Easy ways to lower your Heating and Cooling Bill

Homeowners spend almost 50% of their energy bills on heating and cooling their homes. While this percentage varies throughout the year, there is no denying that most any home utility overall budget. Because of this, many homeowners are looking for ways to reduce overall heating and cooling costs. By taking a few simple steps, most visitors homeowners lower energy bills without reducing overall heating and maintaining their comfort.

Routine MaintenanceRoutine air is one of the most often overlooked step that can help To save on heating and cooling bills. Many homeowners simply do not realize that you have to have a local heating and air professionals perform routine maintenance twice a year. Routine maintenance helps ensure that your system is working properly and efficiently. It can not only help save you money, but helps you avoid injury too early. At a minimum, you must do the following: .. · Have your air conditioning system checked each spring before you start using it on a regular basis · Measures a local technician inspect your furnace every fall before you start using it regularly · Changing your air filter at least once a month. · Make sure your condenser unit is always clean and clear of any obstructions.

Install New EquipmentIf you live in an older home, it may make sense for you to replace your heating and older aircraft with more new, more efficient models. Of course, this requires high up-front costs can be prohibitive for many homeowners. Depending on the age of your equipment life, however, it could end up being one of the most cost-effective option that you have. Installing Energy Star rated unit can save significantly on your electricity bill. In many cases, these units will pay for themselves in a very short period of time.

In addition to replacing the heating and air units, you also have to look at installing a programmable thermostat. It is a relatively inexpensive upgrade can do wonders to make your home more energy efficient. A programmable thermostat allows you to program custom heating and cooling schedule so you can make sure that your thermostat accordingly change even when it is not home.

Seal and InsulateThe insulation in walls and ceilings can have a great influence on the effectiveness of heating and cooling systems. It is also true seals around doors and windows. Start by sealing all doors and windows properly, make sure that there is no room for being so manifest in and out. For a thorough analysis, consider having a local professional to conduct a full energy audit of your home. They can help you identify non-obvious emission, as well as determine whether or not you have a sufficient amount insulation.

Because a large percentage of your total energy bill, which makes even small positive changes in heating and cooling system can have a profound effect on your overall costs of energy. Take the time to assess the heating and air system, and how you used it. There is room to improve the efficiency (and saving) per household.

Why Natural Acne Remedies to Work for Cheap Adult Acne

Most people tend to have acne at some point in their lives. While we usually think about when we were teenagers many adults suffer from acne as well as for various reasons. People try many things from the counter items for simple household items. If you want to try and cure acne naturally first had a lot more simple household items can be used to see if it helps to clean it. Many times the problem is to see if the acne is simple flair to the skin or if there is something that happens like problems with hormones or part of the problem is diet-induced. Note that it is not easy to determine an exact cause due to several factors can cause acne problems. 

Keep in mind that I'm not trying to give expert medical advice but only suggestions for things that one can try. For serious problems you should always consider consulting a professional middle. So for some recommended acne medication please see below.Baking soda: Baking soda Simple to use for baking or cleaning is one of the natural remedies for acne, pimples, blackheads, and that such person uses for years. The main advantage with baking soda is that it is cheap, easy to get, easy to use and so natural that you usually do not worry about negative side effects. Baking soda has a sandy texture so you want to avoid rubbing your skin. Usually what most people do is to wet some baking soda with water to make a paste types and then apply it to the affected area. 

After that, leave it to dry and give between 15-30 minutes before washing only. The idea is that baking soda helps to dry the area, especially when it comes to things like acne. By drying out the acne causing bacteria and dead skin can heal it under the dry skin off. The main problem people complain baking soda can potentially dry out your skin when used regularly. If you see problems, you might want to be careful with it or something then apply to help keep your skin moisturized.Apple cider vinegar: This is another item that many people report success when trying to treat all types of acne in ways more natural, especially for the more moderate or mild acne. 

The idea is that like baking soda helps to dry most types of acne especially things like acne. But also helps to kill the bacteria that cause acne and helps to balance the pH level of the skin. The main thing to remember with apple cider vinegar as baking soda can dry your skin. Over though it is something you have to remember that apple cider vinegar is acidic. Now all the vinegar should be diluted to make it less acidic common for five percent acidity and say the bottle. You still have to be careful when using it. In general, most people find it just might wet aq tip and apply it to full power but some people, especially those with sensitive skin can not do it. You also have to be careful when you apply it near your face so you do not get into your eyes. If you have sensitive skin or if you apply it near your face, you may want to dilute more by mixing with water to reduce the level of acid it.

Egg whites: Egg whites in the white of an egg without the yolk . The easiest way to do this is to open up and pour slow light white without the yolk. After that, you can apply egg white on your skin and leave it there. The general opinion is that it generally helps to improve and tighten your skin while reducing the occasional pimple or acne as well. The eggs are very healthy full of vitamins so that for most people they seem to help either healing your skin and give you a very healthy look. In general do not seem to have much direct effect on acne. 

More seems to help the overall health of your skin.Keep in mind that you should always avoid applying or cure for all types of open wounds. Acne is a difficult problem they face at any age. While some people see quick results with other people who need to use the drug for a few weeks to see any improvement. Another thing to keep in mind as I mentioned earlier is that often no exact cause for acne or one that is suitable for all fix.Things such as changes in diet, hormones, and even stress levels can all cause acne to act. Similarly while some solutions that work for some people they can not work well for others. The best thing you can do is be consistent and try different things to find out what is best. If you suffer from severe acne problem you may want to consider trying something stronger or see a doctor or dermatologist to help produce a proper treatment regimen.

Why Jefferson Alabama

Venture capitalism, which is potentially useful way of investment for small businesses in particular to technology, industry, and good dot com biotech businesses.For at the beginning of the year, the industry will be stable and venture capitalists seems that venture capitalism is alive and well. Investment biotech, software, media and entertainment, telecommunications, and a variety of specialized internet companies seem to be well.

Despite risk venture capital, entrepreneurs are still trying to get approval from venture capital organizations to get hold of the money to finance their growth and development. Entrepreneurs from all over the country to take advantage of growth in venture capital investment. Even in Jefferson County in Alabama, venture capitalism to flourish.It so happens that Jefferson is the most densely populated areas in the state of Alabama. There are many potential things that happen here and there will be plenty of opportunities for organizations to invest in the venture capital business in part Alabama.Venture capital is a double-edged sword. For investors that might mean better profits if things turned out well. Investors put their money into a company with the assumption that things will turn out well and that the company performed well in the near future them.

The reap all the advantages money can be used by employers for innovative enterprises or research. This works particularly well with high-tech companies. There is a really big risk losing all the possibilities and all investment income is that venture capitalists to grow so far.So what the contents of the Jefferson County set to venture capital. Jefferson had a limited form of home rule government. This system has resulted in the benefits of land use zoning, as well as better maintenance of the drainage system and roads. Waste disposal and the relative taxation year too.

Five OK, how much time capital investment analysis and capital source studies should be performed. It was just enough time to try the product, service, process and market investment.This ultimately better for entrepreneurs and investors. In particular, investors need to know how stable the company. Research and teaching can expect possible scenarios that can help companies and investors through difficult times. With proper planning, it is possible for entrepreneurs and investors to borrow long-term and take a placement of equity, and other investment-related major.

Experiments Bank Officer (PO) Exam Preparation

Experiments Bank Officer (PO) exam is one of the famous bank exams in India. Bank PO exam is the gateway to the official and administrative posts in various private and public banks. Diagnosis is difficult to crack and requires quality preparation. Let us consider the evaluation of the pattern and a variety of books that can help to candidates.General Information about Bank PO exam: This exam is a 2 hour period of preliminary investigation and the type of destination . Preliminary examination has four parts: 1) Test Reasoning2) belong Aptitude3) Awareness / Computer knowledge4) English LanguageOnly initial inspection obvious candidate is allowed to proceed to the next round of General. The main examination is 3 hours long and is a combination of goals and objectives examination.The descriptive type examination of 2 hours duration and consists of: 1) Evaluation of Test Reasoning2) Data and Interpretation3) Marketing Knowledge4) English Exam LanguageThe descriptive information for the UK and Has a duration of 60 minutes. Candidates who clear the main examination with a minimum percentage called for group discussion and many interview.

There concepts in each section and it is essential that the candidates prepare for all abilities in parts . Reasoning: The ability to assess candidates following sections: 1) the similarity of shapes, words and Numerics.2) Series completion3) coding and decoding4) Insert missing character5) ClassificationQuantitative fitness: 1) Simple and compound interest2 ) Regional and Volume3) Percentage4) Income loss5) Jobs and time6) LCM/HCF7) Simple Awareness fractionGeneral: 1) Constitution India2) When the economy affairs3) India Geography, Economics and history4) Sports5) Computer knowledgeEnglish: 1) Vocabulary2) Prepositions3) Comprehension4) Synonyms/Antonyms5) Grammar6) ComprehensionThere many books that can help candidates.

