Expanding your business has its own unique needs since the owner has to invest a sizeable amount in advertizing. This leaves little amount for meeting expenses in case the floor area of business premises is to be increased. It is in these situations that the concept of virtual office phone comes in play. The virtual office phone service offers facilities as call forwarding, call scheduling and use of new toll-free numbers associated with the company. This gives a basic idea to the service providers that the business is in the expansion phase and as an end user you will be able to handle business from multiple ends, all thanks to the virtual office phone service which you have availed. Virtual office phone also has other added advantages since it is dedicated for users who need their own phone systems without even having a dedicated phone system at the project or business site. Virtual office phone service has become extremely successful with small businessmen since they are inexpensive and easy to use. These phones are handy for businesses that are always on the move since they can keep in touch with their customers. Business owners can be in touch with their workers from remote locations as well. In addition to the regular services which any virtual office phone offers, the users can also avail use of PBX features as call screening and call forwarding. Shared lines, professional greetings and use of facilities as SMS and E-Fax also become a reality with virtual office phone. People who tend to use email services over virtual office phone facilities tend to lose sizeable business as it takes away the professionalism of the business. With virtual office phone by your side, the visible benefits will be evident in less time. The time saved in turn can be utilized for increasing the reach of the business and connecting with more clients. Virtual office phone is a reality and as a small business owner if you are thinking about expanding the business, having a virtual business phone is the first step towards success in the endeavor.

Who knew there would be taxes at the time of death also? These taxes, known by various names such as inheritances taxes, estate taxes, etc. and are collectively known as death taxes'. Morbid, eh? While at first glance, inheritance and estate tax might appear to be the same thing after all they are both collected as the result of someone's death. However, the basic difference is that while estate taxes are assessed by the overall value of the deceased's estate (including gifts given to beneficiaries), inheritance taxes apply to an individual's bequest of any gift or property which literally means each and every kind of inheritance. So, while the decedent's estate pays the estate tax, it's the beneficiary who pays the inheritance tax. As of 2017, the six states of Iowa, Kentucky, Maryland, Nebraska, New Jersey and Pennsylvania only collect inheritance taxes, and there is no Federal Inheritance Tax at work. How does an inheritance tax work? Spouses and domestic partners While spouses of the deceased (who are surviving) are exempt in all six states levying inheritance tax, NJ also exempts any surviving domestic or registered civil union partners. Children or parents When it comes to family and children, things get a little more complex. In certain states, such as Kentucky children (both daughter and sons) as well as parents are exempt from inheritance tax. Usually, they are required to pay the least inheritance tax percentage in the states in which they aren't exempt, and are given more liberal dollar exemptions, which essentially are certain money they could inherit, after which the tax is levied on the rest of the amount. On the other hand, in New Jersey, siblings can inherit $25,000 tax-free, while no exemption is granted to an unrelated person. Here are a few factors related to inheritance tax that you should know of.

• The term descendants stands for children or grandchildren.
• A minimum amount of tax rates apply for the closely related family members who don't aren't exempted from the tax.
• The tax rates are the highest for the unrelated individuals or organizations (excluding charitable establishments).
• Nebraska (1%-18%), Kentucky (6%-16%) and New Jersey (11% - 16%)has the maximum tax rate.
• Iowa has zero inheritance tax on beneficiaries who receive basic estates with a property worth less than $25,000.
• In all the 6 states, spouses are exempt from the inheritance tax.
• Nebraska and Pennsylvania are the only two states, where descendants don't receive exemption from the inheritance tax.

A business credit card is a card which can be used for fulfilling the financial requirements of your business as opposed to personal use. Banks and credit card providers have various options for businesses of all sizes. Read on to know more about the top business credit cards of this year. The best business credit cards are as follows: CitiBusiness^® /AAdvantage^® Platinum Select^® World Mastercard The annual fee for this card is $99, which is waived off for the first year if the eligibility criteria are met. The APR on this card varies from 17.49% to 25.49%. The rate is dependent upon your creditworthiness. It is one of the best business credit cards and has a great offer of 70,000 miles of travel if you spend $4,000 in the first four months of getting the card. Bank of America^® Business Advantage Travel Rewards World Mastercard^® credit card It is one of the best business credit cards for businesses wherein there is a lot of travel involved. It comes with an offer of 0% APR for the first nine billing cycles, and after that, the rate of APR increases to a reasonable varying rate between 12.99% and 22.99%. The last option you can consider for the same is SimplyCash^® Plus Business Credit Card from American Express. If you have an immediate need and you feel that your business has ticked all the checkpoints of the eligibility criteria, then the following are the best options for business credit cards with instant approval. Top three instant approval business credit cards You can consider the following options for instant approval.

• Capital One Spark Classic For Business
• Bank of America® Business Advantage Cash Rewards Mastercard®
• Milestone® Gold Mastercard®

Top three small business credit cards If you are running a small business, do not worry. Here are the best options for you when it comes to small business credit cards.

• Ink Business Preferred℠ Credit Card
• The Business Gold Rewards Card from American Express OPEN
• Capital One® Spark® Miles for Business

You would need to start by gauging the use of a credit card for your business. After this, you may consider the APR, the rates, the benefits as well as the deal you are getting from the provider. Then you may finalize the one you like from the list of best business credit cards mentioned above.

It has been observed that those who have schizophrenia, a chronic psychological illness, usually have diets that are unhealthy, low in fiber and fruit, and high in saturated fats. Unhealthy eating habits typically lead to other health problems which can also put people with schizophrenia at high risk for diabetes, cardiovascular disease, and more. According to research, dietary changes do really help manage schizophrenia. Here are some best and worst foods for schizophrenia.

