High Point Concrete Flooring Services

Plain concrete slabs have worked as the flooring material for basements,garages,patios,and utility areas for many years,but concrete is now also a viable material in modern Oak Ridge homes,where it may be found in polished,etched,or stained form on the floors of any room in your house.

To people used to thinking of concrete as a utilitarian surface suitable only for driveways,garages,and sidewalks,the various virtues of concrete as a flooring material may come as a surprise. You can’t scratch or dent a concrete floor.

Durability: Concrete flooring is extremely tough and resilient and has the ability to withstand the pressure from very heavy equipment,such as cars,trucks,forklifts,and stacked crates. That is why it is such a popular material for hard-working commercial areas,like garages and warehouses.

Durability also means that the material is difficult to damage. High heels,furniture legs,and pet claws will not scratch the surface. You also don’t have to think about damage from most dropped items. While it is possible to chip or scratch a concrete surface,you will generally have to work pretty hard to do so.

Easy maintenance: Keeping a concrete floor looking its best requires a minimum amount of maintenance. It will need to be sealed or waxed every 3 to 9 months,depending upon the level of traffic,so as to maintain the protective layer over its surface. Besides that,you can use a neutral cleaning agent to mop the floor clean periodically. A blue utility pad may be used for particularly stubborn stains.

Environmentally friendliness? In many cases,a concrete subfloor already exists beneath another flooring material in both on-grade and below-grade locations. That means that “installing” a concrete floor means just uninstalling whatever has been placed over it. Because no new material is produced,there is no carbon footprint or depletion of resources.

Versatility: Provided that the concrete is smooth and free from holes,bumps,and defects,you have the choice of installing any floor surface covering over it at a later date,should you choose– although may floorings will require an interim underlayment. Concrete floors allow you a lot of future design freedom.
Heated floors: For new construction or for concrete poured over an existing slab,you have the option to add radiant heating– electrical cables or hot water tubes embedded in the concrete to create warm,comfy floors.

Long-lasting: A sealed and properly maintained concrete floor can last indefinitely. Even in commercial applications,concrete can survive under high-traffic conditions for many decades. Over the long run,this can save you a considerable amount of money and effort over replacing flooring every few years.
Design flexibility: When most people consider concrete floors,they visualize ugly gray utilitarian surfaces with sharp bumpy textures. However modern advances in mixing and setting have allowed designers to achieve an almost endless variety of color and texture effects using this versatile material.
In many cases,coloration is mixed directly into the concrete before the slab is placed. For already-installed floors,you can acid-stain the surface,use an appropriate dye or staining agent,or paint over it with a waterproof latex paint.

The texture of the concrete may be made perfectly smooth during the installation process. Alternatively,decorative textural patterns can be molded into the surface while it is still setting. You also have the option of polishing the material to a smooth sheen or etching it to create a faux tile effect.If you have more questions about Oak Ridge concrete floors or their maintenance,please reach out to Concrete Maintenance & Solutions at (336) 462-5327 or visit https://www.cmsnc.us

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Debt Relief Grants For People With A DisabilityDebt Relief Grants For People With A Disability

Living with a handicapped or a disabled person takes a toll on the life and the finances of the person. With the sharp escalation of expenses,life becomes a difficult journey. It is because of this reason the amount of debt is increasing day by day as it is taking much of the expenses for the family members to take care of such an unfortunate person.

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The US Government understands the problem of these low-income groups and hence it has introduced federal debt relief grants for disabled. These grants are being distributed all across the country through different nonprofit organizations,local and state authorities,church and community agencies.

There are various benefits which government has introduced for the disabled citizens. The eligibility criteria vary from different factors such as date of disability,age of the person and level of income.

Debt settlement is a new method to debt relief for disabled. Under this program,a client can find a midway to come to terms with the creditor by reducing the amount which they owe and extending its timeline to pay off. Some of the benefits that the disabled people can get pertaining to debt relief are:

Lawful protection

In normal circumstances if a person defaults in paying off debts,the creditor can sue the person and get it settled through court. But in case of disabled,a creditor cannot do so. The creditor can still get it settled but cannot garnish it from social security,disability benefits or pensions.

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Government grants

There are many government grants pertaining to debt relief for disabled. Under Americans with Disability Act (ADA),candidates with both mental and physical disabilities are included. With Equal Employment Opportunity Commission there is a list of conditions that are applied for different kind of disabilities viz. deafness,blindness,mental retardation,autism,cancer,epilepsy,cerebral palsy,HIV and also schizophrenia.

There are even utility payments for the disabled to pay their regular bills and necessities of life. This way the unfortunate people can meet their daily payments and live a normal life.

