Should You Go with Hardwood or Laminate Flooring?

When it comes to redoing your flooring, should you go with hardwood or laminate flooring? Which you choose will all depend on how much you can afford and if you are selling your home or keeping it. Laminate floors use to not only be cheap (cost) but look and feel cheap as well. Hardwood flooring is more expensive but it is worth every penny you put into it if you can afford it that is. Hardwood flooring never goes out of style and always stands the test of time. With that being said, laminate flooring is actually better made now than it used to be. Laminate flooring used to be loose fitting with ripples never quite fitting right but not anymore. In fact, they now make laminate flooring that gives the illusion of being hardwood flooring along with a ton of other styles to choose from. Don’t make your decision just yet. There are a few additional factors that you need to consider before making your final decision. The differences between the two types of flooring include: laminate is easy to install versus hardwood flooring which is difficult for the average person to install, laminate is cheaper in cost than hardwood flooring, hardwood flooring always increases the value of your home, hardwood floors still stand the test of time while laminate flooring only lasts about ten years and hardwood can be resurfaced multiple times while laminate flooring cannot.

If you are a lady on a mission for great fashion than there is no better place to shop than Ann Taylor. At Ann Taylor, you will find the best collection of apparel ranging from clothing, shoes and accessories for petites, tall and work wear. Need work apparel? You will find a great collection of blazers, dresses, jackets, tops, blouses, suits and skirts all designed for the working woman. From shoes from the shoe shop to plenty of selections in both tall and petites you will find what you are looking for when you shop Ann Taylor and with their partnership with Groupon Coupons you will be saving plenty of money too.

Before shopping Ann Taylor, be sure to see Groupon Coupons for money saving promo codes and coupon codes. Act now and get an extra 40 percent off when you use this promo code. Use this promo code and get $25 off your order. Always save more when you use promo codes and coupons from Groupon Coupons. Act now and get an extra 15 percent off your order when you use this code today. Get free shipping on your order of $125 or more when you use this code. Use this code and get an extra 40 percent off all sale styles when you use this code. Enjoy $8.95 flat rate shipping for orders under $125 when you use this code. Use this code and get solid tees at $19.50. Use this code and get a BOGO deal of 50 percent off seamed cami. Buy three or more full-priced jewelry items and get 40 percent off when you use this code. Be in style with this code and pay only $25 for full priced sunglasses. From free shipping to savings with coupons and promo codes you will always save more when you use Groupon Coupons.

Look and feel great in stylish clothes when you wear the right apparel that you bought from Ann Taylor. Be sure to always stop on by Groupon Coupons first for money saving deals.

Four Benefits of Adding Shutters to Your Residential Windows

You are considering the addition of shutters to your home and want to know more about the benefits of these very useful and decorative elements. Blinds, drapes, and valances may be considered, but the benefits of installing window blinds far exceeds that of other window treatments. Consider these advantages of installing shutters in your home:

One of the biggest benefits of adding shutters is that is adds the ultimate privacy. You can open the blinds at an angle to let the sun in, and activities in your home still cannot be viewed by those driving or passing by. When the holiday season arrives, and you want your Christmas tree to be displayed, they can be opened wide enough for passers-by to enjoy the lights and glittering ornaments.

Cooling and Heat Retention
Keeping your shutters closed in the summer will keep air conditioning inside and in the winter, will add extra insulation. Utility bills will decrease, and you will have more control over household temperatures. Installing a program able thermostat is a great idea as well.

Block Sunlight
Often the sunlight that streams through some windows is very strong, depending on which way they face during the day. Having the ways and means to block or at least minimize the effects can be greatly beneficial. Adding shutters to those particular windows that produce blinding light will give a homeowner control of just how much sunlight will be allowed in that particular area.

Match Any Decor and Window
One of the best things about shutters is that they can be found to fit into any decor style. They can also be fashioned and custom made for any shape, size, or style of window. If the look or color scheme of the room is changed, wooden blinds can be painted to blend in with the new decor.

Is a Long-Term Solution
Installing shutters can be more expensive than adding drapes or blinds, but is a fix that can last for many years. They won’t fade as curtains or drapes can or bend and break like blinds occasionally do. With minimal care and attention, quality shutters can last for as long as you love the look and style.

