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Accounting Finance – The Heart of Any Successful Business

At the core of any successful business is a well organized management. Financial accounting is a very important tool for business. Aside from knowing strategies such as bookkeeping, marketing, advertising and production, a good and stable business must also have a competent system for accounting finance.

Whether you like it or not, accounting finance is one thing you cannot dispense with in the world of business. It is a very important tool in determining where and how exactly your money is being spent. Also, it is most important in terms of taxes and other pecuniary obligations.

Good Accounting Means Good Business

Accounting ensures you how much you have, how much you owe, and helpful in assessing the value of your business. Are you generating any profit or operating at a lost? Accounting records will answer your questions. Accounting serves as the proper recording tool of the financial status of any business. Fiscal dealings are best kept right on track with an effective accounting department.

A good accounting system within one’s business is a great help in making business decisions. This also shows how credible you are with other companies. Accounting does not only place you in a very knowledgeable stance, but it gives you that confidence by being armed with the facts and figures revolving around your business. Knowledge is power.

Professional Accountants

It is to your advantage if you are an accountant by profession. But if not, you can still do your own accounting if you are operating a small-scale business. However, if you have a big company it is advisable to hire a professional accountant especially if you do not have the time and the skill for it. You must realize that there are various strategies in keeping various kinds of accounts in a business.

It is also best to check the accounting firm’s competence, credibility and confidentiality issues. It is very important that in any business, you would be able to trust your accountant with sensitive information, including profits and sources of income your business is accumulating.

Accounting standards you should know

To the untrained and unsuspecting eye, accounting principles might seem hard, intimidating and complicated, but it is in reality very simple if you get past all those figures. All you have to know in accounting are these: Accounts are always divided into three types, namely assets, liabilities and equity. Each account is unique and simple yet forms part of the very foundation your business is operating on.

“T” accounts can be managed by drawing a T like figure with a left and right section divided by a vertical line. On the left side, you can place all your debits or the so called assets. On the other side, you can list down all your liabilities or what we call credits.

The general rule is that for every liability, there must also be a corresponding asset so that a balance will be achieved. If the credit is more than your debit then perhaps you are already …

Best Loans For Single Mothers – Learn How to Get Approved Fast

If you are a single mother, you may be among the many single parents who struggle to make ends meet each and every month. Many single mothers have no credit, slow credit, or even bad credit. Many single mothers are young and have not yet had a chance to establish positive credit history. There are different types of loans that you can qualify for as a single mother regardless of you past credit performance and bad credit history.

Personal Loans For Single Mothers

A bad credit personal loan is a loan that allows you to meet any needs that you might have. Perhaps you need money for major purchases like furniture or a computer. Or maybe you want to take a trip, pay for a class, or even buy a car. You can barrow amounts from $5oo up to as much as $15, ooo when you are applying for this kind of loan. Your personal loan can be ether secured or unsecured. A secured personal loan requires you to pledge collateral.

An unsecured personal loan does not require you to pledge collateral. However most single mothers do not have adequate collateral to pledge, and their only option is the unsecured version of the personal loan. To improve your chances for getting approved in the amount that you need, you can always ask a creditworthy cosigner to apply alongside you. This person can be a parent or other relative, friend, or anyone who will agree to pay your loan payments should you become unable to do so. Many lenders will allow you cosigner to be released from liability of payment once you have paid a certain number of payments on your loan.

Car Loans For Single Mothers

Single mothers who are in need of a new or used vehicle can qualify in most cases for a car loan. Because a car loan is secured by the car itself (or other vehicle), lenders are more lenient when approving car loan applications. A car loan of this type is usually financed for a period of four to seven years, depending upon the purchase price of the vehicle and whether or not you have a down payment. Having a down payment is the best way to purchase a car because it will make your monthly payments lower and easier to manage. Car loans are usually for $20,000 or less.

Cash Advance Loans For Single Mothers

Another option is the cash advance loan. This type of loan requires no credit check, making it the easiest to get loan not only for single mothers but for anyone with inadequate credit history. This loan is made for a short period of time, usually a month or less, and typically around the time of your next pay date. The only requirements to receive a cash advance loan is that you have a checking or savings account and a job that allows you to bring home a weekly, bi-weekly or monthly paycheck. Single mothers who receive benefits from Social …

Magic, Love and Money Spells in the Form of Chants

Magic Spells whether they are Love or Money Spells have done wonders when they are in the form of chants.

How Magic Spells in the form of chanting improves Your mental and Physical Performance.

This is the Magic Chant

HUNG GURU HUNG

The literal translation of the above power chant is not necessary to its effectiveness, but for the benefit of those who would like to know what it means.

