Business Professional 201802-001

4 Ways to Boost Productivity in Your Office

How do you boost productivity at work? While there are many ways to increase efficiency and get things done, one way is by making sure you have the right office supplies. The information below offers tips on how the right supplies can improve productivity in the workplace.

1. Use a Portable File Organizer

There are different methods for filing documents in an office. Some people prefer to go the color-coded route, while others prefer a simple alphabetical order system. Either way, it’s best to ensure you employ a system that allows you to easily access the files used most often. Sometimes this can be accomplished with a portable file organizer that’s maintained on your desk. This is an inexpensive product that can be purchased along with other office supplies.

2. Create an Urgent Folder

Imagine having a red urgent file on your desk. This is a file of things that must be accomplished before you leave for that day. Something as simple as a brightly colored file can help to ensure you get things done and stay on track. It’s the little things that can help you progress in your career and this is one of them. It’s not uncommon to end a workday only to discover that you didn’t complete an important task. A simple red folder can possibly prevent that from happening. Incidentally, this is why priority activities should be completed first thing in the morning. There is more information available at the Southwest Business Products website.

3. Toss Old Supplies

How much time is wasted clicking through old pens that don’t work? It’s common for ballpoint pens to dry up, yet remain on an office desk or inside of a drawer. It’s best to maintain a fresh supply of new pens available. If you’re not responsible for placing the order for office supplies, make sure you request quality pens that write well and last for decent amount of time.

4. Scan Documents Daily

If you don’t have a paperless office, it’s something you should think about developing. Why? Because having a paperless office means you’re able to access files from anywhere. This is perfect for companies with remote workers. It’s also great for increasing your productivity levels. If you’re scanning documents then you’ll likely need to have a shredder in your office to get rid of physical documents that are no longer needed. You can find an affordable shredder at most office supply stores. Once you go paperless, you’ll wonder why you didn’t do it sooner because it can make work much easier, while eliminating clutter.

Productivity is usually a priority for every business, as it should be. These tips can simplify everyday tasks so that you can focus on more important activities.

8 Questions to Ask A Mortgage Broker

Calling on the expertise of a mortgage broker will make it easier to get the right home loan for you and your family. Take the time to ask the following questions to ensure you understand everything about your mortgage.

1. What Home Loans are Available?

can typically find you any type of home loan available, but there are times the offerings of various lenders don’t include all kinds. Make sure you find out if you are getting the most comprehensive selection possible.

2. How Do I Qualify for a Home Loan?

Some types of home loan programs have specific qualifications you must meet in order to get the mortgage. Your credit score and ability to pay the loan back are essential elements of getting qualified.

3. Which Home Loan is Best for My Situation?

Your mortgage expert should be able to find the best type of home loan for your exact situation and level of qualifications. Find out about home loans that help with veterans, troubled credit, and other criteria. The CMS Mortgages website is a useful resource if you would like to learn more information.

4. What is the Difference between Prequalification and Preapproval?

Being prequalified to get a home loan is different from a preapproval. Being prequalified is the process of gathering basic information to determine which type of loan you qualify to get. Preapproval requires gathering the actual bank statements, other documentation, and credit retrieval to see if you are approved for a home loan.

5. What is the Amount I Can Borrow?

Your mortgage broker can help you through the process of getting a home loan approval that’s based on your ability to repay. You will be given the specific limit you can borrow after approval.

6. How Much Down Payment Do I Need?

The amount of down payment you need to purchase a home is generally 20% for a conventional loan. USDA and VA home loan programs can get you 100% financed. Other low-percentage down payment programs are available, such as an FHA loan.

7. What is the Interest and Annual Percentage Rate?

Each lender may offer a different interest and annual percentage rate for home mortgages. The interest is the percentage you pay for the actual loan. The annual percentage rate includes the closing costs with the loan.

8. What is My Home Loan Estimate?

Your home loan estimate will break down all the costs associated with the mortgage. It will show you the payment amount, fees, and terms to make you fully aware of where your money is going. Ask for an itemized breakdown if one is not immediately offered.

Always ask your mortgage professional when there are areas of a mortgage and the mortgage process you don’t understand.