Sometimes homeowners add shutters to their homes just because they look so beautiful and add so much to the interior and exterior look of the house. If your home is very plain and nondescript, adding shutters from TheShutterStore may be the perfect solution. These additions are relatively inexpensive and easy to install and give the residence much more eye appeal. This can be a huge selling point if you should ever decide to put your home on the market.

As is clearly evident, shutters do add much to a home. The types and styles of shutters that you purchase will depend on your personality, your needs, and your budget, but know that these additions will add charm and value in a very reasonable and effective manner for many years to come.

Top Tips to Buy Your First Investment Property

Real estate is a sector where investment surely gives profit. Therefore, it is very important to make a sound investment in real estate to earn maximum profits. Investing in real estate is, of course, different than buying stocks because the first investment will only cost you a high amount of money. So, check these top ten tips to buy your first investment property.

Make Sure That the Property Is Meant For You

Do you know how to repair stuff at home? You must be wondering why that is even important because you can always hire someone to do that. Well, that’s true but another truth is that hiring someone to do that will cost you money and hence, your profit will be reduced. Most of the property owners, therefore, know their way to do most of the repairing stuff themselves. You have to make your hands dirty to make sure that the property that you are going to rent is perfect for the tenant. If you have spare cash with you, of course, this won’t be a problem for you.

Clear Your Debts

It is not a wise decision to invest in real estate if you are drowning in debts like student loans or unpaid medical bills. If you are not a savvy investor, then make sure that your debt is clear. If you have a good amount of money and you are sure that there is no financial debt or burden, then you can step in to buy rental property.

Check Your Down Payment

Investing in real estate needs a very high down payment. The scenario for the investor is totally different than an owner who owns just a single building. It would be easier for you to step ahead if you assume that at least 20% of the down payment will be needed for investing in real estate.

Make Sure Your Profit Is Higher Than the Interest Rate

The loan can be taken for sure to invest in real estate but never forget to look at the interest rate on the investment property. It is because you don’t want the interest rate to be higher than the profit that you will be earning; else there is no profit but only loss. Take a deal where the mortgage payment is so low that you can earn a good profit each month.

Calculate Your Margins

The big firms of Wall Street’s buy distressed properties with an aim of 6% return because they also have the staff to pay for. But things will be different for you and as an individual, you should set an objective of 10% return. The maintenance cost of the property should be only 1% annually and if you are able to calculate these margins, you will be earning tons of money in real estate.

Look for a Property That Needs Only Minor Repairs

A big property that can be bought at a bargained price can prove to be a temptation but you should avoid it if you are investing in real estate for the first time. Chances are pretty high that a house bought at a very cheap price will cost you a lot for renovating it entirely. Instead, try to buy a house that is priced below the market and requires only minor repairs.

Don’t Forget To Calculate Operating Expenses

The gross operating income of your new house can be good but remember that the operating expense of this new property will be approximately 60 % of it. Use the 50% rule to calculate the operating expenses of the new property. This will give you a fair idea about the profit that you will be earning.

Think about Profit

Look for return for every dollar that you spend in your first investing property. As a landlord, even if you are able to get 6% of the return for the first year, it will be considered that you are doing a great job. This is because the return will increase with each passing year.

Buy a Low-Cost Home

Buying an expensive home will cost you more expenses for a number of factors. Therefore, try to buy a low-cost home where the expenses can be reduced. It is recommended by experts that the first investment property shouldn’t be more than $ 1, 50,000. Consider investing in property to let in Virginia Water if you are looking for a low-cost home.

Location Is Everything

There is no profit in buying your investment property in a remote area because the demand for the rental property will be low in the region. Therefore, choose a location that has a good neighborhood and facilities to buy your first property. If you rent a house at a right location, you will be able to get a better profit. Rental homes in Sunning dale are a good example of a right location that can give you good returns.

Wrap Up

Having realistic expectations will help you in rising up in investment property. Work with an experienced property to gain experience which can be used later in your other investment properties.


Dual tax treaties: Cyprus/Latvia as well as Cyprus/Bahrain

The dual tax treaty between your Republic associated with Cyprus and also the Republic associated with Latvia may strengthen the actual economic as well as commercial relations between your two nations. The Treaty had been signed through the Minister associated with Finance from the Republic associated with Cyprus, Harris Georgiades, and also the Minister associated with Economics from the Republic associated with Latvia, Dana Reizniece-Ozola, within Brussels upon 24 04 2016. It ought to be pointed out how the Treaty is dependant on OECD Design Convention for that Avoidance associated with Double Taxation upon Income as well as on Funds.

