best chance of landing a professional that you can trust and confide in.

divorce

 

Find potential attorneys

Since you are looking for a family lawyer in Sydney you already know what category of law you should be investigating for potential attorneys. To find your potential representation you have a couple of avenues that you can explore to help you find some reliable professionals. A great way to get your search started is to ask your professional acquaintances, friends and family for recommendations. If they have been in a similar situation to you they would have also had to find a family lawyer in Sydney. Their experience along with their feedback will definitely help you get started and what you should be looking for in a lawyer.

With the internet being a rapidly growing industry for businesses you will be able to find several different firms advertising their services through search engine results. All you simply have to do is Google “family lawyer in Sydney” and you will be bombarded with hundreds of results. To find the best match for you, look at their experience and their social media channels. People vent honestly about their experiences on social media so you will be able to get a good indication of what it is like to work with that firm or individual.

 

Make a list of your potential candidates

Keeping a list of all the firms and professionals that you could see yourself working with is helpful for when you need to make a final decision. Be sure to include their name, number, address and website on your list. Excel spread sheets are the best way to organize all of the details neatly and in an easy to read format.

 

Make an appointment with the attorneys on your list

After you have reviewed your list your next step is to make an appointment and meet with them in person. Usually family lawyer in Sydney offer free initial consultations so you can sit down and see if you would feel comfortable working with them. The lawyer will take this opportunity to get the details of your case and pitch a potential strategy if they feel like it is relevant.

You should also be using this consultation to ask them questions so you can gain a better insight into what they are like as a professional. Here are some common and effective questions that most people tend to ask.

  • What is your pricing structure and fee agreement?
  • How long have you been practicing law?
  • Have you specialised in family splits that whole time?
  • Have you represented a case similar to mine?
  • What was the end result and what would you have done differently?
  • What is your availability and how do I reach you?

Everything You Need to Know About Cheap Rubbish Removal in Sydney

We all produce excess waste, it’s unavoidable. Most of the time it is possible for the general bin collection service to take it away. But what happens when you have items that are unable to be disposed of in this way? This is where cheap rubbish removal in Sydney comes in handy. If you haven’t heard of this service before, keep reading to find out everything you need to know about cheap rubbish removal in Sydney.

 

What is cheap rubbish removal in Sydney?

This is a service that is offered to both businesses and individuals. As you may already know, there are certain items that you can’t put in the standard red or yellow bins, and some items that are simply too big to fit. Many people think that their only option is to hold on to these items until they can find the time to go to the dump. However, there is a better alternative, in the form of cheap rubbish removal in Sydney. Basically, you are able to employ a company to come and dispose of all your excess waste. When you employ hire this service, professionals will come to your house or business and take away any items you no longer need. This means you don’t have to go to the hassle of hiring a van or moving heavy and bulky items. Instead, the professionals deal with the entire process, leaving you to get on with more important things.

 

What can be taken away?

trash bin full of garbage

Almost anything can be taken away when it comes to cheap rubbish removal in Sydney. This allows you to get rid of all the items that you can’t dispose of in the weekly bin collection. It is so common for people to store old household items simply because they don’t know what else to do with them. The old sofa you’ve got in your spare room? No problem. Mattresses, fridges and dishwashers are also common items families want to dispose of. However, it is also possible to get any unwanted construction materials, or hazardous substances taken away. So if you have old tins of paint lying around, this is a great way get rid of them! Don’t forget that these professionals are there to help you and give you advice, so if you are unsure about any particular items, don’t hesitate to give them a call and ask.

 

How does it work?

Lots of people make the mistake of thinking that this process is complicated than it actually is. This is why so many people choose to keep their unneeded items instead. Don’t let this be you! In reality, hiring a cheap rubbish removal in Sydney is incredibly simple. In order to book a time to get your excess waste removed, all you have to do is give them a call. It is possible to get a free online quote before you do this, so you are aware of the costs. It’s important to remember that every job is slightly different so the price may vary. When calling to book this service, try to give the professionals as much information as possible, as this will allow them to prepare correctly and do the best job possible.

 

What is included in the price?

When you organise for your items to be collected, you are actually paying for several features. Obviously you are paying for the labour and time of the professionals, so the longer the job takes, the more it is likely to cost. However, it is important to remember that you are also paying for the van. If you were to get rid of your items by yourself, you would probably have to spend a couple of hundred dollars on hiring an appropriate vehicle. Furthermore, you are also contributing to the cost of disposing the items. When it comes to the price of this service, you should recognise that you are paying for convenience and for the job to be completed correctly. In reality, you are saving money by hiring cheap rubbish removal in Sydney, as opposed to attempting to dispose of the items yourself.