 These books include all of the above components and provides a long letter very useful question. Some of the well-known bank po clerk exam books are1) IBPS Bank PO / MT Descriptive English by Kiran Prakashan2) Bank PO Planner by Upscportal3) Bank PO Practice Test paper by Jha S N4) Bank PO Guide by Gupta5 SC) for Bank PO previous papers with solutions KundanCandidates Detailed K can now buy a Bank official test please book online. Online bookstore has a better collection of books and discounts. These books are available in a collection box, where you have the best set of books Bank PO at a great price. Online bookstores offer fun where you get the best deals this year. So, buy books online in India official Bank PO exam and be part of this new trend.

Your Services Training: Do not Let Your "Elevator Speech" Leave You In Ground Floor

If you've read and listened to experts in hopes of strengthening business marketing training to generate income, deal with the idea of ​​the "elevator speech." It must be wonderful monologue Compact have to practice until you You throw it away if you have a few seconds the attention of potential clients. It gets its name from the theory that summarizes what you do, what you offer, a short but captivating enough, when you and your prospects complete the elevator together, an opportunity to request additional Information. Unfortunately, very rarely, because of two factors: Unrealistic expectations, and Poor execution. What To ExpectMany people spend hours working on an elevator speech because, frankly, they really want to believe that they can convert strangers to prospects interested in a few minutes. 

It is not possible ... But close! Just change the experience around and try to imagine a situation where a person who had just met you speak, for example, less than 250 seconds and makes you really interested to ask them more about their services.Isn t 'is more likely that your defense will show up soon? You can not say that it is "pitch" from the beginning Now, there is nothing wrong with building a very compact statement of what you have to offer, as long as you?: Use it to start a longer conversation, not to close the sale, and Change your perception of "what you have to offer." Improve your ExecutionHow, you get people interested in continuing the conversation you've just started? You talk about them, not about you! It takes courage, determination, and a lot of skill. We are naturally more comfortable talking about ourselves, and we want to talk about what we do, the services we perform.But person you are talking to will also have to talk about her. Other people who want to discuss the potential of their world, not yours.

And when you indicate that you understand, and care, about their world, you interest.So they win, rather than saying " : personnel training "or" executive coach "or whatever you do, try something like: "Many of my clients persist with X. Is it important that the company you are struggling with? " "Many people who work with me to think that the Y would be a challenge for them in the next 18 months. What do you think? " Of course, X and Y are the issues that need help. But that should be expressed in the language of the client, not your ears consultant.Grow language training, Shrink MouthOnce you started the conversation, try not to kill it.The easiest way to support conversations smell to immediately respond to the response you get from prospects with regard to the general rules about what you do and what you know, and the best confidence. Follow up with an answer to the first question is another question. 

Keep talking about the prospect of their situation. Raise their awareness about the desired results, what is different about situations.With skill and patience, you can bring prospects to the point where they ask you how you deal with situations which they want to know how you have helped other companies facing challenges and achieve better results. Time to talk about what they get from working with you well after you've given them a chance to explain their frustrations, their hopes, their challenges, their approach. The longer the conversation focused on the world of the client, the better your chances of landing some work.But practice you can get a long conversation happens when you start talking about it for you all!

Behind the scenes Franchising exposed

If you are serious about buying a franchise business then you need to understand the franchise agreement to avoid making a bad investment. As a franchisee you assume all risks! All we have to buy the products and services of the franchise, and we all have a basic understanding of the industry. In fact, many of us have an intimate relationship with a number of franchise, every time we buy a burger, ice cream, pizza, cleaning services, and a ton of other goods and services, if you do We outlets.

But from this franchise what we see as customers just save the franchise. This is what happens in the back room and how your product or service to customers that we will explore in this article. The truth is, the process is often very difficult, and only to fully appreciate what can happen to a franchise that can reduce the likelihood of something bad happening to you. There is no one single tactic that will allow you to do this, but you have to use a whole series of actions, capabilities, and a certain mindset if you want to run a successful franchise operation.

The first thing you should know is that the franchise itself is set correctly. The International Franchise Association (IFA) was established in 1960 alleged that dinner with the head of a leading franchise. Franchise industry has not been established at that time, so the company bosses agreed to put up the money to promote the image of the industry who have been abused by unscrupulous employers. The idea behind setting up IFA will give credibility to his tarnished model.And business. One of sixteen Americans now operate the franchise business, and the third American retail goods and services sold through franchised outlets now. 

But success comes at a cost. Many unsuspecting franchisees lose all their net worth through no fault of their own, while others have no control over their business and the right for their lower employees.This is due to the franchise industry, franchisor sets the rules. They write the Franchise Agreement, and they have the power to tell the franchisees "take it or leave it!" That's not the attitude that creates a healthy relationship, especially partnership.Of course, all agreements and franchise companies are not all the same. Many rogue traps out there, but there are also some great opportunities if you know how to distinguish between them. 

The difficulty is to understand the strengths and weaknesses of each franchise company so you can make the right choice. How do you tell a truth unscrupulous franchisor? The answer is because diligence.As potential franchisee, you have to understand every promise you made. Suppose that nothing really and crystal every point and every detail, and how each word in the agreement may affect you while running your franchise. It is a fundamental error in every business and fatal errors in the franchise industry. In a franchise relationship, the franchisor does not generate investment and risk. It's all on your shoulders. Understanding the elements that will give you the knowledge and confidence to make the best investment of your life, not your worst mistake life.Whatever kind you are thinking about buying a franchise, you invest and bet $ 50,000 , $ 100,000 or even $ 200,000. It is your money and your equity is at stake, not a franchise. 

Most likely, whatever you invest is going to be a serious part of your net worth and save lives. So it is up to you to understand the system if you want to reduce your risk. If you can not do it yourself, then you should get some professional help.FRANCHISE SYSTEM IS A CONTRACT. If you do not understand the contract, you will never understand business! Franchise due diligence is the most important step in buying a franchise. Never invest in a franchise without a thorough understanding of the Franchise Agreement and the Uniform Franchise Offering Circular?

Effective Job Applicant Tracking Generates High Customer Satisfaction

What is the most common complaint you hear from your customers? Perhaps this is not about your product. If the goods are sub-par or undesirable to the consumer, they usually just go somewhere else. Complaints are usually about services, actions or thoughts of your employees. Fortunately, proper documentation is provided with a system of job applicant tracking, you can reduce complaints and increase customer satisfaction. ATS applicant tracking system provides a better way to index and review the resumes. Ongoing evaluation is to filter out most of the "bad" candidates before the first interview for the first interview phone interview job.Making can save more time. Once you have narrowed the field to a few select candidates, you will want to have additional measures in place before making the next step. Screen candidates carefully before you invite them for a second interview. Do not wait until after you've invested time and money to a person before bothering to check their references. 

Pattern of poor customer service skills are easy to see if you make a call and talk with former employers and personal references. A good recruiter can read between the lines, even in response prevention or indirectly. Ware and log your thoughts and input the appropriate section to track your candidate recruitment software.Once screen by checking their background, create "what if" or paper role-playing exercises to do During a second interview. Most web-based recruiting software customized field where you can enter input values ​​or skills measurement systems. Prospects are involved as much as possible the situation of non-trapped. Searching for answers to the questions the book does not tell you what you need to know about their customer service skills. Only a voluntary decision shows the true character of a person. Customers become nightmares and measure the response of the candidates under pressure. It would not be 100% correct because they know they are trying, but should give you some valuable insight.Be open to what others think. When you hire a new employee, be sure to include managing and training other staff in the hire process. It is easy to do if you have software that is web-based recruiting because other people are able to access files from anywhere, even at home after work if they need to. 

Make your notes as you go through the process the first and second interviews, and others to add their input after they met, discussion, or other methods to assess the prospects. Their eyes are better than just two. People who work alone on individual charter attached to positive or negative qualities of candidates person.Once right choice, make sure that all their data is entered into the tracking system of recruitment. While going through months and years of work, schedule of regular testing and ensure a permanent part of the employee records system. There may be times when the promotion is due or filed a complaint against the employee. Proper documentation is guaranteed that you can make a decision in this situation.

Number, label, and protect

While we are doing business with a company or government, we get a number and a label attached to us. It is a way of dealing with our organization. It is more convenient for them. I understand some demand for it. If you have 15 customers all named John Smith, you need more ways to identify each other. My only question is, is trying to deal with the mine, or try to help me? I got my driver's license number memorized. My social security number memorized. I got my library card number memorized. My number memorized. I had my bank account number memorized. I do all my nine-digit zip code memorized. I got my car license plate memorized. It is not a big problem for me is to tell everyone some numbers or passwords on the label or Customer Service Representative to be able to do business. Those monikers additional layer of security and assurance that the business has done for me. 

I just want to feel that the company appreciates my patronage, or want to take it to a place where he valued.I want to feel that my citizenship values ​​of various government considers me as A constituent assembly, but I don 't. I definitely feel that the government - that is, those who are elected and those who work for the government - in the rare case that I respect all of them, I just value as a source of income. I do not like standing in line at the Division of Motor Vehicles or the Post Office for a half hour just because people pay attention to the customer, while the 3 or 4 other people are present, but do something, However, with the closed sign keep minor problems from interfering with their customers. I do not want the government to consider me as your Social Security number or demographic. I do not want them to threaten me if I did not give them money. They do whatever they want money and felt no responsibility to let their constituents know what the money is used for and if there is good comes from it. We are the ones who gave them their jobs, but now they think we subjects.