As stated within the announcement, published online of the actual Cyprus Ministry associated with Finance, the Treaty will bring about the additional development associated with commercial as well as economic relations between your Republic associated with Cyprus and also the Republic associated with Latvia, in addition to with additional countries. Additionally, the revise, maintenance as well as expansion from the existing system of Treaties for that Avoidance associated with Double Taxation, that is of an excellent economic as well as political significance, focus upon reinforcing as well as attracting international investments as well as promoting Cyprus being an international company centre.


The Government from the Kingdom associated with Bahrain and also the Government from the Republic associated with Cyprus came to the conclusion an Agreement for that avoidance associated with double taxation regarding taxes upon income, in line with the OECD Design Convention for that Avoidance associated with Double Taxation upon Income as well as on Funds. The dual taxation treaty in between Cyprus as well as Bahrain may strengthen the actual economic as well as commercial relationships between your two nations.

The treaty had been signed within Manama within March 2015 throughout the official visit from the President from the Republic associated with Cyprus, Nikos Anastasiades, towards the Kingdom associated with Bahrain. The treaty joined into pressure on twenty six April 2016 also it applies to people who are residents associated with Cyprus or even Bahrain. The Contract also pertains to individuals who live in both nations. According in order to article two, of the actual Agreement, the Cyprus taxes range from the income taxes, the corporate tax, the unique contribution for that defence and also the capital increases. The Bahrain taxes includes ‘’The Essential oil Tax’’.

The actual treaty offers zero withholding taxes on obligations of returns, interests as well as royalties. Regarding funds gains derived with a resident of the Contracting State in the alienation associated with immovable home and located in the additional Contracting State might be taxed for the reason that other Condition. Additionally, gains in the alienation associated with movable home forming a part of business assets of the permanent business which a good entity of the Contracting Condition has within the other Getting State, in addition to, gains in the alienation of the permanent business, shall end up being taxed for the reason that other Condition.

Cyprus is definitely an international company and expense centre. The physical location associated with Cyprus is fantastic for establishing close ties with people based within Europe, The african continent, Asia, Middle East along with other regions. Additionally, the well-established infrastructures urge people to release their expense projects within Cyprus.

Research – the important thing to each and every investment

Research is the word commonly employed for investigation of any sort. People within today’s world are incredibly cautious before getting into any type of investment be it stocks or even assets. Investment research involves performing a comprehensive check out the home before trading. In situation of shares or hedge money, the person is capable of doing due persistance by dealing with the prospectus and looking into the account manager’s history and capacity.

Investment research with regards to property, requires a particular check checklist which protects the authenticity from the transaction as well as acquisition, as regarding industries. A highly effective checklist will retain the financial background from the principal, the health of the home and the actual marketing capacity for the location. If the research investigation is conducted properly then your buyer may avoid themself from engaging in a snare.

In situation of industrial properties, the industrial landlords frequently conduct a comprehensive due persistance investigation. Preparing an effective acquisition research list is essential for industrial property traders. They must search for the subterranean and storage space tanks, h2o taste reviews, radon as well as remediation reviews, plans as well as survey report as well as visit the website physically in order to track any type of disputes between your seller and also the buyer.

The Merging and Purchase (M&A) actions are mainly determined by the evaluation of research. It primarily involves monetary and legal research. The merging and purchase by companies have a deep check out the financial property, articles associated with incorporation, marketplace value, technology and also the competency from the company. Once a business decides to market the home, the financial institution is used into confidence to maintain the M&A company accounts. Then the home is directed at the expense bank; after that, investment banking research starts actively playing its part. The bank experiences the lawful points as well as discusses the actual litigation issues prior to the sale.

Regarding rental home properties, addititionally there is an effective research method. This process is popular by debt collectors appointed through the landlords in order to track the actual default tenants. The debt collectors use the actual skip find tools in order to track the actual contacts from the faulty tenants.

Therefore, whether it’s a small or even big expense, due persistance investigation performs a critical role within property expense. Proper investigation can lead to fruitful investment and may take you quite a distance. Consult the actual masters as well as invest these days!

