Hank is a multi-generation Floridan whose grandparents moved to Florida nearly a hundred years ago. Due to his father’s career in the military, he has lived in many places across America and the world. In his adult life, he is a retired higher education administrator with a career spanning more than 30 years. He has worked extensively in community colleges, including being Chancellor and President of two different colleges. He also has a background in financial and strategic panning, real estate and investments.
Hank has held a Florida real estate license on and off for many years, but became fully active after he retired in 2017. He is also an active partner in a non-profit company, Provident Housing Solutions, building rental properties to support working families throughout Central Florida.
Hank and his wife live in Apopka. He is the father of three adult children who reside in Central and South Florida and is the proud grandfather of two grandchildren.
To learn more about the Michelle Chase team visit our website at https://michellechaserealtor.com.
Have you recently been in an auto accident? You may be surprised to learn about “automotive diminished value,” which is when cars lose value after being in a wreck. This could be attributed to anything from minor scratches to full structural damage. Either way, you may be entitled to compensation if the accident was the fault of someone else.
Some websites will offer a diminution in value calculator, but it is still a good idea to get your car appraised by your insurance company or a mechanic. They will be able to give you the most accurate assessment of damage. Compensation eligibility is based on many factors, such as the value of the car before the accident, quality of repairs, and extent of the damage.
If you decide to file a lawsuit against the responsible party after an accident, it is important to take certain precautionary measures because they can, and will, try to fight your claim. Here are some suggestions:
If you feel you have a credible claim for diminution in automobile value, it is highly advised that you retain a lawyer who can help you during the whole process. We recommend Brett M. Bressler Attorneys at Law, because they offer a free consultation and have over 27 years of experience handling these cases.
Our communication and interaction methods with the greater world continue to evolve with the advancements of new technology. Now we can stay in touch with people all over the world with a click of a finger, as well as being able to access the entirety of the online information database from our pockets. It is an unprecedented time of growth and change as new technologies and communication devices become more accessible for every day people.
The way in which we interact with global issues is also changing with these technology advancements. News and current affairs can now be shared and discussed in the online world. One particular mode of popular communication – social media – is utilizing this accessibility to information to share and distribute media articles and current world events.
This may not lead to greater understanding, however, as one study examined the instances of misinformation and confirmation bias in the sharing of these news articles online in various social media outlets. It was concluded that there were drastic trends of misinformation being spread across social media platforms. Among the results were reasons such as people interpreting and sharing events and articles based on their pre-existing opinions and beliefs – meaning they searched for particular terms and then shared these, rather than searching social media for both sides of the story. Also, when sharing what your friends have shared, this does not allow for a comprehensive view and access to information, as it was found that those who were connected online shared essentially the same information.
The implications of these findings are that what you see many not always be the whole story. It was also found that there are regular instances of fake news stories and facts floating around which people share and think to be true. It is advised to examine what it is you share, and fact check, in order to not spread ill-informed facts.
Social media has proven to be detrimental to you mental health in more than limiting your thought process. Instead, think about setting the phone down after a few minutes and getting in some exercise to build up your mental and physical health. Talk to a local chiropractor about building a healthy physical and dietary plan.
Whether your business is new, or in need or an innovation in technology, then a merchant account is the best things for your check out process of client and customers purchasing your goods or services. In basic terms, a merchant account is an account which allows a business to be able to accept e-check or credit card payments. In this day and age where more consumers carry less cash with them, then it is vital to be sure that your business is offering widespread access to your products by offering many payment types. Credit cards are fast becoming the number one choice for payment, and it is suspected that soon they will completely bypass the instances of cash being used.
In order to take advantage of this service, you need to apply to your bank by using your own business checking account that’s associated with you business tax ID. The business and merchant accounts actually stay separate, as the merchant account collects the transactions and the links the deposit to the checking account. You will need to provide various documents to set up the account, such as sales reports, financial records and business numbers.
You’ll need a terminal to accept the payments (if in person business is being conducted) or if online, you’ll need to set up a payment gateway for people to be directed to in the check out process.
There are a range of services and products available for this process, and depending on your business size and model of selling your product or service, then there will be many different processes to choose from. Take a look online at the wide range of professional services and products for merchant sales.
If you are looking for a trusted merchant services company contact: https://arxpay.com
No matter the area of life, we are all looking to save money where and when we can. There’s nothing like the feeling of landing a discount or knowing that you got a great deal, and when it comes to grocery shopping, small savings overtime can make a big difference in our overall expenses.
Here are some of the best grocery shopping tips for you to keep in mind to enjoy future savings in the long run.
Getting clear on what you need is one of the biggest ways to eliminate impulse buying and coming home with unnecessary goods. The very act of writing a list is no only helpful to refer to when shopping, but also can keep you accountable at the store when tossing up whether to get something or not – if there is no dire need, and you didn’t already list and budget for it, then don’t get it. Simple as that.