I want to consider such statistical or mathematical formulas, or as an entry in a spreadsheet or database so that one Track me to try to get me to give them a lot more money. Too often, we are only concerned with the extent to which we can contribute to what other people want, rather important to them about what we want.i am not a tool to help others get what they want. We should both benefit from the transaction or I'm not interested. I have wants and needs. I want to know that when I spend one to make money thank you for it. I want to know I got a good value. I need to know that the organization understand that my time is very important to me, and I want to know that nothing is wasted unnecessarily. When I know that you care about me as a person, I'm happy to deal with numbers or labels to make the transactions faster and more accurate for both of us. I am pleased to make your job easier if you are happy to make my life better.Simple note: Let us all remember that everyone we come into contact with throughout the day, throughout our lives, is a man. People need to feel that they are recognized as the first, so they can be viewed as customers or constituents. We can get everything we want - and easier than any other way - if we are going to treat people the way they want to be treated.

Increase Sales Using Image Tactics

In my dream, I envision being the marketing consultant equivalent of Oprah or Tiger Woods. Oprah, for his premise, "you are a woman and you are responsible for your own." Tiger Woods, the ultimate dedication to the game. Respectively, this is what they already know to what or personal values ​​they may admit as: In other words, this is what their brand identity you are.Once known something for the people and feel the value of "this is something that [brand ], "it's time you started getting. On the perceived value of time, entrepreneurs and other businesses would pay money to be had in understanding known.To you become an entrepreneur, the first decision you need to do is, "Who do you want to be? "Or, in other words," How do you want to be perceived by others? "The answer to both questions is equivalent basis is needed to bring all of your future marketing decisions, from what advertising vehicles you use, the type of customers and clients see target.

For example, you want to be known as the most prestigious nutritionists in the world? People around the world look for and pay cash for your suggestions on how to incorporate more color in their diet. To build a foundation and achieve such prestige, image marketing plan you may involve the following actions. Complete the appropriate credentials such as certifications and higher education. Reach and make visible the leading reference including well-known figures in the media quoting you as an expert, current and past clients cite certain things that you do to help them, and numerous articles in print and electronic news bulletin that you quoted. Build credibility with hosting, writing or doing a weekly healthy food column called "became Brown, Get Healthy." Socialization and visits with renowned experts associated with other health or those who exhibit healthy behaviors such as: other nutritionists, diet book author, athlete, personal trainer, physiology professor and food scientist. Why? Because one can make truth implied about themselves just by hanging out with other experts. 

In general, people assume that because other experts lets you hang them, then you have to qualify the status of "expert". Choose a unique style of clothing and make-up and stick with it. A simple example, maybe every time you leave your house, you always wear something purple, scarf, pin, shirt, tie or nail polish. The repetitive purple creates a picture of the unconscious, which, after a while, causing people, when they saw the news, events and magazines, to say, "I see his point. "And they shall take of the statement you wanted, and therefore, you should know what you are talking about. Always change your image based on current trends. However, remember to make small changes, so do not walk away from the image that you have worked hard to develop. Every trader plans to build a unique image. In fact, it should be. It is a mild difference about you as an entrepreneur to set you apart from your competitors. More importantly, the difference also helps your customers see you, because you will be able to effectively and affordably reach customers with selecting a niche image.

The press Your Potential Customers

Business owners of long standing know the cardinal rule "take care of your existing customers first". Especially now that we see business owners continue to look for new customers. Hey, have forgotten the customers you already have. All of us want our business to grow. However, after a few years, depending on your business, you can reach a point where your business starts to taper off. You find you are not getting new clients. Before you give up, we understand that you still have your current customers. Why not try to increase the volume and steady income to your current customers base.

One things we discussed a number of our article is to get feedback from your customers. Yes, you heard about this problem. However, this is a good thing, allowing you to correct or stop selling the product. Ever wonder why some of your customers will never buy again, the problem may be the reason the product. Do not ask, do not tell me NOT operate world.Send business follow-up letter or call your clients and make sure they are happy with their purchase. It also gives you the opportunity to ask if you can be of service to them again. If they are not happy, find out why and fix it. After taking care of it, then see if there is anything you can do for them. You will be surprised. Because so many businesses do not do this, you fix the problem, you are a loyal customer, they recommend you to friends.Another techniques we discussed before the survey. You can find out what customers need to take the survey. 

This can be done informally by asking them when you see them or you can call them. Another way is to send the survey when you send a brochure, flyer or if you send discount coupons to your customers. Want to know how they use your product, any new methods they use you can think of. You will also want to know if there are products or services they buy. If you call please try to get the sale, if one does not, so be it, but the goal is not to make a sales call, but to collect time information.Many, like us, you can produce a product or service can offer you. For example, from the survey and the questions we asked our student guidance, we came up with the idea to add video / audio on our training program and then after further research on all of our products. This allows us to offer video on current customers at a discount, of course, and we also got new customers due to the increasing popularity of video. Customers like it because it was like having Chuck and I were home with them.However, for those of you selling concrete products you may want to offer your customers the opportunity to get acquainted with it. 

For example, say the new scents or cream. Get beauty consultant for lectures introduce the product and its benefits. Or you can do it yourself. Your business is something that you should be an expert in, so you can certainly introduce products yourself.If you achieve your business to your customers on a regular basis, you can bring a sample of their product to try. This way you can get feedback on the product, and if there is a problem you can fix it or stop it.What about how you present your product, you modified packaging, packaging other items like this makes a better salesperson. Also, around certain holidays you let your customers know that your product would make a great gift. For those of you in business services create some gift certificates that your customers can buy for a friend or family member. For example, one hour consultation with a life coach, Karen Smith. 

Can your customers offer their customers your product as a bonus for something that is selling.Another option is to take some of your products and put them in a package. For example, we offer several packages with guide books, books and records together. You can offer your machines in your exercise book low-calorie recipes, and other info about sports efficiently.How offer discounts or price breaks for a number of your product. For example, for orders of 10 or more books that we offer 35% discount.On see the side for you to sell in quantities why not offer the option to buy just one. Of course, the price will be higher as opposed to just 1-2 quantity.

Remember bigger, you can do whatever you have to, to keep your customers happy.This there last idea is not for us, but for those who can, it is true can actually increase sales. To customize your item. For example, if you sell the dolls you can put different hats on them, clothes, etc. There is a company that sells teddy bears for all types of occasions and they also have a number of different bears for the season. Remember, the more you customize the product with a higher price you can sell it for. I know someone who makes furniture and offer customers a choice of decoration pieces designs.Again him, I can not stress enough to get feedback on your ideas from your customers. That feedback, plus your sales will give you a good idea where the ideas to help your business and which ones are not. Copyright DeFiore Enterprises 2004

A Checklist for Strategic Cost Cutting

Shutterstock

Q: What are some basic ways to cut costs for my small business?

    When a business owner asks this question, my first response was, "Is this what is most important right now?"

To find the answer, I would like to know if there is a thorough analysis of corporate financial statements and key performance indicators, and the relative profitability of the product or group of products, including the customer or customer group, salesperson or sales channels. I ask this because the information needs - as opposed to measured and rational desire - to cut costs is an indication that something is not working in the business model.

var

Relative

3 belt-tightening Mistakes to Avoid

6 Comments

Share your thoughts

Do not get me wrong, though - reducing the amount of money to fly if the door is a good strategy, and once I am convinced that cutting fat from the budget of sound business sense, I would use the following checklist to begin handle the cost.

New system Dial Telecom. Everything is up for grabs: landlines, internet, wireless providers, equipment and service plans. The first step, contact the Telecom consultant will analyze your needs may not be a constant charge. Instead, they take a percentage (usually 50 percent) of the savings they find, many consultants do not appear to you unless they can uncover enough savings to make it worth their time - and to you.

Quick Tip: If you are not using a modern VoIP-based system for telephone and internet connection a few, you should - it can save up to 50 percent of the cost of your equipment.

Implement policy no-brag business trip. Mud Fund budget travel and entertainment is often a black hole expensive tickets, suites and luxury foods. Finish this by instituting a written policy requiring employees to look for discount or cheaper alternatives. Then implement them. I had to save my company more than $ 5,000 per month by the staff for their travel budget.

Move your IT to the cloud. Move the software and digital files from your desktop into a virtual environment can be accessed via the internet can reduce the need to upgrade equipment and software every few years. To put perspective clouds efficiency savings, startup now reduce their IT build-out by a factor of 10 to 1 compared to 10 years ago.

Make crime overtime. For businesses hourly wages, overtime kill the bottom line. Yes, the weather and other factors may require more manpower at times, but in many cases, a business will know when to expect them. Intelligent planning to expand full-time or part-time staff saturated straight-time overtime wages to nearly eliminate the pay time-and-a-half. I've seen cases that resulted in savings of producing 10 to 20 percent.

Using credit to get discounts with vendors. Take advantage of early payment discounts offered by your vendor. If they do not offer them, ask them. Then hit your credit limit to pay your vendor immediately. Here's why: A 2 percent discount for payment within 10 days is equivalent to 72 percent APR. At that rate, it is almost guaranteed to come continue to use your credit limit. You also will probably move to the head of the line as a VIP customer from a vendor you.

