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Month: April 2017

How to Deal With a Nosy Boss

A boss who would want to know about particular aspects of your life that are not work related can be very annoying. There are bosses who try to meddle in the personal lives of their employees hence causing them unnecessary embarrassment. When such situations arise, it is important to take control of the situation before it gets out of hand.

There are various ways in which you can deal with this kind of a boss. To begin with, you should request for a meeting in which you talk and agree that your personal life is separate from your work. Make it clear that you will not tolerate any lapses.

If you realize that your boss is not willing to stop this annoying habit, then it is advisable to approach someone else in the organization. You should approach a Human Resource officer who will in turn communicate your reservations to the boss.

You should also ensure that you do not discuss your personal issues with colleagues in the office. Such information has a way of getting back to a nosy boss hence keeping him in the know about your life. It is also advisable to avoid attending social events with colleagues and bosses. This especially applies to events that are not work related.

Ensuring that your work performance is above reproach would also prove very effective in dealing with a nosy boss. When your boss sees the standard of your work, he will not have to look for scapegoats in form of your personal life to blame it on. Tardiness and incomplete work could very easily be blamed on distractions arising from the home front.

In some cases a boss can be perceived as nosy whereas he is not aware of doing so. In such cases you need to give him examples of when you felt that had crossed the line. This will make him more aware of his behavior.

In addition, you can also deal with a nosy boss by being careful with voice messages and emails you receive while in the work place. Since it might be easy for your boss to access your office email, you should be careful about those that you consider as personal and instead use a different email account.

Sometimes, company doctors might leak out personal information intentionally. It is therefore advisable to seek medical attention from an independent doctor, especially for embarrassing cases such as sexually transmitted diseases.…

Foreign National Commercial Mortgage Loan Basics

As US dollar is becoming stronger and commercial real estate values are rising by the day, foreign buyers can have a real incentive for buying an investment property-whether it is commercial or residential. Persuading foreign investors to speculate in US economy has different incentives as well.

Some facts that are worth reading

As per National Association of REALTORS®, foreign buyers, until March 2014, invested in excess of $99.2 billion US residential real estate. These figures continue to soar with time. So every international buyer who can afford to invest in US properties and who look forward to living abroad should invest in the country’s real estate investment market.

When problem hits foreign real estate investors

Options for an international real estate buyer to pick from can be significantly limited as they will generally have to provide a:

  • U.S Federal Tax Identification Number
  • U.S Bank Account
  • State Certified Corporation, LLC, LP, or any active company
  • Proof of residence

And if a foreigner is incapable to furnish any of these docs, then the person will doubtlessly be ineligible to get a traditional mortgage and other similar financing options. Foreign buyers, however, can pay in cash-but as interest rates are low across the United States, it is preferred for buyers to finance their investments. And that is when a foreign national loan can be of great help to any foreign realty investor.

Understanding foreign national commercial mortgage loans

Foreign national commercial mortgage loans are available to every non-US citizen who are look forward to investing in any domestic property. However, any foreign national will not find this mortgage in traditional banks. And even the terms and conditions or requirements of this specific loan will vary from one lender to another.

Generally, foreign national mortgage lenders offer this loan type at down payments that start anywhere around 30 percent of the buying price. However, the down payment can even go as high as 40 percent-that depends on the size of the loan that any foreigner may apply for.

Apart from large down payments, this loan is similar to a traditional loan. The process of securing this loan is just like the one followed to get a domestic loan. For building a borrower profile, lenders will need:

  • Their passports
  • A Tax Identification Number given by the Internal Revenue Service
  • Asset proof that is verified by any global financial institution
  • A Letter of Professional Reference From An Accountant and or Banker

Foreign borrowers will generally have to pay a higher interest rate than the ones given by US residents. But borrowers may get a commercial mortgage with an annual interest rate as low as five percent because of larger down payments and historically low interest rates.…

Money Counter Rental Makes Sense

The decision to rent a money counter may seem simple but it is not. If your business handles cash you probably already own one or more money counting machines. You know that currency counters not only save time but increase accuracy. You might have periodic trade shows or sales events that require cash handling equipment. You need to decide whether to try to pack up your money counter and take it with you, or rent a machine on-site. In almost all cases renting is the best alternative for several reasons.