Come prepared by searching the catalogues and taking note of the advertisements for sales before you go shopping, to ensure that you know what you can get that will save you money. Also, if it is something that you know you will definitely use in the future, like toilet paper or toothpaste, then stocking up on items that you would otherwise buy at a regular price later on, will be a great way to save on future grocery bills/
For items that don’t need to be organic, or your favourite brand or of a higher quality – like sticky tape, napkins, simple canned goods – then opt for the generic brand. It’s nothing to be afraid of if there isn’t some fancy label or brand on it when you know your experience of the product won’t be affected.
Other money saving grocery tips include never shopping on an empty stomach, price matching from other stores, getting membership and rewards, and purchasing fresh produce from the local farmers market. Be creative, be prepared, and bask in the savings.
Spring Cleaning? Time To Get Kids Involved
The mutual feeling that spring-cleaning seems to bring to everyone is generally the same…. dread. Usually it is just the fact that the task is such a giant chore that putting it off as long as possible normally happens. What also normally happens is that you think your toddler is too young; your teenagers are too lazy, or at whatever age are just not interested in helping.
The way you approach the task of spring-cleaning to your kids might be the issue when it comes to their interest in the chore. A great way to make sure that your child is optimizing the most out of their cleaning time is to make sure to assign tasks that are age appropriate. These age appropriate tasks can become a tradition in your family encouraging your kids to accomplish more. Here are some more ideas that can motivate your kids to help cleaning more.
Dealing With Toddlers – Late Elementary School Ages
No, they are not too young to help. It is good to get them in a habit of helping from a young age. This might be obvious, but I have to point it out anyways: You are asking a toddler to help clean so please do not expect it to be anywhere near close to as well as you clean. In these circumstances involving toddlers you should pick areas, like the laundry room or garage, where it is okay when it not cleaned perfectly one time around.
If you need some ideas for how to get your toddler more involved then here is a few that are age appropriate:
Here are a few ideas for how to get your early grade school kids more involved with spring-cleaning:
At the end of the day, with this young of an age group, it is a good idea to offer rewards for your kids for helping out. This will lead to incentives to help out more in the future as well as give your children a sense of accomplishment.
In the world of business and retail, the advancements in technology devices are making the act of business transactions more efficient and accessible for customers and business owners. The advent of mobile device payment options have come into the forefront of retail sales procedures in a big way this decade. This allows customers to pay on the go with a smartphone, tablet, apple or android device. When devices are linked with the correct applications and accounts, this makes online mobile payments a breeze. For businesses deciding whether to utilised this form of payment, here are a few of the advantages of the use of this technology.
– Safe and secure: Your customers data for their accounts and cards will remain safe with special encryption during the transaction.
– Inventory: Upload pictures, add descriptions and access your inventory data quick and easy on a mobile device.
– Sales history: You can view and manage sales history in an easy, effective manner when people use online devices. You wont have to wait to settle totals as when it comes to the past electronic transaction process of Eftpos.
The real benefits of utilising new methods of mobile payment devices lie beyond just these examples – it’s all about the efficiency and ease of the purchasing experience for customers. When your business boasts the use of these innovative technologies, your company is seen as a reputable, modern and innovative business which will draw even more customers to your retail products or services. There are many devices out there for you to choose from, and you can find a great selection of the range online, as well as expert advice and tips for which device is right for you.
For more information on Mobile Payments contact ARX Payment Services: http://arxpay.com/
When you call on a roofing contractor in Orlando to perform roof maintenance one of the things they’ll do first is an inspection. They will look for all of the following. If you already know about some of this you can feel free to point it out.
* Are shingles broken or missing?
* Are shingles buckled?
* Is the roof coping broken or missing?
* Is there a pooling of water anywhere on the roof?
* Are there obvious signs of unprofessional repair jobs?
* Is fascia molded or rotted?
* Are there signs of water damage inside the house?
* Are there leaks around any sky lights inside the house?
* Is the seal around the sky light in working order?
* Are gutters clocked or in need of repair?
* Are trees too close to the roof?
* Is there debris on the roof?
* Are there signs of fungus, algae or mold growth on the roof?
Usually, your roof inspector will carry with them a clipboard to mark down anything wrong with the roof that they find. Then they will explain it to you thoroughly after their inspection often giving you a full report along with a bid of what it will cost to get it replaced or repaired and their opinion on whether an all out replacement or a repair is needed and why.
Together you and your professional roofer will discuss what can and should be done. If you’ve done your due diligence and checked out the professional roofing contractor in advance then you can usually trust them to know what is best. If you’re unsure you can always get a second opinion from a different contractor.
Some roofing contractors offer automatic yearly inspections of each roof they’ve installed, if you had a new roof installed be sure to ask about yearly inspections to keep the roof in good working order. Sometimes this is a very small price to pay to ensure that the roof is always in working order. Some of the repairs needed may even be covered under their warranty.