There are telecommunications payments for the disabled which help them to maintain a consistent communication with the outer world. Under Communications Act of 1934,all the telecommunication companies ensure equivalent services for consumer with disabilities.

Alongside multiple technical provisions are being given and also protection is being given to those who exercise ADA rights from any kind of coercion and retaliation.

Debt relief grants for disabledare also one of those benefits which are being given to the handicapped and underprivileged mass. There are many local and state authorities which are disbursing payments to the families of these unfortunate people to meet their debts and credit card loans saving them from any kind of legal hassles.

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Smoothie Chain Open River North Location Near Short-Term Rental Buildings, Plans Loop LocationsSmoothie Chain Open River North Location Near Short-Term Rental Buildings, Plans Loop Locations

Real Good Juice Co., a smoothie and juice chain that first opened in 2014, have announced that they are rebranding with a new store in Chicago’s trendy River North neighborhood near AMLI River North.

After their 2014 debut in Old Town, Real Good Juice Co. has been looking to expand, and has finally found a new home in River North. While their Old Town location focuses mostly on smoothies and juices, the new River North location will be selling hot food such as grain bowls with salmon. Due to this change, the new store will be called Real Good Stuff Co.

The new location, at 701 N. Wells Street, is walking distance to many of Chicago’s office buildings and luxury short-term rental apartment complexes. Because of this, the store owners are anticipating a large amount of daily foot traffic and increased sales during lunchtime.

Real Good Stuff Co. founder Jon Schiff envisions the new store as a sort of “corner store food hall experience,” and says the company has been building towards this for a long time. In addition to the new River North location, Schiff aims to bring the new concept to two more Loop locations next year, with eventual plans to expand to nearby states like Wisconsin and Michigan. The proposed Loop locations would aim to capitalize on the area’s rich theater community and would be able to serve many of the temporary residents that come to Chicago to perform in Broadway musicals and plays.

On October 11, the date Schiff is aiming to open the new River North location of Real Good Stuff Co., be prepared to pick from a variety of food and drink options. Customers will have the choice between a hot bar, grain bowls, salads, Amish chicken, tofu or a “Snack Shack” that provides coffee, frozen yogurt and other tasty treats. Real Good Stuff Co. will have something for just about everyone, they say.

How are you taxed by umbrella companiesHow are you taxed by umbrella companies

Umbrella companies can make it more easy to handle your tax for a number of your contracts. When you use an umbrella company,you’re compensated via the PAYE system,like employees are. But how does this work,and how do the companies tax you? Here’s an explanation of how you are taxed by umbrella companies and what that means for you.

Tax Through PAYE

PAYE stands for pay as you earn,if you are not already aware. So once you use an umbrella company,you pay your tax as you earn instead of paying your tax in a lump sum following the tax season is finished. Throughout the system,you may pay your income tax and National Insurance contributions,assuming that you are earning enough. You will have a tax code that indicates to HMRC how much tax you should be paying. The thresholds for paying your taxes and thetax bands can change each year,so it’s always important to stay current.

Currently (2018),you’ll pay National Insurance contributions at 12% on earnings above #162 a week and 2 percent above #892 a week. The personal allowance for income tax is #11,850 with 20% paid on everything after up to #34,500,and 40 percent from #34,500 to #150,000.

Umbrella Company Expenses

Another aspect to consider is that you can claim some expenses. Chargeable expenses are those reimbursed recruitment agency or by your client. Other costs are non-chargeable,and the umbrella company will handle them when calculating your pay. Allowable expenses will be deducted from your income so thatyou don’t have to pay tax on them. If your contract with your client is deemed to be under the Supervision,Management and Control of your client,you can’t claim travel and subsistence expenses.

Calculating Your Pay

Your pay will be calculated once you have submitted timesheets into the umbrella company and recruitment agency or end client. As well as your taxes,the umbrella company will even minus your fee to the company and any other deductions,such as pension contributions and holiday pay.

Payslips

Your umbrella company should send you a payslip,which details any deductions,such as taxes. At the end of the tax season,they should also give you a P60 for your records too.

What About Umbrella Companies That Pay?

Some umbrella companies will tell you that you can keep the majority of your pay (up to 95 percent) and stillbe tax-compliant. Official advice from HMRC claims that this is a warning sign for non-compliant businesses. You should also look out for only a portion of your income going being compensated using a loan,credit or investment that the company says isn’t subject to tax,and your obligations being routed through other businesses. These could all be signs that the company isn’t paying your taxes so it’s important to watch out for them.

Umbrella businesses deal with your tax for you so thatyou don’t need to. You might pay a little more tax,but you get the benefits of becoming an employee.

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