 

 

The 5 Top Demolition Services Sydney

Rip it, gut it, smash it, bash it, tear it, pull it all down. The creak of the heavy machinery, the bracing silence before the mayhem, the heavy thud and the crash of falling bricks and metal girders, all billowing in a cloud of dust. There a certain beauty in destruction, especially when it’s done right, and you don’t have to worry about the clean-up. In your search for the best provider, here are five considerations for when you google demolition services Sydney.

 

Demolishments and Clear-Outs

Clearing out a house or commercial building is an expert’s job so make sure you choose well. Search for demolition services Sydney based firms and ensure your choice offers to demolish all rooms including kitchen, bathroom and structural walls. Be sure they have the expertise to not only do full building knock-downs but also partial knock downs and structural walls. Knowing how to remove windows and door openings, and waterproofing material can also be a big plus. Finally, remedial works are the feather in the bow, the cherry on top.

 

Excavations

If you are planning a bigger job from your prospective demolition services Sydney, and need a detailed excavation, bear in mind that this will probably be carried out by attempting to re-utilize the excavated rock or earth material. This reduces the amount of waste and ultimately means costs should be lower as you don’t need additional materials. The key here is using special computer programs which can help calculate the quantities and capacities necessary. Needless to say, this is a far more delicate job than it may seem at first, and a highly qualified team is required to properly assess the project.

 

Site Cleaning

Demolition Services Sydney can also provide site cleaning and remediation, the tidying and treatment of an area that ensures the negative environmental impact is minimized or undone. One particular aspect of this process is the reversal of contamination that has occurred in earth or soil. New technologies and chemicals can overturn pollution in the ground and some services can also help with stabilizing a site in order to prepare it for construction and protect it from sludge and sediment interference. Added to that, remediation is an important consideration for underground constructions such as fuel tanks.

 

Asbestos and hazardous waste

Speaking of the environment, when searching demolition services Sydney, one offering that appears time and again is that of the removal of asbestos and other hazardous materials. The disastrous effects of asbestos are widespread these days, yet unfortunately dwellings and constructions remain that contain this life-threatening material. It is unfortunately still particularly prominent in Australia. The most important criteria for the withdrawal of it is to contract a service that is fully licensed – they will know the correct manner and manoeuvres to deal with the substance and will dispose of it accordingly. In this situation more than ever, safety must be a priority for you and for demolition services Sydney.

 

Waste and rubbish removal

Finally, demolition services Sydney can also offer a more basic service, or at least a less complex one. Removing unwanted rubbish and waste also comes under the remit of a good knock down service. This will include the fixtures and fittings and any old furniture in your property; and also, any vegetation and overgrowth in the surrounding area. What many find to be an important factor here is the commitment to recycling – whether from a moral or legal point of view, recycling is more important than ever in our modern world and a good knock down service will provide not only rubbish skips but containers for reusable materials as well. This culminates in the fact that you can have a clear conscience and ensure your project was not negatively impacting the environment.

Everything to Know About Criminal Lawyers in Sydney and Confidentiality

While most people out there will understand that there are many benefits to seeking support from professional criminal lawyers in Sydney, they may be private people and won’t want their information getting out. This may be because they are someone who is often portrayed in the media, such as a football player, or they may simply not want their private information shared with other people. As this is the case, there are many out there who want to learn more about attorney-client privilege in Australia.

Most people have heard the term attorney-client privilege when watching an American TV show or movie about law, however, they may be wanting what the rules and regulations are here in Australia. For those who are worried about confidentiality when working with professional criminal lawyers in Sydney, they can have peace of mind knowing that their information is protected. In Australia this is known as legal professional privilege and is what will protect communications between a legal practitioner and their client.

Simply knowing this is often enough for people to feel safe when reaching out to an attorney and will also encourage them to be willing to offer the whole truth throughout their proceedings. This can help lead to the best case scenario possible and can help people feel calmer throughout the whole process.

 

When it comes to criminal lawyers in Sydney and confidentiality, there can be loop holes

While it is very unlikely that a professional would have to give up private information, there are always loop holes when it comes to the legal system. However, even when there is a waiver of privilege, it is usually waived by the client not by the attorney. For those who are wanting to learn more about this, they are able to chat with criminal lawyers in Sydney who will understand these protocols best.

Another reason why it is such a good idea to work with professionals is because there can be some other types of privileges out there. In some cases, communication that was made to another person in confidence to another person can also be protected. This differs depending on where the case is held and what the case entails.

