Tierra Portfolio Services business,computer,software I.T. Service Offering: Meeting Your Technology Needs

I.T. Service Offering: Meeting Your Technology Needs

June 24, 2023June 24, 2023| TuyetTuyet| 0 Comment| 12:00 am
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In today's fast-paced business environment, technology plays a critical role in driving success and growth. Whether you are a small business owner or the CTO of a large corporation, having reliable I.T. services and support is essential to stay competitive in your industry.

https://www.aegismanagedit.com/what-are-it-service-offerings

Our I.T. Service Offerings

Managed Services

Our Managed I.T. services provide proactive maintenance and support for your entire technology infrastructure. Our team of experts will monitor your systems 24/7, identify and resolve issues before they become problems, and ensure that your technology is always up-to-date and secure.

Cloud Services

The cloud offers numerous benefits to businesses of all sizes, including increased flexibility, scalability, and cost savings. Our cloud services include everything from data storage and backup to software applications and virtual servers.

Network Design & Implementation

A well-designed network is critical to the success of any modern business. We offer comprehensive network design services that take into account your unique needs and goals. From initial planning through implementation and ongoing support, we will ensure that your network is optimized for maximum performance.

Cybersecurity & Compliance

The threat of cyber attacks continues to grow each year, making cybersecurity a top priority for businesses across all industries. We offer comprehensive cybersecurity solutions designed to protect your business from malicious activity while ensuring compliance with industry regulations.

Contact Us Today To Learn More!

No matter what type of I.T. service you need, our team has the expertise and experience to deliver the solutions you need to succeed. contact us today to learn more about our services and how we can help your business thrive in the digital age.

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Managed IT BarreManaged IT Barre

August 19, 2023August 19, 2023| TuyetTuyet| 0 Comment| 12:00 am

It can be difficult to maintain a company’s IT system. Companies that don’t have IT specialists on staff risk losing important information or experiencing system downtime.

Managed IT Services provide a solution that is scalable to this problem. Businesses can save money if they supplement their internal IT departments by third-party experts.

Posture Improvement

Barre workouts strengthen the muscles of your back and shoulders. This will help to reduce back pain and improve posture. It can also decrease the risk of injury in other workouts. The benefits of good posture and alignment include weight loss,digestion and overall health.

Barre exercises and stretches build strength by engaging muscle groups through small movements and isometric contractions. This results in lean muscle mass and improves your body’s resting metabolic rate,helping you burn more calories even after your workout is over.

In addition to working major muscle groups,barre often requires you to move multiple joints at once — for example,moving your legs,arms and core. It improves your balance,coordination,and helps you develop a stronger connection between mind and body. The increased awareness you gain through this type of exercise can translate to more mindful eating habits and better control over your diet.

Strengthened Core

Barre workouts,which are low-impact and incorporate movements from yoga,Pilates and ballet,can strengthen your whole body. The workout is also fun and engaging,so you don’t get bored. This workout uses iso-holds,which are short static contractions to keep muscles in place. It also includes small ranges of movement exercises that target the muscles that build strength and burn calories.

Barre workouts help you increase your muscular endurance,which allows you to exercise longer and harder. This also helps to prevent injuries.

Managed IT Services provide 24/7 technical support,ensuring your networks are secure,safe and optimized. All for a fixed,affordable monthly fee. It frees internal IT resources to focus on the most important thing – running your company.

Reduced Back Pain

Your business should not have to pay a heavy price for technology. Infradapt can manage your IT barre hardware,software,and services in Wilkes-Barre for a fixed monthly fee.

ClubReady is the single platform built to strengthen your barre business without adding extra bulk and systems you don’t need. Optimize member engagement and streamline operations,from lead nurturing to payments to back office automation.

Real-time reports include conversions from first visits,membership growth and new member growth.

Improved Circulation

It’s not acceptable that firms experience prolonged or unexpected downtimes in a world of technology. Managed IT Services relieve business owners of the burden and allow them to focus on their businesses.

Managed IT service providers use specialized software to ensure that existing IT infrastructures are properly maintained,and that new technologies are compatible. It also helps companies uphold prevalent industry norms regarding data privacy and security.

