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.

Gardening is an occupation for some and a hobby for others. A successful gardening project can be developed with the right tools. Are you looking for the right garden tools? Here are the top five gardening tools that help make gardening easy. Spades Shaped like a triangle and having a flat scoop-like base, spades are useful for digging, removing soil, and planting seeds. Without spades, there won't be any gardening as they are a necessity. They are especially great for potted plants. Digging Shovels Spades are handy for planting seeds and smaller plants, however, digging shovels are helpful if you're planting larger sized plants or rows of plants. Digging shovels can help dig up large rocks and cover more space compared to spades. For fine, detailed shoveling - use spades; for heavy, larger surface area gardening - use digging shovels. Leaf rakes With beautiful gardens comes efficient cleanup, and leaf rakes do just that. They help to smooth out the surface layers of dirt and soil. Besides this, you can use them to rake fallen leaves which are what they are primarily designed to do. Wide-faced rakes with long handles are the preferred choice amongst gardeners in terms of tools. Opt for steel over plastic if possible as they are much more durable. Garden hoe The garden hoe forms the backbone of good gardening. They are ideal for weeding, removing soil, dividing plant roots, shaping and edging plant beds, and much more. You can't really do gardening with just spades and digging shovels. A garden hoe is a must-have among other garden tools. Garden shears These are used for cutting grass, and shaping shrubs. Garden shears help you sculpt your garden the way you want. Ideal for landscaping and gardening projects, garden shears cut underbrush trees and ornamental plants. These five tools are must-haves for gardening projects. Be it making a plant bed or rows of seeds, or just cleaning up your garden, these tools help you get the job done. They are easy to maintain, can be used during all seasons.

The storm doors are sturdy doors that can withstand tough weather as well as look appealing. They are available in various sizes with different features to suit the requirements of various homes. Some of the storm doors come with flexible pet flaps with an opening to allow pets inside. The doors come with a magnetic bottom sweep that helps in protecting from harsh weather and drafts. The security panel comes with an option to keep the flap opening closed when not in use. The storm doors come with a tear-resistant screen which is stronger than the regular screens. This tear resistant screen keeps the house safe from insects and dust during harsh winds and storms. The durable metal frame helps in protecting the door from movements of the pets. The doors are designed with bottom expanders so that they close the sills and seal the spaces to stop the harsh winds and rain from entering the house. The storm doors help in protecting the house from harsh weather conditions and harmful insects.  The weather stripping helps in sealing the door from the harsh weather conditions. As these doors have to be attractive, these doors are designed so that the handles match the color of the frames. The inside lock feature protects the house from the theft and adds security to the house. The hinge locator holes provided in the door helps in fitting the door to any requirements of the entrance.  The easy installation makes it easy to install which can fit any requirements. The storm door comes with a lifetime warranty with mid view. The strong aluminum and steel frames provide durability and strength to the door. The glass door enables the residents of the house to have an outside view. These glass panels also allow the natural light inside the house which saves a lot of power. The overlapping edge helps in sealing the door to the maximum possibility which makes it strong and efficient.

Would it be a sin to label bedrooms as ‘the perfect recluse’ where we get rid of fatigue, heal our pain, and refresh our tired selves? If not, then we have every reason to convert our little rejuvenation room into a hub of pampering and luxury that we so rightfully deserve. Luxury bedding sets are the bases of a high-end bedroom. Here are some features of luxury bedding sets that explain why you must avail deals on them:

• Natural fabric

Luxury bedding sets have sheets made out of fine fabrics with a high thread count that ensure maximum comfort. Egyptian cotton, rare silks made of long, sensuous fibers, and velvet throws are ostentatious choices that not only pamper you but also aid your health. Many ordinary and affordable bedding sets are made with unnatural textiles and chemicals. Due to their limited availability, the price label on these fabric beddings can be exorbitant. Croscill bedding, however, offers deals on luxury bedding sets every now and then, thereby reducing the cost significantly.

• Sans chemicals

Ordinary bedding comes in an array of colors and prints, laced with chemical dyes and formaldehyde, which forms the base of all allergies and breathing problems. “No-iron" sheets and flame-resistant options are also provided these distinct characteristics with help of chemicals. Pesticides are used during the manufacturing process to get rid of mold, mites, and bedbugs. Majority of luxury bedding options come in two colors – white and ivory. This is because of their all-natural and chemical-free nature. If colorful, soft hues are dyed with organic vegetable dyes that are harmless to bedding fabric. Luxury fabrics like pure silk and cotton are anti-microbial, which prevent mold decay.