HUNG GURU HUNG

SPEECH MIND TRUTH SELF LOTUS POWER ALL

I have seen these simple but powerful chant work miracles in the lives of businessmen, housewives, convicts dope addicts, priests, probably explainable by some Tibetan Lama; but that it works is have shown that the metabolic rate goes down during meditative chanting. University studies show that oxygen consumption during chanting reaches a level which is found in other people only after they had about seven hours sleep. Who doesn’t want a “good nights sleep” in 20 or 30 minutes?

What this can mean to you is at once exciting and earth-shaking. Chanting can change your blood composition and increase your alpha brain waves. Consequently, you increase your physical and mental performance because of the new peace you experience within. Meditative chanting clears on the psyche, so to speak, and permits new energies to flow through into your daily life. You can tap the vast reservoir of unused mental capacity by chanting.

Chants That Expand Awareness, Clarify Thought, and Enhance Creativity

Say this Chant

Guru, Guru. Light my Life

Guru, Guru, lift my heart

Guru, Guru, all-knowing Guru

Show me in, show me out.

Chants of this type put you in touch with your inner self, help you to tap creative energy, permit you to function under stress and strain daily living. The following chants are at your disposal, to help you achieve the peace which precedes action, fulfillment, and effectiveness.

Chants for Relieving Stress

Void, void, void is pressure

Take away, take away, take away all

Void, void, void is heaviness

Take away, take away, take away all.

I am calm, calm, calm

Restful, peaceful, tranquil

Pressures come, pressures go

I am calm, calm, calm.

Pac, O Pac, god of Peace

I intone your name for rest and ease

Pac—Pac—Pac—Pac

(Repeat ten times in a hushed whisper.)

Begone, stress; begone, O strain

Relieve me now of pressing pair;

Begone, O burden: begone, O toil

Implant my very peace in willing soil.

Whispering palms of peace and rest come waiting through my very being like gentle wings of doves of love.

Chants for Improved Efficiency

Ability, ability, fill my veins, Stability, stability, be my reins. Give me peace, give me power, sharpen my wits, heighten my capacity. Ability, stability, capability are mine this day.

I am restful, peaceful, better and greater. Creative thought emerges from within, increases my powers, lifts me up.

Rest, peace, efficiency, mine to have, mine to hold, mine to use.

Competence, skill, ingenuity and talent, give to me excellence, achievement, and success. Fill me, lift me, imbue …

Start Your Own Dip Mix Business – Sell at Special Events

You can start your own chip dip mix business for less than $400.00. I have been selling dip mixes for years and have made very good money with very little work. These are dip mixes made of various herbs and spices that you mix with sour cream and mayo. They are great with chips, pretzels, pork rinds, fresh veggies, and sandwiches. With these same mixes you can make dips, cheese balls, spreads, salad dressings and they are great on baked potatoes.

You can easily add dessert mixes to your roster of products also. These are dry mixes that you mix with cream cheese and whipped topping (like Cool Whip). They make a wonderful no-bake cheesecake, fruit dip, bagel spread, cream pie, parfait or mousse. Both the dip mixes and dessert mixes come in a small zip lock bag. They last up to a year in your cabinet at room temperature.

All you do is buy the mixes from a dip mix company and stick your own labels on the bags. Presto! You now have a dip mix company. You can sell your products at flea markets, festivals, farmer’s markets, craft shows, fairs, and any other type of special event. All you do is make up samples of each flavor and provide inexpensive pretzel sticks for the customers to sample the dips. One taste and they sell themselves.

Try to buy your mixes from a company that will teach you the business. Find one that has a start up and operations manual for you to use. This is the sign of a really professional company that is really committed to your success. A manual will show you all of the tricks of the trade for learning the best ways to conduct your business while you are still learning. Don’t just buy the mixes from a company and then go out on your own to try to learn the business. Find a company that will help you sell and do things right with your new company. There is nothing difficult about this business, but you need someone to show you the way. It just helps you learn the business a lot faster with fewer mistakes.

You sell the dip mixes at 3 FOR $10.00. Your profit is about 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. In other words, you will make a gross profit of about $6.00 per sale. Without needing any sales ability at all. The product sells itself when the customer samples the product.

There are many advantages to a dip mix business:

– You can work your own hours – part time or full time. Make up samples days in advance of your event. Completely flexible schedule.

– This is a fun business. All of the events you sell at are fun events. You have a good time, plus, you make money too. What could be better?

– No ongoing fees. All you do is buy the mixes at wholesale from a dip mix company and put your label on the package. That’s your only …

Compounding: The Science Of Exponential Money Generation

It all begins with a simple calculation.