Whatever steps you take, do not wing it. Writing a plan and assign clear responsibility and managerial authority to implement each task. By the time you're done with the first round of cost-cutting, you're ready - and more experienced - to do it all again.

Build Your Home workspace

WorkspaceEquipping complement your workspace with your home appliances, furniture, technology, communications, and equipment you'll need to run a business you need to consider three main factors - the needs of business, personal comfort, and budget.

The need for office equipment, tools, technology, and communication varies different types of business plan. But every business needs at least a few items from each of the five main categories of work space at home: furniture, equipment, technology, communications, and supplies. Each category is discussed in more detail later in the second edition chapter.The for comfort, which is of particular concern for home business operators are putting in long hours at their desk in front of computer or phone. You can not cut corners in abundance. To be productive in the long run, you should be comfortable. In recent years, many new physical illnesses, such as carpal tunnel syndrome, is associated with many hours spent doing repetitive tasks, such as typing keyboard.Therefore, you need to focus on long-term effects an incorrect physical tools and lighting. Ergonomics, the study of the proper position of your body while at rest or working, can play a major role in ensuring the comfort and maintain good physical health in the long run. Once set up and equip your home office, you'll want to ensure ergonomically correct. To help you plan, you can buy a book on ergonomics ergonomics or visit online, ergonomics.org, providing in-depth information, links, and resources related to ergonomics.The third major factor when it completed Your home office is your budget. Here are five ways of financially challenged entrepreneurs can substantially reduce the cost of equipment office furniture, computers, and communication products or reduce the amount of down payment required: barter. You can barter and ikakalakal for furniture and office equipment. For example, if you operate a painting, ask a local office supplier if they are interested in trading for paint tools work office. You can also join a local club and exchange trading of any product or service that you are selling with a member who sells furniture and office equipment. BarterNews is an online magazine dedicated to the world of business exchange club, organization, and industry information. There are so many club swap web. To find the barter exchange, see Bartermax, or International Reciprocal Trade Association. Or just network with local business owners and see what you can do for each other. Borrow. Make a list of all the equipment needed office furniture and equipment that you need and then distribute copies to friends and family members. You will be amazed at how many things you need to start and run your business stowed away in the basement, garage and attic, waiting to adopt. Most of my friends and family do not mind if you borrow things. In fact, many may be happy just to get rid of them and free up some space for more clutter.Buy seconds or floor models. Call around to your local outfitters office and ask about the second floor of the factory and models that are available. Often you can save as 25 percent off retail prices by buying second with mild disabilities or floor model no wrong except fingerprint and some former smudges.Purchase. Buying used equipment and office furniture and save as much as 75 percent or more of the retail price. A good place to start your search for used office equipment auctions, business closeouts, hair line, garage sales, and retailers that sell second-hand office furniture, equipment, and computers. Also look for businesses to move or close, if you know what you want, you can get a good discounts.Lease. Take route no-money-down and lease new office furniture, equipment, and computers. You have to pay for a monthly item, but do not spend the capital to buy, the capital can be used for marketing. Lease payments are tax be invalidated and you will use the new equipment with full warranty. The downside of leasing is that you can not count the things you hire as an asset. You can also rent tools and equipment. Really rent equipment for a particular job when you need it, so you do not have to spend much to buy. Be careful when lending and rental you never pay more for the item than if you bought it and paid for it. Getting Office Furniture and Accessories You Need

Every business has different requirements for furniture and office equipment. If clients will visit your home office, furniture and equipment must demonstrate the use, both in appearance and function. If you have clients visiting your home office, you will have a little more range on your equipment and tool selection. It's not really important if the color does not match, if you buy a second-hand table in the garage sale of your neighbor, or even choose to develop some of the items themselves. All that's really important that your tools and equipment to do what they need to do and reliable and comfortable. So what are the basics that every room in the house needs work, regardless of the type of business? Desk or work station

Depending on the percentage of time you spend at the table does not work on your computer, you can decide whether you want a traditional table with a computer here or a computer table with some desk space. Often, the table is used to serve the purpose. The same applies used computer desk, which is often a good, cheap alternative to new. Either way, the reason why you should look for a specific computer tool is because it is designed to be at the right height for a computer chair computer equipment with a strong and wide enough to hold. Computers are getting lighter and most adjustable seat, an alternative computer tool more feasible than in previous years.If you need drawers to store a lot of things you want, but the site, then by all ng way to find a table with drawers. If you are comfortable with rolling file cabinet under your computer desk, out of the box may not be necessary. Consider rearranging your workspace more difficult with older, traditional heavy table, especially in a large box that tend to accumulate a lot of junk. But some people just do not feel like they know they do not sit on the large table. Wooden tables tend to appear more wonderful clients, who can score points for business.When buy a table, check the box has enough space for your needs and to open and close properly. Metal suspension rollers last longer than plastic or other alternatives. Wood and construction will show the quality of the table. Look below and see if the quality of the material is consistent throughout and not just on the surface. For example, if the bottom drawer staples hold together, it is not a sign of quality. Heavy wooden tables used in a better and more solid construction. Also, if the wood table has rounded corners, are more likely to model higher-end. Most suppliers are currently selling office furniture table made of wood with a laminate finish, which may help the wood resist scratches and dents.Measure of your office space before shopping for furniture, so you'll know exactly what fit. Then, while shopping, measure the height of a table desk, and standing tools so you know how much room they allowed for under the filing cabinet or other types of tables storage.Computer created for computer at a comfortable height, assuming that the monitor is in stand. For this reason, the preferred desktop computers for computer desk, because the laptop or notebook can cause back pain if the user keeps leaning towards the screen. Some people like the keyboard tray moves, the other does not matter. Again, your preferences on what's important. Also, remember that unless you are doing computer programming or exclusive same work, a need for space to perform tasks away from the computer. Many people focus all their attention on the computer and tend to forget that there is no need for reference books, paper, and table lamps. Make sure you leave enough space for whatever needs you expect the table - including some open space.Lastly, computer cable into consideration before you make your purchase. Modern desk and computer desk usually designed for a wired computer network. Old table, however, is not. You'll want to position the table in such a way as to minimize the length of cable between the desk and the wall. Do not cut the old table with a potential value. It is easy to hide cables in several ways, such as recording a downward Alternative desk.Desk

If your home office is part of another room, you can choose to create a table of tools closets, drawers or doors may hide other storage space. Specifically created for use in a home office, many closets allows you to have a work space with a shelf, storage, and even a sliding keyboard tray computer in one unit with a door that can be closed when the company was over. Built as a center of work, often with the cabinet file drawers, adjustable shelves, and nooks and crannies for storage of supplies. You also want to find accommodation for the cable network computer, which is included in the latest models.Countertops or flat areas such as usually not big or strong enough to be considered as a workstation. Some home office has a counter built around some or all of the perimeter, extending far enough to hold a computer and / or printer, but need additional reinforcement to support the technological equipment. May construct the piece back to accommodate wire and drawers. If you have a counter or workstation extends from the wall, carefully measure both the depth and the height from the floor. Sit comfortable and see how high you want to work with your feet on the seat floor.Comfortable

If you can splurge on only one piece of office furniture, chairs should be comfortable and ergonomically correct luxury goods, especially if you make your business in front of the computer or on the phone for a long time. I'm having lots of uncomfortable chair until I decided several years ago to splurge on comfortable chairs and high quality for my office. All I can say is that I have done it 10 years earlier. Sit comfortable in a chair all day is like running a marathon in shoes two sizes too small, they will leave physical objects agony.Key to check the distance from the seat to the floor (or height adjustable), adjustable armrests, and adjustable seat position. Try seat to find one that feels comfortable. You can buy a computer chair on wheels, so you can scroll to the file cabinet when Cabinet necessary.Filing

There are many choices when buying a filing cabinet, most of them are cheap, especially the former. The two-drawer file cabinet for hanging portable so popular, because you can slide under the computer desk or tuck one corner and move it when needed. In fact, some people will roll them in their closets when not using them, because they also fit under hanging clothes.Three-and four-drawer file clearly tower can accommodate more and more common have a choice, like drawers designed to accommodate a CD / DVD. Lateral file cabinet will work only if you have enough wall space. Disadvantage is that it is heavier to move and requires bending to access the file. The advantage is that if it's a good height you can set the fax machine and / or printer top.If tight on money, you do not need to invest in a filing cabinet file to the client immediately. Instead, for about five bucks you can buy an accordion-style file storage boxes store up to 100 documents. Enough storage space file to get going, especially if you buy one for business records and the second for client files. Obviously, as your business grows, you will want to invest in a quality cabinet with locking mechanisms.BookshelvesBookshelves also be required to work at home. Besides the obvious use of the ledger, they can also be used for office supplies, in and out boxes, mail, radio or CD player, CD, DVD, and just about anything you need easily accessible. There are many websites of various office supplies and office supply store in any of the main shopping area. Ikea is a place to look if you do not mind the shelf assembly shelf yourself.LightingAs over time, things can get a little more out of focus. Natural light from the great windows and skylights, but will also need quality electrical lighting, which can make a big difference in reducing eye fatigue and increasing productivity. In addition to the bright lights overhead, as well invest a few dollars in a good desk or clamp work light that can be positioned to illuminate specific tasks.Office Furniture and Equipment Costs