As there are so many different factors to consider, it is always a wise move to seek support from criminal lawyers in Sydney even when someone is worried about confidentiality.

 

violence

 

Criminal lawyers in Sydney can recommend a public relations team to work with

While criminal lawyers in Sydney cannot legally discuss the case at hand with other people, this doesn’t mean that things won’t find their way into the media. When this does occur, it can be a wise move for people to also work with a public relations team. It is likely that the professional attorney will be able to point their clients in the right direction.

In addition to all of this, a professional is able to let their clients know what types of things can legally be shared with the media. For instance, someone may wish to talk about their side of the proceedings, however, they may not be legally able to do this. Because of this, it can be a good idea to not only work with criminal lawyers in Sydney but also with a media training team.

At the end of the day, facing a criminal charge can be an extremely hard time for everyone involved. This can be made even harder when someone already lives their life in the public eye. Thankfully, there are plenty of experts out there that can be hired in order to make this process a little easier.

 

Everything You Need to Know About No Doc Loans

If you’re a business owner, you’ve probably encountered numerous issues when it comes to borrowing money. It can become so frustrating, and it may seem like you will never be able to get a mortgage or buy a house just because you can’t offer the required paperwork to get the financial aid. But, have you heard of no doc loans? These could be a complete saviour if you are looking to borrow money. If you have no idea what a no doc loan is, keep reading to find out everything you need to know about them.

 

What is a No Doc Loan?

Although the term makes it sound complicated, this finance option actually has a relatively simple definition. The word ‘doc’ is actually short for documents. Therefore, this means it is a finance option that you are able to apply for without needing to provide the potential lender with lots of proof of your income. This is different from most finance options as banks and lenders will often require multiple payslips, tax returns or other forms of proof of income.

 

Who Can Get One?

The great thing about this option is that almost anyone is eligible. Many people who are self employed struggle to borrow money from lenders purely because they don’t have the documents to prove their income. But, because of the nature of a no doc loan, this isn’t an issue, you will not need to provide any forms to detail how much you earn. This makes it a perfect option for people who are self employed, or who have a fluctuating income. So in simple terms, almost anyone is eligible to get this form of finance.

 

What Can I Borrow Money for?

Similar to any other finance option, you are usually able to borrow money in order to fund a range of things. If you are looking at this type of finance because you are a business owner, or are self employed, it may be relevant to note that you are able to borrow money to assist with the growth of your business. Furthermore, it is also possible to borrow money consolidate current debts. Probably the most exciting thing you are able to borrow money for, though, is to buy a house.

 

Is There a Limit on How Much I borrow?

This depends on what financial institution you borrow from and your current situation. Most of the time there will be a cap of $1,000,000 meaning this is the maximum amount anyone will let you borrow. However, the reason for borrowing the money and your credit rating will also be taken into consideration. Specifically, in terms of mortgages, the maximum you will be lent is about 80% of the property value for residential buildings. If you are looking into a commercial building, you are only likely to be offered up to 65% of its value.

 

Are the Interest Rates Higher with this Type of Finance?

With any form of money borrowing, the interest rates will vary depending on a range of significant factors. Some of these factors include which financial institution you choose to borrow from, how much money you are asking for, and the state of your credit history. As a general rule, no doc loans do have a slightly higher interest rate. The reason for this is because they are designed as a short term finance option so the interest usually goes up after a period of time (usually after a few years). Another reason for this is because it is a ‘rate for risk’ form of financing. In simple terms, the riskier you are to the lender, the higher the interest rate will be. Most of the time, you are unlikely to find interest rates lower than 7% p.a and they will most often go up to about 11% p.a.

 

Do I Still Have the Same Mortgage Options?

Aside from the higher interest rate, more often than not, you will be able to choose from a range of options in the same way you would with a regular mortgage. This means you will still be offered options like: fixed interest rates, variable interest rates, line of credit, withdraw facility, 100% offset account and salary crediting. Although the process of obtaining the funds is slightly different, in regards to the lack of documentation you need to provide, the other parts of securing your mortgage should be relatively similar to standard home financing. This means that you will still be given a choice about repayment methods and interest rates. If you are concerned that you will not have as much control as you would with a normal mortgage, you have no reason to worry, as you should still be able to tailor the financing to your situation.

 

 

 

 

Top Tips for Improving Your Digital Marketing Strategy

Regardless of the industry your business operates in, marketing is important. You could have the best product in the world, but if no one knows it exists, you wont succeed. But when it comes to marketing, there are so many different options and it easily becomes complicated. Today, with the growth of technology, it is essential to have a strong online presence, this is why digital marketing is so important. However, digital marketing isn’t as simple as it sounds, and the last thing you want to do is waste time and money on an ineffective strategy. So here are some top tips given by a reliable SEO management company for improving your digital marketing strategy.