Packing and shipping is a major issue. If you take your equipment with you, you will need to properly pack it and ship it so that it will arrive on time and in working condition. Money counting equipment is very sensitive and subject to losing calibration or shipping damage. Rental companies know how to properly pack and ship your machine so that it will operate properly when it arrives. They also will test and calibrate you equipment prior to shipping it to the rental site.

Something else to think about is that if you bring your equipment on the road, how will your business be able to function without it while it is out of the office? Why should the main office need to go without the use of the equipment?

If you need to handle several locations at once, renting is the only way to go. We had a major bank that was running a charity coin collection in over 100 cities at once. They needed to rent coin counters for all 100 locations during the same week. Renting was their best choice.

Renting is also a great way for you to try out newer models and features. Currency counting equipment is expensive and is constantly evolving with new features and functions. If you rent you have a chance to try out all the latest and greatest features without a capital investment.

Another important consideration in your decision to buy or rent is accounting. Renting is an operating expense and is treated differently than purchasing, which is a capital expense. For tax purposes the rental is a full write-off and does not get depreciated over time as a purchase would. The rental expense will be budgeted as part of the trade show or event that it is directly related to.

There are many reasons that renting a money counter makes sense. If you do decide to rent, reserve your equipment as far ahead of time as possible. Rental companies with take your reservation up to a year in advance. During peak trade show seasons machines can easily get fully booked.…

The Role of Customers in Your Business Success

The primary purpose of a business is to create a customer because it is the customer that will determine the growth potential of a business. Though, it is imperative to create time and effort on how you are going to improve your business and services, it is still the customers that will dictate the success of your business. So, customer service is very vital if you want your business to succeed.

Customer service is a major factor in making sure you achieve business growth and success. It can affect your business positively or negatively. This is reason why the whole business plan, marketing strategies, sales and profit will largely depend on its impact on the customers. Primarily, you are in business to generate revenue through selling your products and services to people who are in need of the services. All these people want to know if your products and services will make impact in their lives and meet their needs.

To make sure that you generate income for your business, you must be willing to satisfy the desires and needs of your customers. Your whole business is resting on that foundation. Every decision making must take into cognisance how it is going to affect the customers. You should make it a point of duty ensure that you have an excellent customer service system.

All strategies you have put in place to ensure you have great marketing and sales will help in attracting new customers for your business but it is the excellent customer service that keeps the business going and makes customers wanting to come back. People will only want to do business with those they are comfortable with and can trust. As a business owner, you must make sure that you make your customers have that confidence, trust and satisfaction in you by giving them the best quality service.

This factor has created opportunities for large and small businesses. It affords every business to offer the best quality service which their organisation will be known for. By so doing, they have been able to distinguish themselves from all the rest in that sector of business.

In recent years, there has been continuing change in the demands of the customers because of the ”law of dynamism”. So it is your duty to know exactly what your customer’s needs and wants are. You can get hooked up to some customer support systems that offer quality incentives on how to give your customers the best quality services. It will assist you to expand your customer base and retain your customers. A recent survey reveals that using these systems has increased some company’s turnover by almost 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

All businesses must realise that customer service plays a major role in the success of any business. You must have the ability to focus on the need of your customers rather on your own selfish gains, and supporting them with all the abilities at your disposal to make sure that they are 99{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} satisfied with the …

Business Data Networks and How They Can Affect Your Company

An electronic communication that allows methodical transmission and accessible data such as mails, spreadsheets and many other types of documents for any kind of business, is known as a business data network. There is a private data network and public data network in operation today. A local network that allows transmission of data between various departments of a company is called a private data network and the public data network is widely accessible to both residential corporate clients for a given carrier network.