Foods to eat

• Fruits
  Many studies show that people with schizophrenia usually do not get enough fiber, and thus, need to eat fruits. Some of the best sources of fiber are apples, pears, and raspberries. Fiber not only helps reduce bad cholesterol but also helps in digestion, thereby reducing the chances of certain health problems associated with schizophrenia such as obesity, diabetes, and heart disease.
• Vegetables
  Vegetables don’t have heart-heavy cholesterol, are packed with essential vitamins and fiber, and are low in calories and fat. Veggies like sweet potatoes, kidney beans, and lima beans contain potassium that could help in keeping blood sugar in check. The best food for schizophrenia is spinach as it is high in folate, which could help in easing symptoms of schizophrenia. Apart from spinach, folate can also be found in asparagus and black-eyed peas.
• Fatty fish
  Since omega-3 fatty acids cannot be produced by the body, one needs to get them through food such as fatty fish like salmon and mackerel. Omega-3 fatty acids not only ease but also prevent the symptoms of schizophrenia and even slow down the progress of the disease. Vegetarians can intake walnuts and ask their doctor to prescribe omega-3 supplements.
• Crab and oysters
  According to research, there could exist a relationship between schizophrenia and low levels of zinc, which can be found in lobsters, crab, and oysters, as well as fortified cereals and beef.
• Clams
  Clams are an amazing source of vitamin B12, and research has shown that low levels of vitamin B12 could result in psychosis, of which schizophrenia is a part. Try eating foods rich in vitamin B12 such as trout, liver, and clams. Vegetarians can ask their doctor for B-12 supplements.

Foods to avoid

• Bread
  According to some experts and research, sensitivity to wheat could be a factor in schizophrenia and other mental health conditions. One option is to switch to a gluten-free diet, which includes proteins found in grains like wheat and others.
• Refined sugars
  Refined sugars found in foods like cake, candy, and sweetened beverages, contribute to diabetes, which is a huge side effect for those with schizophrenia. Cutting out refined sugars from one’s diet is a great way to manage schizophrenic symptoms.

Looking to spice up the look of your room? Windows are as good a place as any to start! Beautiful windows can make or break a room and keeping them clean and spruced up at all times is a must. The addition of blinds to your windows is a great way to add flamboyance and enhance the look of your space. Blinds can conveniently make a room look fancy and carry a plethora of benefits. The pros of this element in your home extend from bringing character to the rooms, to energy saving. If you have been contemplating making the new addition to your home, here are 4 reasons that will put your concerns to rest. Essential privacy - The most notable advantage of window blinds is that they give you your privacy. This makes them great for bedrooms or even living spaces. There are different types of blinds such as the Duette ones which allow for sheer hangings in the day while also rendering enough privacy with the drapery. They offer complete security and privacy within your space. Save energy - An economic benefit is that window blinds help save a good deal on energy bills and this, in turn, will reduce cost. The window covering prevents the excess penetration of sun rays into the room and thus, reduces the heat generated. This is especially great during summers as the air conditioning system requires less energy. On the other hand, the blinds act as insulators during winters and prevent the escape of heat. The temperature in the room can be better controlled while saving on electricity bills. Minimize the sun’s damage - The harsh rays of the sun are further magnified when they penetrate through the window glass. Not only does it cause the room temperature to increase to undesirable levels but can also cause a lot of harm too. The prolonged exposure to harsh sun rays can damage the furniture in the room. Thus, getting window blinds can minimize the fading of upholstery and save a lot of money. Affordability - Blinds add a stylish touch to the room and are beneficial in more ways than one.  Yet, they make for the most affordable addition to the home. The product is affordable and found in a slew of colors and designs. Moreover, they are easily available in the market and there are several that will fit your budget. Thus, no matter what look you wish to achieve with your blinds, you can rest easy about finding the perfect one.

Merchant cash advance (MCA) is an easy and convenient means of small-dollar funding for small businesses. They come with several advantages and disadvantages, as mentioned below. Benefits of merchant cash advances

• Merchant cash advances are quick and easy to obtain. In most cases, the money is deposited into the borrower’s account within a week and without requiring extensive paperwork. MCA providers just look at a business’ credit card receipts to assess if they can repay the advance.
• Merchant cash advances don’t require a small business to place a collateral in exchange for money. Thus, being beneficial for business owners, as their assets are not at stake even if their revenues and credit card receipts suffer due to slow business. However, most MCA providers ask borrowers for a personal guarantee, a legally binding document that holds them responsible for making the repayment.
• If the repayment method agreed upon is based on a fixed percentage of credit card sales, repayments will vary depending on how your business is performing.

Disadvantages of merchant cash advances

• Your annual percentage rate (APR) of the fees, as well as interest, could run into three digit numbers, ranging from 40% to 350%. Turning out to be a lot for expensive than the APRs on traditional bank loans, which are usually 10% or less.
• The ease of availability of merchant cash advances can throw small businesses into the vicious cycle of debt. This is especially true for borrowers who have a bad credit score and don’t have any other means of financing. Borrowers may be forced to take another cash advance immediately after taking the first one because of high costs and the regular MCA repayments. Thereby, immensely affecting the cash flow of a small business.
• Since merchant cash advances are organized as commercial transactions as opposed to loans, they are not governed by federal regulations. They are regulated by the Uniform Commercial Code in every state and not the banking laws.