 

Tip 1: The first way you can improve your digital marketing strategy is by assessing your existing methods. It is essential to understand what is currently effective for your business, and what is not, this way you can ensure you keep building on what works for your brand, and get rid of what doesn’t. A good way of doing this is by completing an audit; it is possible to achieve this through an in house marketing team, or by outsourcing professional auditors. During this process, it is also useful to think about what budget you have, and how much you want to spend on any new processes.

 

woman using her computer

 

Tip 2: With the growth of the online market, SEO is becoming increasingly important. SEO stands for search engine optimization and is used to push websites higher up on google or yahoo searches. Many people are familiar with SEO for B2C (business to consumer) needs, but what lots of businesses forget is that SEO is also essential for B2B (business to business) purposes. When updating your digital marketing strategy, having a SEO specialist on your team is essential as they can ensure all content is correctly optimized with focused keywords, and appropriate formatting. It is also important to audit your SEO strategy to work out what processes are doing well, and what are not working for your business. However, when doing this, make sure you use the same auditing tools for all digital content involved.

 

Tip 3: In order to determine how successful your digital marketing strategy is; it is important to regularly measure the reach of your content. Measuring internal and external reach will allow you to get a better understanding of what content and topics are the most effective in your particular market. Although it can be challenging to measure the reach of your content, your marketing team will have methods that will be able to obtain this knowledge. If you do not currently have an in house marketing team, it is possible to outsource marketing professionals to complete this task for you. Basic content reach analysis includes looking at the number of engagements per month, the most engaged assets per quarter and the most shared assets per quarter. In order to complete this, you will need to audit not just your website, but also your social media platforms. This process may not seem overly important, but by understanding your strategy, and your customers you will be able to connect with your target market more easily, which will ultimately result in higher sales.

 

 

Tip 4: It’s undeniable that social media is taking over our lives, but this isn’t always a bad thing; social media can be a really handy tool for businesses. Almost every business has some form of social media platform, and they use this to connect with current customers, get new customers and build their brand. The best thing about social media? It is extremely cost effective. Some businesses do choose to use paid ads in order to boost their online presence, but it’s not essential, you can easily set up a Facebook, Twitter and Instagram page for free. It’s one of the few marketing strategies that costs virtually nothing. So don’t be afraid to utilise this and take advantage of it.

Five Legal Mistakes every Entrepreneur must avoid making

Business law is the law that governs commerce and business in the nation. The law deals with both, private and public enterprises. It regulates corporate contracts, manufacture, and sales of consumer goods and hiring practices. This article will specify a few legal hassles to avoid concerning Corporate Law :

  1. Do not delay Incorporation

There are numerous points of interest to set up a company or LLC, and for some entrepreneurs, this is the initial phase in opening their venture. However, there are others who don’t consider the benefits of joining until it’s past the point of no return. For instance, if your business is incorporated, your personal assets have an insurance in the occasion that your organization is sued by a creditor or customer. Incorporate at the right time exploit this security.

 

  1. Do not sideline the importance of NDA

Regardless of whether you do the greater part of the work yourself, in the end, you’ll most likely contract some assistance or subcontract some work. Ensure you’re prepared in advance by arranging for standard contracts early. These contracts must express the fundamental terms of the job and the payment details. Contracts should likewise assure the commitment of representatives in maintaining the privacy of your business details. Therefore, ensure you incorporate a non-disclosure agreement to guarantee individuals working with your firm are aware that all trade secrets or business plans are secured data.

  1. Ensure you’re a licensed corporation

To lawfully practice various occupations or operate most sorts of organizations, proprietors are required to obtain the local, state or federal licensure according to whichever is considered appropriate. Zoning licenses may likewise apply, particularly if you meet the customers on location. Most of the time, business licenses are moderately economical. In any case, running a business without a permit can be costly as there might be expensive fines.

Corporation

  1. EIN (Employer Identification Number )

It’s a smart thought to get an EIN from the Internal Revenue Service. An EIN works like a Social Security number for your business. It’s required under numerous conditions, for instance, if your business is an incorporation or a partnership, or in case you have representatives/employees. Even if you are a sole proprietor, an EIN can be a smart choice since you can utilize it to shield your own Social Security number, which you may somehow or another need to uncover for installment purposes.