Movie Advertising Can make Your Website traffic Soar

The majority of businesses these days have produced websites in order to capture much more clientele. Nevertheless, just making and publishing an internet site does not really guarantee you will notice an increase inside your customer bottom. Just as you have to promote your own physical area, you should also promote your own presence about the worldwide internet. One great way of achieving this really is video marketing. Most business people are not really video manufacturing specialists, so that your best possibility of obtaining marketing media that’s professional as well as grabs the interest of the actual viewer would be to engage the actual services of the professional internet marketing company that provides expertly created custom movies.

There are a large number of advertisements on the internet today. A few are disgustingly substandard, with bad graphic high quality, terrible sound components and supply lackluster outcomes. Many occasions, it is much better to postpone posting the video ad when the mediocre or even appalling industrial snippet may drive away potential prospects. Your company prides by itself on it’s professionalism as well as quality products or services. Just while you wouldn’t market anything substandard for your clients, you shouldn’t make use of video marketing unless it’s as expert and appealing as your own business’ item.

The the truth is you may attain the good success you seek should you contract by having an online advertising company providing you with quality movie advertising providers. These specialists generate exceptional commercial videos for the firm which will promote your company and provide you with a leading edge in your web-based competitors. Not just can these people produce your own media, however they will also understand how and where you can upload this to attract probably the most viewers. The greater your movie commercials tend to be watched, the much more likely it is that you’ll see much more traffic circulation through your site. Since elevated traffic creates the conversions which will increase your clientele, this is definitely an opportune strategy for increasing your yearly revenues.

Be careful, not just about all marketing businesses are as well! Ensure how the online advertising company a person propose to interact has an established track report and appears behind their own work. Most trustworthy marketing firms may have examples associated with video marketing segments they’ve created with regard to other clients that you should review. Furthermore, the leaders in the market will possess client recommendations and referrals available, and can usually provide these phones you on the websites or even by ask for. You need to do your research and evaluate what every marketing organization offers, their prices and the amount of previous customer happiness before a person expend your own company’s valuable funds. Additionally, it is essential to ensure the advertising professional a person engage is actually someone you’ll feel comfortable dealing with from task conception towards the final version of the commercial movie.

Every business proprietor wants in order to expand their own customer bottom and develop their income. Boosting your own website’s visitors with movie advertising can help you in causeing this to be a actuality. Finding an expert partner along with expertise within commercial movie production as well as marketing brings this objective to fruition. Having the tantalizing industrial video snippet on the internet can be among the best investments inside your company’s long term.

Brand new Jersey’s High quality Sealcoating Expert

Great United states Sealcoating is really a New Jacket based concrete, driveway, sidewalk sealcoating organization providing home and industrial sealcoating providers in Hunterdon, Somerset, Middlesex, Mercer as well as Morris County Nj.

Why Excellent American Sealcoating?

Great United states Sealcoating is happy with the relationship we now have built with this Residential & Industrial customers. We now have earned the reputation with regard to providing top quality services from competitive expenses.

We anticipate adding you to definitely our listing of satisfied clients!

Here really are a few reasons:

• High end Products
This can be a business where you receive what you purchase and all of us at Excellent American Sealcoating provide you with the highest quality work on an inexpensive price.

• Insurance coverage
We have Business Legal responsibility and Employees Compensation Insurance coverage. Our automobiles and gear are completely insured.

• Contractor’s Permit #13VH01319300
As required legally we have a NEW JERSEY State Companies License. This law is made to protect through unscrupulous, fly-by-night do it yourself contractors that take homeowners’ cash and elope without performing promised. This regulation helps both homeowner as well as legitimate companies.

• Absolutely no Hidden Costs
We provides you with a comprehensive proposal, that will include a failure of just about all specifications including extra expenses.

• Excellent American Sealcoating is really a proud person in the Bbb and adheres for their highest requirements of high quality and expert service.

