Is Your Workplace an Obstacle to Your Good Health and Fitness?

Do you have cake for colleagues’ birthdays? Vending machines in your break room? Cookies at staff meetings? Did you know that between one-third and one-half of Americans working today are in jobs where they are sitting for most of the day? With unhealthy foods and lack of activity, your workplace may be an unexpected obstacle to your health and fitness.When I started teaching at Rutgers University in 1995 there were three options for lunch within a 5-minute walk from my office on campus: Pizza Hut, Dunkin’ Donuts, and a vending machine. To compensate for my pizza and doughnut diet in those early years, I started working-out at the gym on campus. My workplace gym ritual didn’t last long. All too frequently (usually at the very moment I was struggling under an embarrassingly-light bench press), a student from one of my classes would say “hey professor — is that you?” with a smirk. The day I heard “hey Prof, do you need a spot?” marked the end of my workplace work-outs.What are your challenges to healthy behaviors at work? Nationwide Better Health, a subsidiary of Nationwide, conducted a survey of American workers on their workplace eating habits and physical activity. Their study revealed that 72% report eating an unhealthy snack more than once per week at work (13% snacking on unhealthy food at work 5 or more times each week). Only 42% of those surveyed reported that their company offered healthy food options. (I am happy to report that my workplace did add a deli with healthy food options next to the pizza and doughnuts.)Are you searching for ways to improve your workplace eating habits and level of physical activity? If you would like to read more about the steps you can take toward better health and fitness at work, I’d recommend reading the two-page article from Nationwide Better Health Survey entitled “Source or solution?: The workplace’s role in an unhealthy lifestyle”.

Online Chicago style writing services

Sometimes students normally find it hard to format their papers using the formatting style that the teacher has requested. One of this formatting style includes Chicago style. Teachers usually expect to receive papers that have been formatted properly according to what they have asked. Writing of Chicago style papers usually takes two forms. The first form includes writing of the papers using the bibliography and note system and the second include writing using the author date system. When writing Chicago style papers the nature of the style of the sources being used normally serve extremely well in determining the style that the student will prefer over the other style.

Writing Chicago style papers is usually easy; however, some students mostly find it hard when it comes to putting footnotes and end-notes. No matter the many years the student might have in writing Chicago style papers, they usually have doubt if they are doing what is right. In order to avoid the doubt, most students decide to seek form assistance from professionals who have experience in writing Chicago style papers. Chicago style writing company has experience writers who are professionals in writing Chicago style papers. These are writers who have qualities like no other in writing academic papers using Chicago style. In order to have remarkable class performance, students should buy Chicago style papers from this company.

Expert writers

Chicago style papers are usually written by writers who have received training and they are experienced in writing papers from any level of education. The writers ensure that the papers are written based on the standards of customer. Before they can start writing the papers, they have to make sure that it is assigned to that the writer who is an expert in that field. Chicago style papers writers possess the right skills in formatting Chicago style papers. The writers are specialized in numerous academic fields, which make it possible for them to serve the requirements and needs of all the students in different countries in the globe. The writers have gained unmatched experience because this is a company that has been operational for a while. Chicago style papers writers are aware of the different academic requirements by different learning institutions. Therefore, they have to ensure that the papers that they sell to the students have to be accepted by the lecturers.

High quality papers

All Chicago style papers have to be written according to the instructions that the writers have requested. This ensures that they meet the standard of the customer and that of the instructor. All Chicago style papers are normally written using proper grammar and have no language errors. The writers also check for plagiarism using the plagiarism software to check for any traces of plagiarized materials. This ensures that the papers are original. There is also a panel of editors who ensure that the proof read the papers so that to make sure that the writers clearly followed the customer’s instructions and the paper does not have language or grammar error.
Students who have the problem with writing Chicago style papers can contact with the writers in this company and buy Chicago style paper written following their instructions. The prices of this papers are affordable, and any student can manage the budget the also be able to, meet their daily needs.

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Paying Utilities For REO Properties

I Want to List REO’s, but How Much will it Cost?I’ve written in the past about how to list REO’s for banks, but what many agents overlook are the related expenses that go along with carrying many REO listings.Listing REO’s can be very rewarding, but many agents neglect to plan ahead and understand that they will be paying utilities for REO properties that they have listed.This HUB will detail exactly what you can expect and give you some tricks and tips on how to not get in over your head as you start paying utilities for REO properties.What Types of Bills WIll I have to Pay for My REO Listings?Read this twice: It’s not just utilities and its not just while you have the REO property listed!It is incredibly important to understand the lifestyle of a REO listing as you start to budget paying utilities for REO properties. Most REO listings start out as “an assignment.” This means that the bank or asset manager have decided that you will list the property. However, many times the property is in no condition to be listed.To get the assignment ready to be put on the market, you may have to have one or more of the following services performed:
Trash Out (all debris, junk and left over belongings removed and hauled away)
Cleaning
Water shut off / Winterization
Pipe Repair
Lawn / Snow MaintenanceObviously these services are not free. What many agents fail to realize is that the banks expect you to pay for these services up front. Yes they will reimburse you, but it can take anywhere from 30 to 120 days.Once the REO Property Becomes a Listing…Once your REO assignment becomes a listing, most of the major costs have been paid for (trash outs, pipe repair, etc). Hopefully your client will reimburse you quickly.Now is when you need to make sure you are current on the REO listing’s gas, water and electric bill. In colder climates, If the heat gets turned off, the pipes will freeze and your home will never sell. If you have no electricity, buyers can’t view the home.Also, don’t forget that if you don’t stay current paying utilities for REO properties, they can become a lien on the home. If there is a lien on a REO listing that you are trying to sell, it can delay a closing substantially. That means you’re waiting even longer for your money.Tips for Paying Utilities for REO PropertiesNow that I’ve scared you out of the business, let me try and give you some tips for paying utilities for REO properties. This could save you thousands of dollars and help you avoid the huge cash drain that getting into the REO business can create.

Know Your Contractors: I can not stress this enough. If you have a good relationship with your services you can save a substantial amount of money for the services. If your contractors know they will get all of your business, their rates will be lower. If their rates are lower, you have less money that you are waiting to be reimbursed for.

Negotiate with Your Contractors: As you get into this business, you’ll be contacted by many service providers in every industry trying to earn your business. That’s great for your cash flow situation! Set up agreements with them that you will pay them immediately AFTER THE BANK SENDS YOU A CHECK. Even if its only $100, once you get up to 30 or 40 listings, that money adds up. If they won’t wait for the bank to pay you, offer to pay them half up front and half once you are reimbursed. As you get started listing REO’s and paying utilities for REO properties, don’t make the mistake of thinking you can carry the costs because “it’s only one listing.” Take a long term approach and think about every transaction multiplied by 40 listings.

Talk to your local bank: Many banks will be more apt to make a small business loan if you explain that the money will only be used for paying utilities for REO properties. If you can show them your client list, many banks will take that into consideration when factoring in risks. When they are lending against big name lending institutions and know that you will be reimbursed, its much easier for them to justify loaning you the money than if you were using it for marketing or business expansion.
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