A lot of business, especially small businesses, prefer doing everything by themselves since they have budget restraints. Sometimes, the best thing to do would be to outsource a few tasks. The solution for this is a virtual office phone answering service. With such as service, a business replaces it full-time receptionist with a virtual receptionist(VR), by hiring the services of an outsourced firm that provides virtual office phone answering services. Generally, businesses have a few receptionists working for them and these receptionists cater to some different clients at the same time—all round the clock. A virtual office phone answering service has a lot of benefits that can help your business grow. Works round the clock You could have a client who is in another time zone calling your office at 11 pm in your time. But what if your office is already closed for the day? Do you miss the call? Being unavailable to a client at any point in time isn’t the best type of customer service. The point we are trying to make here is that unlike a full-time receptionist who works only from 9 am to 5 pm, a virtual office phone answering service works 24/7.  If you receive a business call at 6 am or 11 pm, your VR shall always be available to answer the call. This means that you do not miss out on any existing or potential clients. Professional The VRs hired from a service provider, you have outsourced your services to, are highly professional and well trained in taking calls, messages, virtual phone number forwarding, etc. Apart from this, a lot of them have access to some of your database and, hence, can answer any FAQs from customers. This means more customer satisfaction. And we all know, a satisfied customer almost always comes back. Cost cutting Hiring a virtual office phone answering service ensures that you pay your VR not even half of what you’d pay your full-time receptionist. Which means that the money you save can be utilized towards some other business targets you’d like to achieve.

The best cell phone plan deals seldom come easy. It can take careful research and extensive comparisons to create the best cell phone service plans that come with unlimited data mobile plans. With so many carriers offering competitive rates, it is not hard to customize a cell phone unlimited plan or even shop cell phone plans on a similar rate. There are various websites now available online that offer handy comparison tools for the customer to compare plans on. Although these tools are beneficial, it is important to go through the check out process and read everything in detail to make sure that you get the most accurate quotes on your cell phone unlimited plan. There are the moving target rates that are probably the prime consideration for most people, but one must keep in mind the network speed, the strength and the coverage the carrier offers, especially in areas the phones are expected to be used. There is no point paying for a top-notch plan when the carrier service provider does not offer services in the location you intend to use the plan at. It is a good idea to check out some websites that have compiled a survey of the strengths of each network provider’s coverage considered to be a major player in the region. For example, the fastest mobile networks analytics are a good place to begin at to analyze the network strengths of the most popular carriers. There are primarily two types of wireless phone plans that are designed to suit two groups of shoppers – the individual users and the group users, like in the cases of large families or corporate plans. The plans created for individuals are slightly more straightforward, although they too come with their own set of clauses and add ons that can get very confusing. In the case of group plans that are created for families sharing the services, the complexity of the plan can get worse. But on the bright side, it has often been noted that group plans often come with great discount options that can be availed by bundling the services together.

Life without a vacation can be tedious, unhappy and very dull. To find the energy to love your work and love your daily life, you need breaks now and then. And if you can zero in on a holiday package that combines everything right from the flight tickets to the hotel reservation, taking a vacation becomes quite easy. Whether it is the East Coast or the Western U.S, Southern U.S or the Midwest, the best vacation packages are always available. Whether you want a date on the beach with the sun and sand, or a clandestine affair with mouth-watering dishes, the following options would take care of it all. Choose a destination from this list offering top 10 vacation packages and get set to enjoy. Top 10 Vacation Spots: Las Vegas: The Sin City has more to offer than just casinos and bright lights. Las Vegas provides the best entertainment for everyone, so much so that you would not feel like leaving the place, but what happens in Vegas, stays in Vegas. It has the highest thrill rides and the best casinos to try your luck. The Red Rock Canyon and the Hoover Dam will impress you with their natural beauty. Los Angeles: The City of Angels is a place that would not let you down. If you crave for glamor and impressive sceneries, Los Angeles is the place for you. It is a major tourist attraction with Venice Beach, Universal Studios, Huntington Library and the list is endless. Grab a vacation package deal for endless fun. San Diego: America's finest city, San Diego offers Coronado's bone-white beaches. Hop into Balboa Park to visit the museum, or go for a hike in the Torrey Pines State Reserve.You can always choose best vacation packages to pre-plan and have a hassle-free trip. Palm Springs: If your heart desires pure relaxation, Palm Springs is the place for you. Palm Canyon Drive is the place to visit for restaurants serving yummy food, fabulous boutiques, and souvenir shops. New York: The packages available here are sure to beat the heart of a Broadway enthusiast. New York is a magical play between lights and sound. It is not just the Statue of Liberty that you would look up to with much admiration! Boston: Boston Common and Freedom Trail are a must stop to include in your Boston vacation package. If you are interested in heritage and tradition, this is the place. Atlanta: If you are a lover of the sea and sea animals, do not forget Georgia Aquarium. If interested in the rich history of Civil War, look for specific packages to learn more about it. Dallas: That the sky can be the limit is something you will realize when you visit Texas. To visit the best of Dallas-Fort Worth area or taste the best barbecue sauce, look out for the best packages. Detroit: Motor City is the pen-name of Detroit. Lake, automobiles, music and a history rich in music and cars are the things that will wow you here. Chicago: The Windy City welcomes you with pizzas and art illustrations. Bike trails and walking amidst the fountains are what makes the stay worthwhile. Opt for the destination you love and tick it off your bucket list now!