Some tips about what Our Customers Think about Us:

“Thank a person so greatly for the actual exceptional focus on our front yard! The sealcoating had been meticulously used and, the actual cracks fixed to excellence. My conversations together with your office had been very expert and enjoyable. Please feel liberated to use us like a reference. You’ll always possess us because clients. inch
Sandra, Hillsborough, NEW JERSEY

“Thank a person for carrying out a SUPER work on my personal parking great deal, I am happy. You could use me like a reference, I will be proud to provide you with top-billing. We thank you greatly. Your workmen tend to be exceptionally good – actual gentlemen. As seniors of the actual old college, we truly appreciate your own kindness. Please maintain me in your mailing checklist. You tend to be hard workers and thus very dependable the industry hard combination to locate today! inch
Ruth, Somerville, NEW JERSEY

“Thanks for you and your own staff for that beautiful work you do on the driveway. We would recommend you later on to anybody. You do our boy’s driveway too. We experienced seen the truly amazing job. He’s also happy. ”
Chip & Eleanor, Sure Brook, NEW JERSEY

“I just desired to inform you that the office was happy with your projects, your employees and their focus on detail. inch
Louis, Somerset, NEW JERSEY

Transportation Wheelchair | Advantages of Stackable Transportation Chairs

Stackable transportation chairs have become much better and useful for institutional make use of. While conventional models may be used in exactly the same type associated with settings, they present certain risks according to sturdiness and security. When thinking about commercial buys, it is essential to realize these crucial differences.

The actual Folding as well as Collapsing Conventional Wheelchair
The regular wheelchair provides users a good deal use using its ability in order to fold or even collapse. This enables many to put the chair to their vehicle or even store it inside a tight room. In numerous respects this can be a perfect solution for that individual who requires a personal seat.

This is actually however false for industrial and institutional make use of. While effective storage methods are helpful and actually necessary in some instances, a foldable or collapsing wheelchair isn’t necessary. Actually, this really feature causes it to be prone in order to theft. By collapsing very easily the seat makes itself susceptible to individuals who would like to steal this by putting it to the trunk of the vehicle.

Conventional Wheelchairs along with Removable Components
Similarly, folding as well as collapsing wheelchairs possess removable parts that provide simplicity of use. For person users, this adds a lot of variety and easy storage. Nevertheless, these parts boost the incidence associated with theft within an institutional environment. As you can observe, the exact same features that work therefore well to have an individually possessed chair are in fact detrimental within the institutional environment.

Materials upon Traditional Wheelchairs
Numerous traditional wheelchairs make use of materials, for example vinyl chairs, which help to make the chair simpler to fold as well as store. Regrettably, these materials aren’t as powerful or because resilient as other available choices. When thinking about commercial seats durability as well as strength tend to be critical elements.

The Stackable Transportation Chair
The stackable transportation chair doesn’t need to help to make concessions according to strength to be able to fold upward. As the actual transport chair doesn’t bend or even collapse it may use much better materials within construction, and it may still shop effectively since it is made to be nestable.

With integrated accessories like a luggage stand, IV post slot, oxygen container holder and much more, the seat further reduces the probability of theft. These models are made to stack despite their add-ons built upon.

Well-made stackable transportation chairs make use of high-grade metal and contrasting parts. These models are made specifically for that use they’ll incur within institutional conditions.


With regard to institutional buys, do not disregard the security as well as durability provided by well-made stackable transportation chairs. While a few companies overlook these issues to make a extremely transportable item, or in order to save money, these functions are too vital that you be ignored within the hospital environment.

Routers, To See Various kinds of Routers

There are many types associated with routers you might hear associated with: wired router, cellular router.

More in depth classification: Inner router (IR): All interfaces fit in with the exact same area; Region Border router (ABR): Interfaces in order to multiple places; Backbone router (BR): Interfaces in order to backbone; Autonomous program boundary router (ASBR): Trade routing data with additional autonomous techniques; Designated router (DOCTOR): Generates link-state information on the subnet; Back-up designated router (BDR): Gets DR in the event that DR isn’t able.

If you utilize computers in your house or workplace, it is probably that your pc is associated with other computer systems through some form of router. Just like a police official directing visitors at a good interchange, the router may direct or even route info, data as well as files towards the locations they have to go. Usually, Routers that people used may either end up being wired or even wireless.

A ” cable ” router may generally connect with your pc and computer systems or hardware with an Ethernet cable television. This happens by using output plug-ins. And the only real input interface provided on the router is going to be used for the net.

A cellular router might allow entry from a number of computers via wired Ethernet wires and via wireless cable connections. You may know the actual router you’re using is actually wireless in the event that it posseses an antenna. The antenna will give you the router having a specific range which allows other computers in the region with cellular capabilities to get into the router, provided they’ve password entry.