Figure 7.2, Office Furniture and Equipment Expense Worksheet will help you calculate the cost to acquire the tools and equipment for your workspace. Again, ignore the items that are not relevant to your business and add items specifically it.Figure 7-2. Office Furniture and Equipment Expense $ WorksheetQuantity CostDesk Unit Cost Total $ ______ $ _________ $ _________ $ _________ Office Chairs ______ $ _________ Client sitting ______ $ _________ $ _________ File cabinet ______ $ _________ $ _________ $ _________ $ ______ Bookcases _________ worktable (s) ______ lighting _________ $ _________ $ _________ $ $ ______ Work _________ fireproof safe box ______ $ _________ $ _________ $ _________ ______ Storage Photocopier ______ $ _________ $ _________ $ _________ postage meter ______ $ _________ $ _________ Radio or CD Player ______ $ _________ $ _________ Paper Shredder ______ $ _________ $ _________ recycle bin ______ $ _________ $ _________ labeling machine ______ $ _________ $ _________ $ _______________ wastebasket Other _______________________ $ _________ $ _________ $ _________ $ _________ $ _________ Other _______________________

Getting Amount $ _________ Technology You Need

There is a basic technology that every business needs: computer, monitor, operating system, software, modem, printer, and digital camera.Computer

Suppose that you know how to use a computer (if not, sign up for computer training at your local college), the main consideration is the processing speed and data storage capacity.

Are you planning to buy a desktop computer or intended to use one you already have, you should look for the following things: At least 1 gigabyte (GB) of Ramat least 200, if not 250 or more gigabytes (GB) of hard drive (much much better) of at least 2.3 or 2.8 gigahertz (GHz) processing speedAt at least four USB (universal serial bus) connections for peripherals, including printers and A scanner is usually possible drive DVD / CD burnerA burnerWindows XP operating system (Vista now not as "wonderful" as charged, which means you can get XP for less money and interfaces with many other People also have not taken the opportunity with Vista) An internal Moderna 3D graphics card, which will allow you. to use the latest software programs5.1 surround sound (not great for your purposes, but it is always a plus for sound quality, such as background music while you work) A firewall and antivirus software (firewall must be part of your purchase agreement,. antivirus program, considering the PC-cillin, Norton, 2008, or other anti-virus programs lead) The main part of your computer's processor (also known as the central processing unit, CPU) is part running the program. A CPU typically cost between $ 400 and $ 1,000 and are usually Packed (or bundle) with a keyboard, monitor, speakers, and mouse, giving discounts to buy them all year separately.MonitorsFor monitor typical home computer has become the familiar types with big backs, like television. It is seen that it uses a cathode ray tube (CRT) television we have witnessed in recent years, with many of the points a little phosphorus in glass tubes, each of which generates a line, with All lines to create an image. The latest trends in flat panel monitor LCD (liquid crystal display) monitor, using plasma and light-emitting diodes. While LCD monitors are more technical to explain, they offered to look slimmer than their CRT counterparts. Flat-panel monitors more space and more light, often weighing less than 20 pounds, much less than the CRT monitor, typically weighing 35 45 pounds. Here are some key differences to make it less confusing shopping for monitors: LCD monitors cost a little more than monitor CRTs.LCD usually have sharper picture than CRT, although the monitor is not sharp colors.LCD not have time to time the flashes can sometimes experience sa monitor.To CRT clear view LCD monitor, you have to be in front of him, if not, the picture on the screen may appear distorted. A CRT monitor, however, can see clearly from different monitors angles.LCD more energy efficient than CRT monitors.Monitors range from $ 170 to $ 2,000, depending only on the size and clarity. Most people will buy a good quality monitor in the range of $ 300 to $ 700. Again, look for a deal or working agreements with CPU.Keyboard and MouseStudies shown that ergonomics should play a major role in your decision on what to buy a keyboard and mouse for your computer. The reason is that the hand, wrist, arm, and shoulder position is influenced by the mouse and keyboard. Each must be balanced to reduce the potential for damage. You also may want to consider buying a set of wireless keyboard and mouse freeing up space on your desk and get rid of those pesky seem to wire wrapped all around. Plan on spending about $ 50 to $ 70 keyboard, $ 20 to $ 60 on a mouse, or $ 70 to $ 130 in both. It has often worked on the cost of the package - CPU, monitor, keyboard, and mouse - as important as the seller to get you to buy the monitor slightly better by almost threw the keyboard and mouse. Find package deals, but do not be afraid to ask for an item is changed if you want another.Modem

Most computers today have a standard 56K modem, necessary to connect to the internet. You can also opt for a more expensive modem, giving you the ability to connect to high-speed internet connectivity, which allows you to download files up to 20 times faster than dial-up connection to the Internet, which is now part of past.Wireless modem

You can choose to go the wireless route with a wireless router. Router is rather small and included antenna. They can be at any location in the house, so you can use your computer in any room. Almost sure it having your own radio station signal Towers personal, only much, much smaller. "Hot spots," the wireless connection will go all directions. Therefore, you may want to choose a location that is not only central to your current computer, but also good for a laptop, if you decide to work in another part of the house. You can also use a router to a computer from a family member, even beyond that, I do not opt ​​for a computer network between business and one that is used for computer games. Depending on the speed and distance you need, you can buy a wireless router for anywhere from $ 25 to $ 250.Laptops and Notebook

If you want to work in different places around your office ... or around the house ... or in the backyard, there are a lot of laptop and notebook computers. Many weigh less than four pounds and strong enough to handle the same functions as a desktop, if not the greatest loss and more.The laptop notebook computer with smaller screen and keyboard. While it may take some time to be used while on the road, in your home office, you can use the docking station, which magically transform your laptop into a desktop. No, it has nothing to do with the Starship Enterprise. The docking station is really a platform where you can install a portable computer so you can use a full-size monitor, full size keyboard, printer, and other devices you devices.When shopping for a laptop, the same rules apply for the desktop. Nuance lock, screen size, and feel of the trackball, TrackPointT, or touchpad is a matter of convenience. How to look or feel to you? Finally, remember: the smaller the portion, the higher the price, so you can expect to pay a little more for a notebook. Popular laptop and notebook from Dell, Hewlett-Packard, Compaq, Toshiba, IBM, Sony, Gateway, Fujitsu, Acer, eMachines, and, of course, Apple. You can go to a good quality model for around $ 800.Printers

There are two types of printers, laser and inkjet. Which one you need depends on the type of business you run and your basic needs for fast printer.Laser printer, printing some 30 pages per minute. This is a powerful workhorse printer for someone with a higher volume of material and have the words printed on high-quality graphics and photos. Laser printers usually cost between $ 200 and $ 700, but cartridge, although not cheap, is worth less than their inkjet printers printers.Inkjet slower than their laser counterparts, but they can result in a higher level of color laser models colors and lower prices. Ink costs, however, will make them higher in the long run. This is a printer for businesses that require a higher level of graphic and photographic materials and do not have a high number of printed materials. You'll find an inkjet printer for $ 300 to $ 500.Yes, some business owners have both to meet their various needs.Once zeroed in on the needs of your printer, try Some models in the store and ask friends and neighbors to buy printer. It's easy to compare prices online and sell will tell you all positive. However, because the printer very frustrating when they stop working properly, you will want to get some good reviews and recommendations from people you know and printer model trust.Popular maker Canon, Epson, Oki Data , Brother, Lexmark, and Hewlett-Packard.Computer Data Storage

You'll want to stock up on a CD for your computer to store your data and backup all the important material. It can not be stressed often enough that you should back up your files regularly so you do not suddenly lose valuable customers, vendors, and personal data if your computer crashes or a power outage. You can also use USB flash drive, a device small, lightweight, removable and rewritable used to store computer data, such as the disk used, penetration is only stronger, because the disk might get bent or accidentally deleted easier. Digital Camera

A digital camera is required for the business owners of the house. You can take a picture of the product, the client, that the work is completed, or your trip to Florida, and then transfer them easily to your web site, e-mail, or desktop publishing program. You can easily create brochures, presentations, catalogs, and brochures using your own photos. Good quality digital cameras cost in the range of $ 200 to $ 500. Nikon, Canon, Sony, Panasonic, Olympus and USA is the leading digital company cameras.High-Tech Shopping TipsWhen spending for high-tech equipment for your business, it pays to buy from known reputable company that has been in business for some time and the possibility of still there should you need them if you have problems with your business equipment. Here are some other general shopping tips high technology: look for good deals. Fear not walk away if you do not get what you are buying t need.Don 'the wealth of features offered on top models, whether it's a computer or digital camera. Find the function t need.Don jump 'to the latest changes. You can often buy before the "hottest" item for a better price when the new model arrives. Except for the latest model has the features you actually need, go to model.Shop year warranty.Make well you get all the documents that came with the technical equipment and store in safe place.Buy companies and businesses to provide support. good computer tech Hardware, Accessories and Software Costs