Managed IT support services are ideal for SMEs that need modern technology access but do not have the budget to pay for an in-house team of IT professionals. These services are also helpful for mid-market and enterprise level firms that want to reduce their risks.

Discover IT solutions that enhance your computer systems,cyber security,and overall IT stack from a trusted local Barre managed IT company. For a fixed monthly price,you can get the technical support that will help you succeed and remain competitive.

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Land Loans: Everything You Need To KnowLand Loans: Everything You Need To Know

March 20, 2024March 20, 2024| Rebecca RamosRebecca Ramos| 0 Comment| 12:00 am

What is a Land Loan? 

A land loan, also known as a plot or lot loan, is a Financial option allowing individuals to purchase a piece of land using credit. This type of loan is suitable for those who intend to acquire land without immediate construction plans. It’s important to note that land loans differ from home loans or construction loans. It can be used for both residential and business purposes.

Types of Land Loans 

Land loans can be categorized based on the level of land development. Each type of land loan necessitates distinct preparations to convince lenders to provide financing. Let’s explore the different types:

  • LOAN FOR UNDEVELOPED LAND (RAW LAND LOAN) 
    • Undeveloped land refers to properties without road access, water supply, electricity, or sewer lines, rendering the land unsuitable for immediate construction. While raw land is the most economical option for purchase, it also requires higher down payments and interest rates to secure a loan. The Federal Deposit Insurance Corp. (FDIC) sets a minimum down payment of 35% for undeveloped land. Additionally, to obtain a raw land loan, you’ll need a well-structured and detailed plan for the land’s development to convince lenders that it represents a calculated risk.
  • LOAN FOR SEMI-DEVELOPED LAND (UNIMPROVED LAND LOAN) 
    • Semi-developed or unimproved land typically possesses some basic infrastructure, although it may need more amenities such as phone boxes, natural gas, or electric meters. Financing a loan for unimproved land is less risky than undeveloped land but still requires a rigorous process. The FDIC’s minimum down payment standard for unimproved land is 25%.
  • LOAN FOR DEVELOPED LAND (IMPROVED LAND LOAN) 
    • Developed lands, often called lots, come with access roads and all the necessary utilities for residential construction. Although improved lots are more expensive, they tend to have comparatively lower land loan interest rates. Lenders are also more inclined to finance this type of loan, with the FDIC setting the minimum down payment for improved land loans at 15%.

image of draft of a house on raw land purchased with a raw land loan

Advantages of Taking a Land Loan 

Land loans offer several advantages for individuals who need more time to build on their purchased land. These advantages include:

  1. Flexibility: Land loans provide the flexibility to secure land for its potential, such as in areas with upcoming business opportunities or future development. You can hold the land until the timing is right for your construction project.
  2. “Blank Canvas”: Acquiring land before any construction allows you to start with a “blank canvas.” You can envision and create your dream home or commercial space according to your preferences and needs.
  3. Transition to Construction Loan: When you’re ready to build, your land loan can be seamlessly integrated with a construction loan to finance the land purchase and construction costs. Ultimately, this can transform your land loan into a standard mortgage when you’re ready to move in.

Disadvantages of Taking a Land Loan 

Despite the advantages, land loans come with certain disadvantages, mainly due to the higher risks involved:

  1. Limited Lender Options: Lenders for land loans can be limited in number due to the inherent risks, which may limit your choices when selecting a lender.
  2. Stricter Qualifications: To secure a land loan, you must meet more stringent qualifications than a standard mortgage.
  3. Higher Down Payments and Interest Rates: Land loans have higher down payment and interest rates than traditional mortgages. These additional costs are a result of the higher risks faced by lenders.

To mitigate these disadvantages, having a well-defined construction plan, including a set timeline and cost estimates, can increase your loan approval chances, is essential.

Land Loan vs. Other Land-Buying Options 

If you encounter difficulties meeting land loan qualifications, alternative methods exist to finance your land purchase. Some options cater to home-building purposes, while others are designed for commercial space.