  1. Safeguard your identity

A logo is something much more than just a graphic image. It’s a one of a kind representation of your organization’s character. As your business develops, your logo grows in value because it represents the company’s promise to its customers and clients. Ensure the value you built for your organization remains with you and not with somebody else. For this, it is essential to secure your logo so that a rival does not utilize it to pick up the business that you earned.

The Need For a Business License

Starting a new venture is an extremely exciting and nail-biting experience. In such a scenario it is quite easy to forget some important activities such as obtaining a license for the formal operations of the business. Licenses and permits are compulsory, and before you can legitimately start to work your business, you need every one of its licenses and permits to be on point.

Where to procure a Business License?

Business licenses, tax registrations, and permits, are issued and supervised by all levels of government, local, state, and federal, also county and municipal governments. In some cases, you are also required to acquire permits on every level of government.

In the United States, there are over 40,000 individual licensing jurisdictions and each one has its’ own set of licensing requirements.

Why do you require a Business License?

  1. Security

Guaranteeing your organization is appropriately licensed helps assure yourself, your workers and your clients. Having the right permit will guarantee your personal assets are secure in the event of a lawsuit. This works the other way around as well as though you are by and by at risk for harming another, your organization’s accounts won’t be accessible in the settlement. A licensed business is a separate entity from the owner, which means your organization’s taxes aren’t recorded with your own. This makes it far less demanding to report income and also organizations losses.

Security

  1. Assurance for your employees and customers

A license will likewise guarantee your employees are secured in the event that they are harmed and in addition ensure your clients as well. For example, if you sell food products or products that engage in direct contact with the human body, you will be required to have a particular permit and in addition, be required to pass a yearly investigation. This secures both you and your clients in the event that any occurrences take place.

  1. Privacy

If you acquire a permit for your business, you are guaranteeing the safety and security of your own data. This incorporates everything from your address to your accounts as they won’t be related to the business and will ensure you hold a level of individual protection.

  1. Trust and Goodwill

Clients will all the more promptly trust an organization this is licensed. You may or may not require a permit for the field of business you are involved in, yet getting one brings security. A permit demonstrates your organization is reliable and stable and that you are devoted to your organization’s prosperity.

Trust

  1. Good for the economy

With such a significant number of new organizations coming up each day, registering your organization formalizes the economy. It guarantees the business sector is flourishing, and in addition solid and protected. Small ventures can also just gain financing or assurance by the law once they are enlisted and authorized.

Strategies for small ventures to protect against white-collar crimes

When people think of white-collar crimes, they think about the most famous white-collar criminals which include people like; Bernie Madoff, Charles Ponzi or Martha Stewart. The white-collar crimes generally involve cheating, lying and stealing in a business setting. Here are some strategies for small time business against white collar crimes:

 

  1. Crimes by Employees of the Company-

Adding to the crimes done by public officials, sometimes small businesses suffer loses by the crimes done by their employees. Due to the limited resources, the small businesses have only one bookkeeper who is the signatory of checks and prepares the financial and accounting statements. So, having one person to have that much power over the business can expose the company to potential embezzlement, money laundering ,and tax evasion charges. To protect this type of crime the following strategies can be used:

  • Company checks should require two signatures, in this way more than one individual is aware of all the company’s disbursement.
  • Get an independent accountant to perform an audit on company financials. It need not be a certified audit and not to be done annually, but a biannual audit is a good idea.
  1. Crimes by Vendors Who Contract with the Company-

Not only crimes by employees but vendors also commit white-collar crimes in small businesses. A few scenarios of this crime are: A firm purchased a bulk order of pens from a company giving the pen at a lower price but later on after the delivery the company realizes the pens only have half ink. So, to prevent these crimes, the company can do the following:

  • Bring in fraud awareness programs for employees.
  • Develop a policy whereby the board approval is necessary before making the purchases, so that more company representatives are, asking questions about the new vendor.
  • Make a policy to whereby all new vendors are investigated before getting into a contract.

Environmental crime

 

  1. Strict Liability for Environmental Crimes-

Being a business owner, you are held liable for the crimes of another individual without the knowledge or intention of the crime. For instance, if a company X acquires a land and later finds out about the hazardous material underground, company X is responsible to clean it up. Now if company X hires company Z to clean the area and they throw it into the lake and disappears, then company X is exposed to criminal prosecution. So, make sure to check the companies before engaging for business.

  1. Be Truthful About the firm’s Finances-

During the times of recession, the small business has cash-flow problems, money is entering, clients have delayed payments due to their financial issues. So small business seeks loans and while presenting the finances of the firm, to stretch the truth they show fraudulent representation which is called cooking the books. So, make sure while making representations about the firm do not stretch the truth.