• Temperature control

Natural fabrics of luxury bedding sets make them breathable. With good air circulation around the body, your sleep tends to be more comfortable. During hot months, pure cotton and silk work wonders by pulling moisture from the body. This type of temperature and moisture regulation makes them good for the skin because trapped sweat can encourage bacterial growth. Good breathability of these bedding sets allows them to smell good. Madison Park bedding is a good place to score deals on luxury bedding sets.

A 30-year fixed mortgage rate is the rate of interest that stays stagnant throughout the tenure of the period. It is one of the most popular options for people opting for home mortgages. The main reasons why people preferred to lock-in good 30 years fixed mortgage rates are the good interest rates and their fixed nature and also the smaller payment monthly since the entire amount is distributed over a span of 30 years. The mortgage rates differ for different lenders. Following are the rates mentioned by the best providers: The rates may vary depending upon the performance of the market. So, check the website to get the best rates for that day.

• Wells Fargo The interest rate for a 30-year fixed mortgage is 4.25% while the Annual Percentage Rate (APR) is 4.695%. The 30-year fixed mortgage rates for Veterans Association are 4.500% interest rate and 4.808% for APR. The rates are dependent upon a few parameters namely single-family, primary residence, possession of an escrow account and a credit score of 740.

• Quicken Loans To get the best 30-year fixed mortgage rates of 4.56% interest rate and 4.834% APR, apply with Quicken Loans. The advantages of getting these rates with Quicken Loans are that you may make a prepayment without any penalty. Also, you can buy a home with as low as 3% down payment and up to 97% financing, depending upon your creditworthiness and eligibility.

The above rates will change depending upon your current financial situation and even as per the market. So, call up an executive to get the best rates suited to your case.

• JP Morgan Chase The 30-year fixed mortgage rates for Chase are 4.500% and the APR is 4.586%. These rates are not available in every state and are drawn out keeping in mind parameters such as single-family residence, down payment of 20%, excellent credit score, purchase loan and conforming loan amounts between $200,000 to $249,999.

• Bank of America The 30-year fixed mortgage rates are 4.375% and the APR offered by them is 4.595%. However, this depends on an excellent credit score of 740 or higher.

All the rates have different criteria and you can get a pre-approval done on any of the online portals to get the best rates for yourself.

Caregiving is not only a job; rather it is a service towards humanity. A caregiver can provide services to someone suffering from some kind of disability or an aged person unable to manage his or her daily chores. Here are some of the countries that recognized the importance of caregivers, most notably senior caregivers, and set up an example by regularizing caregiving services within their borders. Australia Australia has an association called Australian National Young Carers Action Team (ANYCAT). The team of 75,000 young carers advocates on behalf of young carers. Most Australian states have their own version of ANYCAT, such as the YCABQ a.k.a. Young Carers Action Board Queensland in Queensland. As per a recent study conducted by the University of Queensland, the combined Australian carers provide $13.2billion worth of free mental health support. As such, they are equivalent to 173,000 full-time mental health workers. Italy The country with the world's highest percentage of residents aged 65 or older is Italy. The nation has high life expectancy 76.7 years for males and 82.9 years for females. By 2050, these numbers are expected to grow to 81 years and 86 years for men and women respectively. In order to assist family caregivers, the Italian government provides many backing schemes, such as support services, service vouchers, and daytime centers, to provide support for families by offering recreation and rehabilitation to old people. Scotland According to a 2001 census, the total number of carers, including senior caregivers, in Scotland is well over 480,000. While 37% of these carers provide about 20 hours per week of care, 24% give over more than 50 hours of care in a single week. The Scotland government recognizes carers as partners in care provision. Unlike other nations, carers are not recognized as service users and hence, are not held responsible for the cost of services provided in Scotland. Taiwan Approximately 600,000 family caregivers are active in Taiwan. These caregivers spent an approximate time of 13.5 hours a day in caregiving. About 80 percent of the family caregivers in Taiwan are women, out of which 50 percent are over 50 years old. In order to aid these caregivers, the Taiwanese government has initiated a number of caregiving services. Since 1995, Taiwan National Health Insurance (NHI) has been providing quality healthcare to people, especially aged people. In 2007, the Taiwanese government started the Bureau of Health Promotion aimed at integrating and implementing resources, including caregiving, for elderly health promotion. United States of America Around 1.4million children, between ages 8 and 18, assume the role of a caregiver for an adult relative in the United States. As per the Caregiver statistics fact sheet of 2012, 43.5million family caregivers provide services to a person over 50 years. Approximately 14.9million caregivers are providing services to someone with Alzheimer's disease or some other form of dementia in the US. The number of male caregivers is increasing in the country. In some US states, in-classroom certification is required for licensing a caregiver, while in some other US states, the only caregiving license required is by the company providing caregiving services.