  • SELLER-FINANCING 
    • Seller financing is where the seller acts as your lender in a land contract. This arrangement can be more flexible and suitable for those who may not meet traditional bank loan requirements. It’s essential, however, to engage an attorney to review the land contract to ensure clarity and prevent potential gray areas or loopholes.
  • HOME EQUITY LOAN 
    • Another method for purchasing land is through a home equity loan, where you receive a lower interest rate against your home’s equity. It’s important to note that defaulting on this type of loan could lead to the risk of losing your home.
  • HOME EQUITY LINES OF CREDIT
    • Home Equity Lines of Credit (HELOCs) provide a flexible way to access funds over a specified timeframe using your home’s equity. You can use a HELOC as a down payment for a land loan and repay the HELOC amount and interest.
  • USDA LOAN 
    • The USDA offers a land and construction loan designed for low to moderate-income families planning to build a home in a qualified rural area. This option can particularly benefit those seeking a more affordable land and home construction path.
  • SBA LOAN 
    • Small Business Administration (SBA) loans are available to assist small business owners in financing raw land and construction costs for commercial buildings. The SBA 504 loan program provides fixed-rate financing with a 10% down payment, 40% loan financing through the Certified Development Loan, and 50% provided by a bank or credit union.
  • PERSONAL LOAN 
    • A personal loan can also finance your land purchase. While this approach can offer flexibility, it can have higher interest rates. You may also need to compare its shorter repayment periods with the rest.

Looking for a Land Loan? 

Securing a land loan can be more challenging than obtaining a standard mortgage. However, you can increase your chances of approval with proper preparation. A credit union consultant specializing in land financing can provide significant assistance in navigating the process and ensuring your specific needs are met when purchasing land. Explore your options and receive expert guidance by scheduling an appointment with us today.

Canopy Credit Union

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Balancing Work and Life: Strategies for Achieving Work-Life IntegrationBalancing Work and Life: Strategies for Achieving Work-Life Integration

January 14, 2024January 14, 2024| TuyetTuyet| 0 Comment| 12:00 am

The old saying that goes,”All work and no play makes Jack a dull boy,” expresses the necessity of balancing our private lives and career responsibilities. We live in a hectic world,where one might fear that once they stop working and decide to rest,more debt and obligations trample upon them. Some feel that doing other things apart from work is equivalent to loss of money,while others fear that the world will leave them behind as it is fast-paced and increasingly changing. But there are better ways to approach your professional responsibilities and private life than this. You need to change your mindset and adopt the right strategies. Take,for instance,Grant Kelley,the renowned Australian-born Business expert and entrepreneur. He has perfected the art of work-life balance,and in this article,we will be learning a few Techniques from him. These techniques will help you strike a healthy balance and enjoy optimal work-life integration.

1.Redefining Work-Life Balance: 

Beginning our journey towards integrating our private lives with our work lives must involve redefining the conventional concept of work-life balance. It would be best if you did not view your work and personal life as distinct entities but as areas of your lives that cannot exist without another. Therefore,don’t marginalize your time,but target an all-encompassing strategy that allows you to incorporate your work and personal responsibilities. 

2.Make your preferences clear.

To achieve a work-life balance,you must declare and begin with activities or engagements that you prefer and are the most important. Assign the required time and energy from the most selected activities to the least. This approach will help you save a lot of time for your personal life if you are the kind that often gets too busy with work. 

3.Don’t allow people to cross your boundaries. 

When people see that you are always a ‘yes’ kind of person,they can use you to achieve their respective aims,but you will not have the opportunity to attend to your responsibilities and enjoy your leisure. By setting boundaries,such as limiting the time to receive phone calls during the day or only offering to handle another one’s concerns at your own scheduled time,you indirectly communicate to those who are always likely to border you in your no-go area.

4.Be Adaptable

When it comes to being adaptable,it means utilizing alternate means or tools at work and during leisure to deliver the same outcome. For instance,if your career okays working from home,you should learn to perfect yourself in it to maintain efficiency in the workplace irrespective of your geographical location. Furthermore,since you can work from home,it will be easier for you to attend to your personal life even as you are working,thereby integrating your profession with your personal life.

Conclusion

The journey to finding a balance between work and your private life is continuous and requires deliberate effort and dedication. Remember that the benefits surrounding you once you strike a proportion are significant,including prosperity in businesses like Grant Kelley. 

For more information: Grant Kelley

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