The following Computer Hardware, Accessories, and Software Cost Worksheet (Figure 7.3) can help you calculate the cost of completing your new home workspace with the same technology. Ignore items that are not relevant to your business and add items specific to your business, such as required.Figure 7-3. Computer Hardware, Accessories, and Software Cost Unit Cost Total $ WorksheetQuantity CostDesk $ ______ $ _________ $ _________ $ _________ ______ Desktop computer Desktop Monitor ______ $ _________ $ _________ $ _________ Keyboard and Mouse ______ $ _________ $ _________ $ _________ $ ______ modem _________ Notebook or laptop computer ______ $ _________ $ _________ $ _________ $ ______ Printer PowerPoint projector ______ _________ $ _________ $ _________ Palm organizer ______ $ _________ $ _________ $ _________ $ ______ Scanner camera Digital ______ _________ $ _________ $ _________ surge protection ______ $ _________ $ _________ UPS (uninterruptible / Universal power supply)

FreshDirect vs via Peapod: Food Fight online New York

In New York a lot, Trish Shortell old customers from FreshDirect, the No. 1 online grocery store in the city. But Shortell, a recruiter for a New York advertising agency and a mother of three, began to find a selection of FreshDirect is lacking and the prices a bit rich, even by New York standards. Cooked wild king crab legs go for $ 24.99 per pound, and Swiss Gruyère cheese, aged 14 months in Cave Alpine, $ 19.99 per pound. So lately Shortell will transfer some purchases via Peapod, an online grocery store owned by rival Dutch retailer ahold. That's good news for the smugglers, who charge $ 2.79 for a half gallon of farmland Special Request Skim Plus milk Fat-free, $ 1.50 cheaper than FreshDirect. Proud of PEG Merzbacher, director of marketing via Peapod: "We priced supermarket outside the city." Poses a challenge for FreshDirect, an orange and green delivery truck decided the streets of Manhattan double parked for a decade. Now its drivers jockey for space on the roadside from Van via Peapod. Although a relatively new kid on the block in New York, the internet via Peapod Grocer is the largest in the U.S., thanks in part to a partnership with the Stop large bricks-and-mortar stores ahold & Shop and Giant supermarket chain stretching East Coast.

 It waited until 2011, though, to enter Manhattan, where FreshDirect estimate has 80 percent of the market. To catch up, via Peapod offers free shipping for new customers and lower prices on items such as coffee daily and upcoming milk.That lure enough buyers to give via Peapod getting sales more than 10 percent in 2012, the same increase estimated this year, said Merzbacher. Will help achieve its growth objectives ahold of tripling the global online sales of € 1.5 billion ($ 2 billion) in 2016. U.S. consumers will buy $ 21000000000 shopping on the Web in 2016, a surge of 52 percent from last year, estimates Forrester Research (forr) closely held FreshDirect expects consumers will remain loyal to the fresh food and prepared foods that help drive sales. approximately $ 400 million last year, according to the company. "There is room for two competitors," said Tom Meyvis, a professor of marketing at New York University Stern School of Business. "What you can do is focus less via Peapod gourmet segment and emphasize regular products at competitive prices." Via Peapod, founded by brothers Andrew and Thomas Parkinson in suburban Chicago in 1989 , is obtained by ahold in 2000, as the dot-com bubble burst. Now selling to the East Coast and in some Midwestern markets. Peapod avoided Manhattan for years, partly because of snarling traffic and tight parking regulations may make delivery business nightmare. The FreshDirect is no issue with the newspaper reports that the driver who collected $ 600,000 in parking tickets during the first two challenges years.Despite company, Manhattan is an attractive market for wholesale online thanks to solid, Web-savvy, time-starved people. FreshDirect sales were 100 million dollars after two years, persuaded recommendation engine and booking system that promises delivery within two hours of the window. Now serves 100,000 active customers. After securing a strong presence in New York City and the surrounding Suburbs, FreshDirect extended plan October.Peapod Philadelphia win over Manhattan are expecting lower prices. Sell ​​12-ounce bag of Dunkin 'Donuts (DNKN) mix original ground coffee for $ 6.99, 30 percent cheaper than FreshDirect. Evian water, Skippy peanut butter, and Kellogg's Frosted Flakes with also cheaper. FreshDirect co-founder David McInerney said class company with fresh produce, meat, fish, and cheese provide a significant advantage over via Peapod. He said competition from natural foods purveyor Whole Foods Market (WFM), with seven locations in Manhattan, is a major issue. The company has built about 100 microwave meals, some co-branded with a popular Manhattan restaurant as a Rosa Mexican. Priced at about $ 9, the food appeals to busy New Yorkers who want fast food. "There is no competitive advantage in the packaging of food," said McInerney. "There are many people who can send a box of cereal." Bottom line: the purchase of U.S. consumer online shopping is expected to jump by 52 percent over the next four years.

Cyprus deadline ECB Funding Gives New Plan sought

Cyprus Police clashed with protesters, including employees of the Cyprus Popular Bank Pcl (CPB), outside Parliament President Nicos Anastasiades maneuver at home and forget about the Russian financial collapse. Looking to unlock an international bailout, Cyprus's central bank proposed a bill to overhaul the banking system will allow Famous Cyprus, the country's second-largest lender, to avoid a "catastrophic" submerged and protect insured deposits in the amount of € 100,000 ($ 129,000). Finance ministers from the euro zone, said they hoped the new proposal of Cyprus "as soon as possible" about how the government plans to raise € 5800000000 necessary to trigger the emergency loans. The ministers discussed the Cyprus at night this teleconference. Cyprus in June to euro-area countries to ask Salvage fifth after a restructuring of Greek debt, the largest in history, medical waste including finance lender Bank of Cyprus PLC (bocy) and Cyprus Popular. The euro traded at $ 1.2985 at 16:18 in New York, down 0.3 percent. The STOXX Europe 600 Index fell 0.7 percent to 294.47. Popular dissent On March 16, euro finance chiefs agreed to an unprecedented tax on bank deposits in Cyprus as officials unveiled 10 billion euros Salvage plan for the country. The government amended the proposal to exempt initial deposit up to € 20,000, but failed to win support in the mountains of the famous dissent parliament. When Cyprus presents a new proposal called troika overseeing the euro-area bailouts analyzed, the ministers euro "is ready to resume negotiations on the configuration of the program, while taking into account the parameters specified earlier," according to a statement today. "After the conclusion of the negotiations, the authorities in Cyprus to start the legislative elements of the deal," said Eurogroup, reiterate the importance of fully guarantee bank deposits of less than € 100,000. As the stalemate continues, the Standard & Poor's cut its rating on Cyprus by one notch to CCC from CCC +, citing a "chronic problem" in the banking industry of the island nation. Investors tend to ignore rankings, proved rally in U.S. Treasuries after the loss of class on the S & P in 2011. Pressure ECB "we may be downgraded if the Cypriot government failed to get financing program immediately," said S & P. "If the secure program, we can also downgraded the end of this year if we believe do not comply with the government program." Appears pressure the European Central Bank and the euro area now Anastasiades Treasury chief to deliver Salvage package, let's say the bank could cut funding for emergency Cyprus after March 25 unless a plan in place "to ensure the solvency of the bank. "Central Bank Governor Panicos Demetriades launches Bank Restructuring bill, saying it went" bank collapse risks, "helping to meet the conditions for an aid to European authorities and the International Monetary Fund and the Fund allows banks Cyprus reopen on March 26. His statement did not disclose the details of the plan. 'Big Boss' Despo Pambaka, 28, an employee of Cyprus famous for nearly five years, said he feared for his job. "This is not the Europe we want to go," he said during a protest outside parliament. "The big bosses running the bank take their bonuses and leave people to their own. We expect help from the EU and this is what we get. "The government has submitted a bill to create a" solidarity fund investment, "state television reported CYBC. These funds are intended to help improve the 5800000000 € is required to trigger the emergency loan, Athens News Agency reported. Finance Minister Michael Sarris said in Moscow that while Russia does not lend money to Cyprus, it saw investment in the energy industry. Russian conversation over possible role in funding, RIA Novosti news agency reported. President Vladimir Putin in Moscow today held discussions with Jose Barroso, European Commission president, Putin's spokesman Dmitry Peskov told reporters. Earlier, Prime Minister Dmitry Medvedev said the Cypriot financial turmoil could force Russia to examine the parts of the euro on international currency reserves, the fourth largest church in the world. German Hans Michelbach MP, a member of Chancellor Angela Merkel's Christian Democratic union, said the new plan seems to fall short Cyprus from € 5.8 billion euro 1000000000 targets and increase the country's debt. "There is no help for Cyprus without the full implementation of all the major points," said Michelbach. "Cyprus has it's own hands to prevent the bankruptcy of the state, but the deadline runs." To contact the reporter on this story: Tom Stoukas in Nicosia on astoukas@bloomberg.net, Tony Czuczka in Berlin aczuczka @ Bloomberg. net To contact the editor responsible for this story: Stephen Foxwell at sfoxwell@bloomberg.net