Every lady wishes to wear the perfect dress for every occasion. Finding a classy cocktail dress is not a cake walk and doing that while you are on a strict budget can be overwhelming.  To help you in your search, we have rounded up a series of online stores, where you can buy dresses in every style and size. Forever 21: The perfect online store to find just the kind of cocktail dress, that you have in mind for yourself. Trendy and inexpensive, they also carry straight and plus size options. When looking for something unique, you will find cool cuts, dressy gowns and inspired cocktail dresses women over 60. Showpo: Get value for every dollar you spend on dresses at Showpo. They are the stockists of a wide range of cocktail dresses, for those who are looking to make a statement on a rendezvous. It is all about having fun with fashion. This online retailer has fresh and saucy designs of cocktail dresses. Additionally, they have a 14 day returns policy. Also avail free shipping on orders over $ 50. Boohoo: Dress up to the tee for that special occasion. Boohoo has everything from maxi dresses to party dresses and prom dresses. They regularly update their collection, giving you a chance to choose from thousands of styles. The ultimate destination for cocktail dresses women over 60 who want to spin their wardrobe. You are sure to find a dress for your kind of style and size at Boohoo. Missguided: You name it, they have it. Shop for the most affordable and trendy dresses from the website of Missguided. LBDs, prom dresses, premium dresses and even plus sizes are easily available at this online shopping hub. Regular updates on the site ensure that no one has a dress similar to your cocktail dress. Pretty Little Thing: Wanting to look like a fashionista at affordable prices. Pretty Little Thing has designer dresses inspired from celebrity fashions. Don a style to suit every occasion. Styles are fun and wearable for women, who want to explore fashion without breaking the bank. ASOS: One cannot resist the temptation to buy a dress whether it is day wear or an evening wear, when you are at ASOS. They have a stunning collection of cocktail dresses that will make every woman look youthful, stylish and gorgeous even in their 60s. They accept payment in many currencies and have a 28-day return policy. Torrid: An American woman’s retail chain specialising in plus size fashion.Their boutique exclusively have a wide range of cocktail dresses, designed to fit the voluptuous women. An ideal site for those looking for latest in fashion, without paying designer prices. Nordstrom: Feel like a million dollar celebrity, without spending much and add more color to your wardrobe. Be sure to create a stir with their designer selection of cocktail dresses that ‘wow’. If you love clean lines, beautiful fabrics, and structured silhouettes, you will definitely love the cocktail dresses women over 60 available at Nordstrom. Shopbop: When searching for cocktail dresses women over 60 world adore , look no further. This premium online department store is the home of designer fashion gowns and cocktail dresses. They also have provision for free worldwide shipping on all orders over USD$100. You can browse through their selection of luxury brands at your convenience. Macy’s: Your destination for in-trend, hottest collection of cocktail dresses women over 60. You cannot go wrong and be sure to find the dress for yourself, if you are browsing through their site. Macy’s website is easy to navigate and they offer free shipping according to your minimum order. So, what is your favorite online site to buy cocktail dresses?