Two Standard Routers All of us Usually Utilized

Commercial Router
Have you ever been to some coffee store or hotel that provides Wi-Fi entry, chances are they’re using the commercial-grade router. These routers are a lot more powerful than what you will purchase at the local consumer electronics or pc store. The greatest commercial routers can provide use of the Web, files as well as printing, for instance, with small problem. Commercial routers could also be used by companies, hospitals or inside a university setting included in a broad area system or WAN. (Cisco is really a leading router producer to try to provide router as well as networking means to fix small, medium as well as large businesses) This can be a network which allows computers for connecting to one another even when they are within another building anywhere. The commercial-grade router is going to be used for connecting with the actual wide region network (WAN) on a single side along with a smaller system called an area area system (LAN) about the other. The neighborhood area system may contain one big office inside a building. If so, you might have multiple LANs connecting towards the WAN via one or even multiple routers.

Customer Routers
If you are searching for a router for the home or small company, you likely will find the thing you need at the local electronics shop. Generally you want a router which serves like a wireless entry point (WAP). It will also be considered a network change. The cellular access stage (WAP) basically offers the wireless entry that everybody wants. That cellular access could be both towards the Internet and also to other computers in your home or workplace. Routers that include a system switch are usually faster and supply more equally distributed bandwidth in order to each interface. Consumer routers can come in a number of price runs and talents. Some from the lower listed consumer routers won’t have a quite strong firewall. (Cisco Linksys E-series routers, effective home routers, are made welcome by lots of Cisco enthusiasts, more data of Cisco’ house product store you can travel to Cisco’s recognized site:

Advantages of Open supply Web ImprovementAdvantages of Open supply Web Improvement

Opensource usually favors high quality as they don’t see the actual marketing advantages giving visible functions. Generally opensource creator is inspired by expert reviews so that it has authorization tendency using their peers. In compare for their counter components in industrial software opensource neighborhood attracts really bright as well as motivated designers, who are often unpaid however very regimented one. They aren’t part associated with corporate culture and don’t always specific higher wages and desired to move in to management, so that they are the majority of experienced one within their respective sectors.

Running a business environment customers never believe any modifications in software before job changes or even more efficient procedure is found. They need some kind of stability to maintain their procedures continue. Opensource offers this balance as presently there upgrades tend to be optional not really compulsory as in the event of proprietary software program where industrial vendors exerts stress to often upgrade the program. They often make use of the tactics to maneuver towards the brand new file structure or pull away the assistance of irritate fixing within older variations. In utilization of opensource, customers are preserved from remoteness and victimization. Users are liberated to take update or not really. No roundabout tactics force these phones do this. In real life every company is altering and opensource needs to change to satisfy the changing dependence on the business therefore it changes however slowly and in support of business not really the suppliers. There tend to be less problems of edition compatibility or even the extendable issues within opensource.
Industrial vendors frequently claim their own quality, protection, freedom through backdoors, adherence in order to standards as well as flexibility in the event of future modifications. But who’ll audit their own claims? Their own paid auditors? While there is no accessibility to source signal these statements remains simple words just. In situation of opensource there’s complete Review ability. Anyone can carry out rigorous checking within the claims produced by developers. In long term there will be a standard exercise to evaluate the statements means total Auditability because of excessive utilization of opensource. You can find backdoor company accounts, security risks, etc. along with opensource not really in amazing software.
It is actually free software program means free of Total Price of Possession (TCO). We are able to say which: -> It offers possibly zero cost -> Opensource potentially you don’t need to account with regard to copies being used, reducing admin overhead -> There is nearly no or even reduced requirement for regular updates so lower/nil update fees as well as lower administration costs -> It statements longer uptimes as well as reduced requirement for expensive techniques administrators -> It offers near-zero susceptability to infections eliminating requirement for virus looking at, data reduction and down time -> Opensource offers lower susceptability to protection breaches as well as hack episodes reducing techniques administration fill -> It has capability to prolong existence of old hardware whilst retaining overall performance -> Better adherence in order to standards enables competition on the market, reducing merchant lock-in as well as consequent monopoly prices -> Accessibility to source signal provides higher continuity as well as security towards -> Financial fall of suppliers of crucial products -> Vendors selecting to pull away support with regard to unprofitable items -> Protection towards being required to suit your IT technique to the money needs of the software provider