Investors Turn Home With Rental Atlanta foreclosed

After millions of Americans to lose their homes to foreclosure, bargain-hunting investors stepped in to buy them. At first, many investors seemed to view the properties quickly with only a slight improvement or repair. Over time, as it would be difficult to find buyers, investors began renting the home en mass increasing number of people in need of housing, including rental lost their home to a new study by Dan Immergluck foreclosure. A, a professor at the Georgia Institute of Technology, was one of the first on-ground reporting on the effects of investor experience in the rental market. Immergluck the trend in Atlanta as part of a four-city study by the Urban Institute What Works Collaborative. (Case study is not yet published). He found more than 8,000 investors making purchases in the city between 2008 and 2011. In the past, investors are buying very active in neighborhoods with high poverty and vacancy rates, lower home values, and a large African American. As the housing problem spread among income, investors followed.How investor to buy a home is important for the community. When homes go into foreclosure, was auctioned off on the Courthouse steps. If the house does not sell there, it belongs to the bank, to sell directly to investors, usually in plural agreement, or in the open market through a public listing. Investors Immergluck said they cost between $ 19,000 and $ 70,000 to buy and renovate the house and that they expect the annual rate of return of about 8 percent to 15 percent of their rent that house sold in bulk out.Although lower cost or auction, buy it in a way It's risky, said some investors were interviewed in the study, because they do not get a chance to go to the properties before you buy it. Some say they're trying to visit the house and his colleagues in another window even Immergluck said he went home to tell people that he worked for a bank. But investors can easily lead to properties in poor condition, raising the possibility that they can dispose of property and cut their losses. They may let the house sit empty and deteriorate than to pay for maintenance, or they may sell to investors predators more landlords.Some retain the properties of their own, while others hire outside managers to make repairs, collecting rent checks, and manage the day-to-day activities. Manager is a weak link, reducing profits for investors and become unresponsive to tenants. Immergluck One investor said: "C-The best work is not a property manager" investors often find managers are not aligned incentives to owners. For example, some property managers are paid for signing up new tenants, creating more motivation to keep existing tenants happy by providing prompt service and repairs.Since time covered in the study Immergluck, a new trend has hit Atlanta. Leading national private equity firms such as Colony Capital and Blackstone Group (BX) has dipped of distressed homes, especially in middle-income neighborhoods. New buyers more likely to buy property at auction in Courthouse, and investors working in the area said the new investors are paying too much, something that big investors decline. "A big question is what they do when they get unfavorable nature," Immergluck said. He supervise them, as well as the relevant case studies in other cities, as investors become landlords of single family homes at an unprecedented rate.

HP CEO Whitman Dubs Windows 8 Work Progress

More of Meg Whitman doubt out there. Some say the former eBay (eBay) chief executive officer is not necessarily a large company experience to run a $ 120 billion organization such as Hewlett-Packard (HPQ). Others contend that he was more than a smooth talker rather than down-and-dirty operators. "What I learned in my political career," said Whitman, "with many experts. Everyone has an opinion about everything. "In the cover story of our recent hard work HP, Whitman dished on his strategy to revive the electronics maker and how he is the right person for the CEO job. In a chat for an hour in Palo Alto, California, headquarters of HP, Whitman discussion of other topics as well, including his take on Windows 8, smartphones, and HP's top executives. The interview took place on the night of January 8 Whitman spent the day flying across the country. He knocked back a cup of coffee and her usual friendly, intelligent self.HP have some better looking Windows 8 machine sold today, including hybrid units like EliteBook 2760p tablet PC, a laptop screen can be removed for use as a tablet. This system helps companies claw back some market share in the PC, Whitman said, though overall, Windows 8 is not formed a large sales spike. "Listen, Windows 8 does not appear to develop the market," said Whitman. "But we are in the early days, and the magnitude of changes in the user interface, and features durable. We have to put into it. I believe. We will continue to invest in the platform. Every time you do something of this magnitude in this type of environment, you have to put it. "One thing HP does not cease to have a coherent strategy kind of smartphone. Back before becoming smartphone must-have gadget, the HP iPaq actually has a booming business and dominate the smartphone market. Since then, the company has let its own devices languish, buy Palm to try and revive them, and then close the Palm about 18 months later, after the lackluster sales of the product. In our conversation, Whitman asserts his conviction that HP should have a smartphone soon. "We have a lot of work to begin," said Whitman. Which means what exactly? People only think about their actual product development or working on one? "Our technology strategy about it," said Whitman. "We do not have an MBA strategy about it." Oh, I've got see.If prove some people seem to blame HP for not having a hot-precious tablet or smartphone, Todd Bradley, head of PC business enterprise a long time. He, like many people at Microsoft (MSFT), Intel (INTC), and elsewhere, is managed, by destroying, to ignore the substantial changes to mobile computing. Whitman seems to get over it and will even put the print division under charge Bradley too. "Todd took the PC business of $ 20 billion to $ 40 billion from money losers in the most profitable PC business in the world," said Whitman. "I was not here, but yes, they lose the phone. Then they bought Palm to really find out. I got through it, they'll shut it down. My view is that if you make acquisitions like that, you have to put it. Not only can you customize falter. Whose fault is it? I do not know. My view: It is what it is. You can not change the past. "On the other side of our conversation, Whitman bragged about the new HP Tablet Windows 8 and about the upcoming server chips based on ARM, pointing to the same product as evidence that HP started a place where he can innovate. Whitman readily admits that HP is through the wringer in the last two years. However, he stated that the foundation of the company is better than many people think and feel that HP has a lot of innovative people who just need a change to allow the product to shine.HP talent they may be missing the main areas, and the other came late but Whitman stated that the impact of Cloud computing is just starting to play. The company will change the way they purchase devices and software on a large scale and this interference should give HP a chance. "We want to take advantage of the changes, the tectonic plates in the industry," he said. "I would be concerned if there were not so many changes."

Housing Bottom? Fannie Mae Will not Find Tax Dollars

Evidence is mounting that U.S. home prices finally hit bottom, and now is the best news: Fannie Mae said that for the first time since 2008, does not need money from the Treasury balance books.Fannie Mae, supporters bulk of U.S. home loans, which used to boast that it is safe even from a severe slump in the housing market. To be really tragic. It has attracted $ 117 billion in aid since taken over by federal regulators in the announcement 2008.Fannie 's is good news on two numbers: mean taxpayers do not need to spend money to support Fannie (at least relative to the first quarter may require support in the front). More importantly, another signal that the housing is getting ready to turn Fannie corner.In press release (PDF) about the company's $ 2.7 billion first-quarter profit in its positive developments in the housing market. Credit losses declined due to "lack of a significant decline in home prices, declining inventories of single family real estate owned (REO) properties coupled with increased selling prices and lower REO single-family serious delinquency rates. "National Association of Realtors said today that the average price of home sales increased in the first quarter from a year earlier in 74 of 146 metropolitan areas measured.Another positive sign: Fiserv, which puts the Case-Shiller index of home prices, said on the 8th May that thanks to falling home prices and low mortgage rates, the monthly payment for a median-priced homes represent 12 percent of the median family income, the lowest percentage since records began in 1971. "Almost all non-price measures, existing home sales, the volume of orders increased, the increase in spending on home improvements, multi-family construction surge, indicating that the housing sector hit bottom last year and started along the path of a slow recovery," said David Tough, chief economist for Fiserv, in press release.To sure, millions of homes are still worth less than the mortgages on them. A dark cloud over the market. Today the Federal Housing Administration says the number of FHA-insured loans surged in March. Half of the Mortgage is revised to facilitate the payment terms to default again within a year or so later, Bloomberg News reported.

How to Use Ladder Safely

Transcript

Leslie: Well, if you're heading out to fix the house up high, stable ladder should be. But in addition to have a ladder, you really need to understand how to use them properly, to ensure that gravity will not get the best of you.

Tom: Well, it's true. Ladder falls send hundreds of people to the emergency room every year and some fall even fatal. Joining us now with both up and down stairs safety Tom Silva, general contractor of this TV Old House.

And Tom, I have to tell you, as a victim of the same household to leave a trace on me from head to toe, I'm sure you know some of your own experiences.

Leslie: Oh, no.

Tom: No need for a lot of stairs to turn against you, is it?

Tom Silva: It really does not take much for a ladder to turn against you. I had a break on me once.

Tom: Yes.

Tom Silva: Yes, yes.

Tom: So, I think the most common mistake people have their settings are not correct ladder. They are too vertical, they are not quite vertical.

Leslie: This is not an actual ladder.

Tom: Yes.

Tom Silva: Yes, I would step back and say something. I think the biggest mistakes people make when buying a stairway to buy the cheapest they can find.

Tom: Right. And it was a crucial mistake.

Tom Silva: And that was a big mistake.

But yes, I know how to set the ladder is very, very important. You want to be sure of reaching the right. You want to make sure it is the correct angle: not too steep, not too shallow, I have to say?

Tom: mm-hmm. Yep.

Tom Silva: So the idea is number one, also make sure not inside-out. Some of the steps can be set differently than others and if you have a good quality ladder, you will see that the rotation crusade - the flat part.

Tom: Right.

Tom Silva: flat side, you have to stand on, it's easier on your feet.

The other thing is you want to make sure that when you set the ladder at the correct angle, some of the steps might actually be square in the side of the stairs for you ...

Tom: As the triangle.