O'Reilly Auto Parts, headquartered in Springfield, Missouri is an American auto parts retailer. It sells aftermarket auto parts and tools in addition to supplying equipment and accessories. It sells to both professional automotive service providers as well as end users. O'Reilly Automotive, Inc. was established way back in 1957. It just started off as one store in Springfield, Missouri. Today it has 4,829 stores across 47 states including Alaska and Hawaii, employing over 74,000 staff members. It's net income stands upwards of $1,038 million and its net assets at upwards of $7.20 billion as of 2016. In 1993, this automative retail giant finished its first round of IPO (Initial Public Offering) and it now trades at NASDAQ market with the symbol ORLY. O'Reilly rose to be in the top 10 list of auto part retailers in United States after it acquired Hi/LO back in 1998. This acquisition marked a major milestone for the company as it added 182 stores in Texas and Louisiana as well as a distribution center in Houston. After its first acquisition, O'Reilly purchased Mid-State Automotive distributors, Inc. in 2001, Midwest Automotive Distributors, Inc. in 2005 and CSK Auto in 2008. It also announced its acquisition of VIP Parts in 2012 and Bond Auto Parts in 2016. David O'Reilly is the Chairman of the Board and Greg Hensley is the Chief Executive Officer of O'Reilly Auto Parts. Their catalog includes interior and exterior accessories, air conditioning, battery and accessories, engine parts and mounts, tire and wheel, waxes and washes, filters and PVC valves, brakes, belts and hoses, ignition and tune up, oil, fluids and chemicals among a variety of other product categories. They sell auto parts from hundreds of leading brands and manufacturers such as Mobil1, Castrol, Bosch, Gates, Fulton, Delta, Chroma, and Valvoline. The O'Reilly stores even recycle your old battery cores and used oil and filters. Then offer you a $10 gift card as a reward if you have an unbroken automative battery. They provide recycle services for free with a view to help the environment. O'Reilly provides an excellent customer service in addition to a range of services to make auto parts shopping a seamless experience. The company offers free shipping on most orders of $75 or more. You even get on a loyalty program and earn loyalty points every time you shop. You can sign up for free and start accumulating points as you buy. You will be sent a certificate of $5 as soon as you hit 150 points.

If your home has a little equity, or if you owe more mortgage than your what home is worth, then it can be difficult for you to find a lender to refinance. HARP can be a one-stop solution for borrowers who have never made late payments against their mortgages and have loans owned by Freddie Mac and Fannie. Home Affordable Refinance Program (HARP) was introduced in 2009 by the Federal Housing Finance Agency as a part of making homeownership affordable. It was introduced in 2009, and it enables borrowers with little or no equity to refinance into mortgages that are more affordable and do not require additional mortgage insurance. HARP specifically targets borrowers who have a loan-to-value ratio that is less than or equal to 80 percent, and those who have limited or no delinquencies over a period of the year prior to refinancing. There are significant changes made to the program since it was first introduced. The requirements for property appraisal were waived under certain circumstances and risk fees for borrowers who selected shorter amortization, i.e., spreading payments over multiple periods, were eliminated. Without requiring a minimum credit score, HARP lets you acquire mortgages with very low interest rates and change from adjustable to fixed-rate mortgages. Once you qualify to refinance your home loan through HARP, you will go through a series of applications approval and closing process on your current mortgage. Outlined below are steps that will help you determine if the refinance program meets your specific needs. Here are steps to get started. Step 1 Gather all your financial information such as mortgage statements such as second mortgage and your income details. Step 2 Once you have gathered all your financial documentation, contact your mortgage company to check whether they have an approved HARP lender. Your lender might already have your loan file since you are their current customer. However, you might be asked to provide necessary information to verify the current source of income. Once you have gathered all the information from your mortgage company, contact a HARP lender. You will find a list of approved HARP lenders on the official website. These lenders will help you determine if you are eligible for HARP. Step 3 Once you have been approved, go through the application and closing process. If a lender says you are not eligible for a refinance, contact a HARP specialist to find other ways that can make you eligible for a HARP refinance program.