There are various factors relating to a business data network that can affect your company and some of the important facts that can improve business efficiency are as follows:

• Always identify the documents that are considered confidential by implementing a document management program; otherwise a local network without this program can harm your business. To amend this, don’t allow employees access to these credentials or with the ability to print confidential data.

• Lack of a document storing schedule can give access for co-workers to look into important documents that are restricted. Storage of such important business documents in a safe place till the storage period ends can restrict access to public view and stop harm to the company. The documents should be shredded when the storage period is complete.

• Before implementing data networking, think about a finding a service that can destroy and shred business credentials that contain insightful information. Otherwise, important company documents might give opportunity for the employees to access and spread the information.

• Limit the acquirement of confidential customer data such as customer’s bank accounts, social security, or driver’s license numbers. Restriction of access to information is really important. Otherwise a company can lose its business from misuse of important client information.

• Documentation that contains perceptive data, including payroll, patron and fiscal information with passwords, should be protected. If a company doesn’t change passwords regularly or request that passwords contain a minimum of six letter and number combinations, the risk of confidential information being leaked is very high.

• In order to prevent a virus or worm from spreading information and stored files from a personal computer over a network is to install and timely update virus protection software. More virus threats mean a greater affect on a company.

• Sensitive data can still be available on a computer that is no longer being used. Data thieves and potential hackers hunt for such data a great deal of the time. To wipe that data or to identify a data destruction dealer that will actually destroy the hard drive, a company should use such software programs that clear data before disposing of old computers.

• The most successful method to share files and collaborate with colleagues is by file sharing programs and such programs can easily expose your computer and database to hackers. Systems that are protected by a tough firewall and anti virus software are highly recommended and include regular updates. If this is not the case a business …

Single Premium Life Insurance – Pros and Cons

Single Premium Whole Life Insurance (SPLI) Explained

Most of the time, when we purchase life insurance, we agree to make monthly, quarterly, or yearly payments. There are some whole life policies which can be paid off, usually over a period of 7 years or more. But another way of purchasing coverage has begun to get more attention slowly. This simply involves making one large payment in the beginning. The single premium is set to fund the coverage for the rest of an insured person's life.

One obvious advantage might be the guarantee that life insurance is taken care of without having to worry about paying any more bills. One obvious disadvantage, as you may have already guessed, is the fact that this first premium must be pretty large.

Who Considers SPLI?

The type of person who may consider this unusual way of paying for a life insurance policy would have a lump sum of cash that they are sure they will not need to spend for the next few years. They will also want to leave money to their estate, and they want to turn the cash they have into a larger life insurance death benefit. This way they can be assured they will be able to leave money to their kids, grand kids, or a favorite charity ..

Advantages of Single Premium Life

  • Set it and Forget it – You can make on premium payment, and be assured you have funded a lifetime policy.
  • Estate Building – Most of the time, the cash will buy a death benefit of several times the original premium amount. For example, let us say that that a healthy 65 year old could turn $ 12,000 into a $ 100,000 death benefit to leave behind. That was just an example. Premiums will vary.
  • Cash Value – Since the one large lump sum fund coverage, the actual cash value of the policy should grow very quickly. The policy may have enough cash value to be borrowed against or cashed in at some future point. The cash value may grow by a set interest rate, or it may grow my some market index, like the S & P 500. This will be specified in the particular policy you buy.
  • Policy Provisions – Policies may have an accelerated death benefit, or provisions for early surrender or using some of the face value while the insured person is still alive in special cases. These cases could include terminal illness or nursing home confinement. These functions can give you a policy which performances "double duty."

Disadvantages of SPLI

This product is not for everyone. Look at some of the disadvantages to consider.

  • You Need The Money – You must have the lump sum payment. Of course, the premium will vary by the age and health of the insured person, the insurer, and the amount of coverage you buy. The premium is usually several thousand dollars. This must be money that is not needed for the next few years, or