Tom Silva: That's right. You line up, almost like a small square framing.

Tom: Right.

Tom Silva: And you set the frame of the square on the right angle so that the plumb and level. And that tells you that. If you do not have one, if you stand with your feet against the bottom of the ladder and run your hand out shoulder height, palms you should sit flat on the tread.

Tom: That's kind of a good standard.

Now, where are the stairs to see the earth is important.

Tom Silva: Right.

Tom: Now, if on the ground, a good idea to flip the pot, so to speak, under the stairs so it's really hit the ground?

Tom Silva: Yes. Yes, if you see the stairs, you'll see that it's flappers or legs. Many people leave it on flat ground. Basically you want to flip them so that the teeth will dig into the ground.

It is also important to try to level the ground. So if you have - I always carry a hammer to me, who I am.

Tom: Right.

Tom Silva: I actually have one with me right now, though.

But I actually took a hammer and I dig that piece of land, just big enough to get the bottom of the stairs in it, and make sure the building goes down stairs.

Leslie: Now, what if you're leaning your ladder against your house? I mean a lot of times, you have gutters and they really are the sturdiest structure rests.

Tom Silva: Not if they do not it's an aluminum gutter and - basically, the type of aluminum gutter brackets can make a big difference. If you have a channel spike-and-ferrule ...

Tom: Now, something like that - when you say "ferrules" some kind of tube that long nails are going through, right?

Tom Silva: Yes. And the spike and ferrules actually not allowed to be compressed to channel ladder leans against it. But if you do not see the head of the nail - panel-front gutters - you do not need to spike and ferrules and a ladder leaning against the aluminum gutters, you can actually pop Fasteners canal and compresses the canal.

So you want something that you climb the ladder. Once again, you have to be careful when you go, because you do not want to pop them. Slide the 2x4 in there against the inner edge and fascia board and will stop the ladder from the gutter press.

Tom: Some other things to note: overhead wires, of course. You can always look up to. Every once in a while, we hear about a man who was electrocuted as they do not do that.

Tom Silva: Right. You do not see electricity with aluminum ladder, by the way. Have you seen ...

Leslie: No way.

Tom: For good reason.

Tom Silva: That's right, fiberglass. Because he knows. If you hit the wire, you will be electrocuted. And also, a tree limb.

Another useful thing you want to be sure - you can also use the stand-off that actually hold the ladder away from you. So if you paint the window, stand-off on each side of the window and you can paint there. Because you do not want to be too low, the ladder should always be higher than they have to work with stairs. So if you are going on the roof, roof ladder must pass 3 or 4 feet.

Tom: And the stand-off is very useful, because they allow you to sort of work around the household. Always, if you are on the stairs and trying to do something - it happens every year when I hang holiday lights.

Tom Silva: Yes.

Tom: You get to the point where it's just almost too close behind.

Tom Silva: Yes, yes. Get you to the top, you specifically - you need to stand back and not smart.

Tom: No, not a good idea.

Tom Silva: The stand-off actually - I like the actual stand-off, I think they are great.

Leslie: Now, what about the step ladder? I think people just really excited about it because, you know, a few steps from the ground. "How dangerous is it?"

Tom Silva: This is a big, big step, yes.

Tom: Yes.

Tom Silva: Yes, it can be very dangerous.

Tom: A brave, too, when he said, "Do not step on the top step."

Tom Silva: Yeah, they said no. It is always great - really, uppercase. What do people do?

Tom: Right. Big, red letters, right?

Leslie: Which means: "Stand here."

Tom Silva: Yes. And that people think: they stood there.

Tom: Yes, exactly. Yes.

Tom Silva: I do not want to see people stand up and down or both. You must be a third and lower, because you do not have any balance, you do not need anything to hold the vehicle. You can hang the lights and think about it: you're in the air at the top of the stairs?

Tom: My favorite step ladder step ladder is one-sided. I have fiberglass siding. It is good for the father-son project.

Tom Silva: Yes, definitely.

Tom: And it's very stable.

Tom Silva: And they're not solid on both sides. There are many times when you want to get to the other side of the ladder.

Tom: Right.

Tom Silva: These steps are really good. I agree with you.

Tom: So the ladder is a great tool but you have to really be careful to ensure that gravity always remains your friend.

Tom Silva: And a good buy.

Tom: And buy a high quality. The Great advice. This Old House Tom Silva of the TV, thank you so much for stopping by The Money Pit.

Tom Silva: As always, my pleasure.

Look at the U.S. and Europe for growth

IN terms of regional preferences we have less positive about equities England than in the U.S. and continental European equities for some time.

We feel that the announcement of an ambitious fiscal consolidation will hamper economic growth and provide a headwind for the UK domestic-oriented companies.

That said, there are arguments in favor of UK equities, and we really like them to other local assets, mainly gilts. Major UK companies get most of their revenue from overseas. Geographical distribution of income is very difficult to measure. This is not a formal requirement to report and publish freely to attract corporate number limit their preferred area.

As a rough proxy though, it is interesting to look at the FTSE 100 index, AOS 10 largest companies. Together they account for almost half of the index, the market capitalization of AOS. Energy, material and financial companies tend to make sales around the world prices are determined and highly dependent on the economic cycle that sees the world. This is especially true in Asia where the likes of HSBC (11% of 2010 total net interest of Hong Kong only), Standard Chartered (20% of 2010 operating profit from India), and BHP Billiton (28% 2011 revenue from China ) involved. In addition, European, AOS is important not to be overlooked, for example, the area responsible for 60% of Vodafone, AOS 2010 sales.

The full size of the combined UK consumer sector is important, especially in comparison to global developed market equities. Given household names such as Kingfisher, Marks & Spencer, Next, ITV, Tesco, J Sainsbury and Wm Morrison, the UK consumer healthcare clearly still important.

UK households buffeted in recent times but there are early signs that the economy may be starting to ease. UK Data surprise index, AI learned to trade measures, employment, retail sales, house prices, manufacturing and services, AI trending upwards lately. In addition, inflation will continue to fall for several months now will get a modest boost in disposable income, albeit from a low base.

England, AOS overweight exposure to the energy sector is also significant. The presence of global giants BP and Royal Dutch Shell is the UK market, the largest sector AOS. Oil prices are likely to remain high in the medium term and should prove positive for the sector.

Although there are several columns constructive to make the case for UK equities, it is still not developed AOS our favorite markets. We prefer the United States and Europe (ex UK) on the basis of solid earnings growth seen in the former and the latter excessive punishment for the debt crisis. However, the UK market is relatively cheap in terms of price-to-earnings ratio. Also offers a dividend yield higher than the global developed market equities.

Plan continue to be able to secure a good deal

Selling a business is the most important founders of the transaction were ever after. When planning for a change in ownership of the key is to get your business in the best shape.

But how do you maximize your return? I suggest that planning should begin in the year prior to the date of sale to ensure that your business is organized flawless.

It is essential that businesses have a strong management team in the second level of experience, knowledge and competent employees who can take forward.

A strong company with a book, order history both safe and good management of cash, even with the freeholds and intellectual property, will attract both multiple and interest from prospective buyers.

Ensure that your business is respected in his field. What is your unique marketable proposition? Why consumers would be interested to get your business? You need a compelling story that focuses on the strength of the company.

When you recommend shareholders of future plans, trying to determine the consumer a clear two years before the company came to market. Find their acquisition and learning their business. Establish your business in line with consumer preferred if you plan ahead.

Competitors also need to know your strengths. PR and marketing effectively build brands and kindness in target sectors.

To maximize the potential of your company, you should seek expert advice. The appropriate professional advisors will add real, tangible value. Finance and accounting advisers Company is key to ensuring financial and clearly presented and well structured stock.

These are the insights that change the value of a business before and during the disposal process by identifying and negotiating with prospective buyers. Attorneys will advise on legal compliance and business structure.

Consumers make decisions based not only on performance, but also potential. Your counselor can increase the confidence with detailed forward planning and financial forecasting. Devil in the details, so start your own business plan for sale at the site, the better.

Finley arrangements recognized for community work

A COUNTY Durham firm is known for his work in the community after the show hundreds of school steel fabrication process. Newton Aycliffe-based settings Finley Award Amount awarded to Carillion company developed for community interaction. Finley Carillion is one of the main sub-contractors and their fabricates steel and set up the framework for a lot of 30-plus new-build schools in Carillion built in the North-East over the last few years. Hundreds of children have passed through the factory Finley Aycliffe Business Park to see how the raw ore is at the core of their new building, before signing a steel plate welded to permanent and included in the development. Carillion's operations director David Kennedy praised the family-run company, saying: "More than 130 children visited Finley structure to see their school being built and they make a wonderful experience. "We take young people to see the steel made and we also took them to see the bricks are made, so they get a real insight into how it all together, so that when it is completed that they will feel that they are involved in every step of the way. ' John Finley, managing director of a steel company, added: "It is a pleasure to see the young people who come to our factory to gain insight into the working world and find their own new school built almost from scratch. "It's always good to involve young people wherever we can and It's rewarding to see them come and learn so much about our operation. Our doors are always open. ' Carillion plc is one of the UK's largest support services and construction companies and has recently worked in 22 schools in the North-East and six in Durham.