The Importance Of Hiring Professional Security Guards

Many people seeking security for their homes or even businesses tend to consider the prices first and quality second. This has resulted in the contracting of unprofessional security guards or poor electronic security installations for their premises. Be it in the construction industry, malls or industrial premises, quality security services should be the first factor then look at the prices. A lot of individuals simply go for untrained, unkempt security guards picked from the villages to man very valuable assets and installations. This is the main source of insecurity since the guards are underpaid, untrained and are easily compromised. Below are some of the benefits of hiring professional security guards.1. Professional guards aid in loss reductionBusiness premises and even homes are attractive grounds for thieves and robbers. Some are very busy and demanding and need a good eye to oversee the security. Without adequate security, employees can easily pilfer goods and collude with the unprofessional security personnel to rip off the business. One may save on the monthly fee for the security service but the loss in terms of materials and goods can be unimaginable. It is very advisable to contract a reputable security firm with professional services and at favorable rates. One can get very good services from small firms that focus on training, supervision and customer care. In most cases, the big firms show lack of concern to clients when there is a problem. A professional guard will detect breaches in the security setup and will demand gate passes before allowing any exit of materials. With these measures in place, business loses will be reduced remarkably.2. Reduced insurance premiumsSome insurance companies require an assurance that good security measures have been put in place before they give a cover. This is a very good way to pay lower premiums while getting premise security at the same time. Be fully prepared before going to an insurer for a discussion.3. Minimized security guards supervisionDealing with private guards can be a tough task especially if the organization is busy. The best option is to outsource the service to professionals who will handle all the headache of personnel planning and deployment. These security companies will handle all the supervision and give you a report. Any new instructions and demands are simply directed to the security company and a smooth running of the security will be guaranteed as long as the security firm is run professionally and is in good contact with its clients.6. Competent response to all kinds emergenciesEvery premise has its share of risks and possible emergencies. With this in mind, everyone needs to have a professionally trained security guard to handle all the emergencies that may occur. And with the ever rising cases of robberies, terrorism and accidents, it is very important to have someone close who is experienced in emergency and first aid activities.7. They will go the extra mileWith a well trained and motivated security guard, your business will benefit a lot from the extra little services. The guard will handle customer care duties at the entrances and since they are the first point of contact with your customers, it is very important that you get a well dressed and groomed security guard. They will offer many types of assistance to the business or domestic setup.With all these benefits and many more, you need to get a professional security guard for the success of the business and safety of your home. There are some security companies out there, little known but very effective in service provision but at very good rates. Avoid the informal guards who have no training or professionalism. Spend a little more and gain the benefits.

Dogs Health Care – Give Your Pet a Healthy Pain-Free Life

There are heart problems, depression, dental issues and other problems associated with the health of our lovely companions so follow simple health regime to keep the problems away. Dogs health care is also essential as their health will directly affect your as well as your kid’s health. Therefore, learn the right methods of pet care and enjoy healthy mutual relation with the most trusted companion for years.Pet dental care: People often ignore pet dental care which is very important for the overall growth and health of dogs. Like humans, these pets are also vulnerable to teeth problems like tartar and plaque build up and periodontal diseases and hence, pet dental care is of great importance. The oral hygiene must be given priority from the very first day and remember there is never too early to start a health regime. Pet dental care begins with what your dog eats; always prefer dry foods than moist as moist food lacks in certain vitamins and can also promote the growth of bacteria.You can provide bones to your dogs to chew as it can naturally help your dog grow stronger teeth and keep the problems at bay. Besides, you can also use special dog brush and tooth-paste to clean the teeth of your pooch. If any of the dental problem persists even after intense care, then consult a veterinarian and follow what you are advised.In fact, some dog breeds are more prone to dental problem than others and hence, you must know in which category your dog can be placed so that you can enjoy a healthy relationship with your pet for several years to come.What else is included in dog health care: There are various stages of dog health care which is not only limited till pet dental care. You have to take care of your dog’s digestive system and overall fitness. Pets need daily physical exercise in one or other form to keep their digestive system functional and their heart working. Take the pet out for a walk and encourage it to perform activities that can keep them active. Apart from this, pet grooming is essential to keep the pets healthy and active. Take proper care of their eyes, ears, hair coat and other parts of body to avoid major health complications.There are various annual medicines and vaccination schemes available to keep the pets healthy, happy and active.

Commercial Stated Income Loans Vs Commercial Hard Money

Many borrowers that have “hair” on their potential commercial loan are forced to look at both the commercial stated income loan or the commercial hard money loan. Although both loans fit within the commercial “sub-prime” category, both fall into different niches. Neither option is ideal for the borrower, but either loan can be a viable option for borrowers that have been declined by traditional banks.What’s the difference?Commercial Stated Income Loans, as the name implies require less documentation than normal, and allow the borrower to essentially “state” their income and not provide tax returns. These loans are designed to be more of a long term hold for the borrower where as hard money is more short term. Fixed periods are typically 3-7 years (Can be as long as 30 years) and amortization periods are between 25-30 years. Prepayment penalties are stiff ranging from 5% for 5 years to 10% for 10 years.In addition, some stated income lenders require lock out periods for as long as 5 years. Currently (2008), rates range from 8.5% -13% with 1 – 2 points for the typical commercial stated income loan. On the positive side, loan to values on purchases can go up to 90% and up to 80% on refinances. Personal credit scores are very important with this loan program as well.Commercial Hard Money Loans in contrast, are designed to be more of short term solution as borrowers try to improve their situation. Lenders are very concerned with the borrowers exit strategies and want to be paid off within 6 -36 months. Rates are high at between 12%-16%, interest only, with 3-6 points on the front of the loan. Most hard money lenders do not have prepayment penalties – although a few do, they call them “exit fees”. Loan to values are a critical component, which are much lower with this program being typically capped at 50%-60%. Personal credit score are relevant but not as important as loan to value or the exit strategy.Which is the better option?Without oversimplify the situation, the borrowers loan to value, credit score and planned holding period, often decide this question for them. For example, if the borrower is attempting a cash out refinance at 75% loan to value, there are simply no hard money lenders that will fund that deal. The borrower would be forced to consider the Stated Income Loan. Another example would be if the borrower’s credit score was low at say 550. There are no stated income commercial lenders that would consider this transaction. However, many hard money lenders would still fund that deal if the rest of the details fall into line.If the borrower situation allows them to pick which route to go, the choice normally boils down to the expense of either loan. The rate and points are especially high with hard money, but the borrower can sell or refinance (once stabilized) the property without penalty in the near future. On the other hand the points and rate are lower with stated income but the prepayment penalties can be very expensive. If the borrower is planning on selling the property within the prepayment penalty period he should be very aware of this cost and be assured that the loan can afford it.