Be prepared with your warranty information, as well as realizing that not everything will be covered under the warranty. If damage happened due to a storm it’s important to call your insurance provider the moment you know. Some roofers offer post storm inspections immediately but you probably need to call your insurance provider to make sure that is covered and who they want you to use.
If you live in an area prone to inclimate and harsh weather especially rain, storms and snow you may need repairs more often, which has nothing to do with your 15 or 30 year roof warranty. The important thing is to be aware of the things that can damage your roof and have a plan in place to keep it in good repair. Whether that is asking a contractor to inspect and recommend repairs yearly, or whether you do it yourself.
Granite is a stone often used for countertops. It can resist scratches, burns and stains with the proper care. Quality cleaning products such as Marblelife Granite & Quartz Countertop Cleaner should be all you use to make your granite countertops look like new. Polishing and glossing shouldn’t be needed if your granite surface is properly cared for.
Polishing granite should only be done by trained professionals. The procedure is not like polishing your furniture. To polish granite, hard abrasives and friction are used with varying coarseness. Heat is also used in varying degrees. When the finish on your granite looks dull, it probably doesn’t need to be polished. Often a dull finish is caused by left-over residue. Using the wrong products to clean the surface such as common cleaning products, dish soaps, and oils can cause the finish to look dull.
Granite is a naturally porous stone. Its surface contains small pits and holes. Substances such as food, oils, and bacteria can get easily stuck in these areas. The trapped particles will cause the finish to look dull and can also become rancid and omit an odor. Proper maintenance and care, including conditioning if desired, can prevent this. A premier cleaning product such as Marblelife Granite and Quartz Countertop Cleaner can ensure your granite surface is properly cleaned. Basic cleaning product often leave a residue or can actually damage the surface. There are products that should never be used to clean your granite countertops. These include dish soap, alcohol, vinegar, common cleaners, multi-purpose cleaners, and plain water. To properly clean the surface spray with the Marblelife cleaning product, wipe up and buff dry using a microfiber towel. Buffing the surface ensures any remaining residue is completely removed. The finish on your countertop should look like new.
If there is a stain, clean the area, then spray the cleaner on the stain and let it sit for ten minutes. When the ten minutes are up, scrub the stained area with a tooth brush, buff dry with a microfiber towel. Another quick cleaning will ensure all the residue has been picked-up. Foods that can stain your granite finish include red sports drinks, red wine, ketchup, mustard, barbecue sauce, and coffee.
If you would like, now you can apply a conditioner. It’s important to apply a good quality product made for granite such as Marblelife Granite Countertop Gloss Conditioner. This conditioner is effective, odor-free, and safe to use. Applying a conditioner can make the finish of your granite countertop look wetter and can help bring out the natural richness of its colors. Not all granite can take conditioners. There are some granite products that are too dense and the gloss conditioner won’t work. To find out apply the product to your countertops. If there is a noticeable difference a gloss will work, if not you need only to clean your countertops to make your granite shine. With these few simple steps, using the right products including a gloss conditioner, will make your granite countertops look sleek and new.
If you find you need professional help, it is best to contact a professional stone craftsmen that can clean and polish the granite for you. MARBLELIFE of Los Angeles can help you bring your granite back to life.
To locate a stone care professional, contact Marblelife Of Los Angeles at 888-218-4616 or visit http://marblelife-losangeles.com for more information.
Credit scores are the most influential deciding factor in whether or not you get your loan, mortgage, lease or credit card. Many people may not think about their own credit score until it is too late, left wondering why they were knocked back. It is important to be aware of your financial behavior before you attempt to seek support. This will ensure confidence when you apply. Here are the top 5 tips on how to ensure a credit rating that will boost your chances of success:
Credit scorers take into account the types of your accounts, how long they’ve been open, the fluctuations in balance, your history of payments, and the current status of your accounts.
If you pay your credit card or debt bills each month, this will be a advantageous statistic to have in your account activity, revealing that you pay on-time and maintain a regular commitment.
If there are multiple instances of late repayments of debts, bills and overdrawn fees in your account, this will bode negatively on your score, as it shows a lack of ability to repay.
If you pay off the accounts and cards that have the highest interest rates first, then this will directly improve your overall score, whilst also cutting down fees and interests. The more credit that is closer to your limit, the more this will impact your overall score, so be sure to know how close you are to your limit so that you can catch it early.
A small installment loan is a great option to build credit scores. Simply, this loan is repaid over a period of time with scheduled payments. Having this in your financial history when applying for a larger loan is a perfect way to demonstrate that you are credit worthy in the regular repayments of the loan (even if repayments are very low).
It’s all about being finance savvy in staying on top of debts and repayments, and creating a financial portfolio that demonstrates your integrity and capability to repay.