You are home on a rainy Sunday afternoon, looking at the flashy calculator you found on sale last month for $12 at the local buy n’ save. It was a good buy.

You find the percentage button, and try to decipher how it all works.

Before long you are calculating percentages like a pro.

An hour later, you stumbled across an idea everyone with a calculator on a rainy Sunday afternoon stumble across. That of calculating the money you have squirled away at the local bank branch in a fixed term savings account. You recall the rate was guaranteed 7{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and even though you are only locked in for 12 months, you decide this money will become your retirement fund. All $3000 of it.

So you start crunching the numbers for ..oh, say 30 years.

In 30 years, you calculate that it will become $22,836.76 Wow! even if you do nothing. Not bad.

A show comes on the television that grabs your attention, and your calculator is absently passed onto the coffee table as you get comfortable, and get set to watch “The most dangerous animals on earth-a ten point count down”.

You watch, but the calculator sits patiently within your line of sight. During one of the ad breaks, you get another idea.

What if you could find some other investment vehicle to grow your money? What if you could find somebody that offered more interest?

You don’t know where you will find somebody willing to offer you this much interest but you try it anyway….30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}

30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} at 30 years.

Wow. $3000 turns into $7, 859,983! Wow! you hum to yourself. You begin to pay a lot of attention to your calculator, the TV show is up to number one, the most dangerous animal on the planet is……..you don’t care. You don’t even hear the television.

Suddenly a wise voice enters your head. You know its wise, because it told you. It says hey, 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} is not a huge jump from 7{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. Yes it is a lot different, but not proportional to the result. $22,000 odd dollars, compared to nearly 8 million is a big difference.

There’s something to this.

You resolve to investigate this. You steady yourself for the figure that will come next, when you try 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} You start crunching.

…after picking yourself up off the floor, you decide to do some research on your favourite resource site Ezine, a search for compounding you find this article.

Surely it can’t be that hard to maintain a level of compounding that’s fairly interesting over a number of years? You reason.

And you know what? You are right. It’s a science. Its simple math and the results are under your control if you want them to be.

Your actions determine your results, why wait 30 years for compounding to work for you?

You can manufacture exceptional results with a some solid research, and deploying that knowledge.

There’s a lot more to Compounding …

Making Money in Bucharest

Whether you are a World traveler, or an expat deciding to settle in Bucharest, unless you are independently super-wealthy, you’ve probably thought about what you can do to earn income and/or occupy your time overseas. The internet today is awash with many “get-rich-quick” schemes and “retire-over-seas” plan of action kits. While all this is information is nice and in some ways functional, it almost always assumes that you are beginning with a rather large nest egg. Sometimes we don’t actually have a couple hundred grand lying around from pensions or retirements or other investments to “drop” into an apartment and “turn-key-lifestyle” at our new home overseas. So that brings us to the “I wish to create some income, maybe start a business, so what do I need to do next” people. Within the next paragraphs, you’ll get an inside look at what to expect when moving forward with your business venture.

Identifying a niche

When we [our group of expat friends] first arrived in Bucharest, Romania 4-5 years back for real estate purposes, we had all the excitement one would expect when first landing and wandering around in a land that was essentially foreign to us. We passed through all the stages of ex-patriotism, most importantly the stage where we as business owners and entrepreneurs look around and think “wow…wouldn’t THIS be a great idea for Bucharest?” While this is great fun to do and helps you spawn realistic ideas, don’t be to keen on falling in to this “trap” as I’ll call it. We’ve looked at opening fast food chains, luxury spa’s, Name Brand clothing labels, real estate offices, and more. We looked at both traditional and highly westernized business concepts. At the end of the day, we’ve found that when taking into consideration the amount of overhead versus the time for the business to actually absorb and be accepted into the local marketplace, and the amount of red-tape to get there, one may be better off pursuing other “offbeat” types of income streams. We’ll talk specifically about these off beat type plans in an upcoming post. Always keep in mind that whatever we can do in the US or the UK, the Romanians can typically do it cheaper. Not necessarily better in all cases, but cheaper… and this has a “trickle down” effect. Run your numbers accordingly.

Right now in this “worldwide economical crisis” laziness and affordability somehow go hand-in-hand. I was told twice in recent days by two different Romanians the following phrase: “Romanians don’t like to give money. They only receive. If they don’t receive they take.” I debated long and hard about referencing this in here, as I was afraid that too many people would take offense to that and say it is demeaning and insulting to Romanians. I disagree and I feel it is some important wisdom when considering a business or service of any form here. You see, the thing about that phrase is that it’s so blatantly true and honest for virtually …

My Unbiased USANA Review – How To Make Money With This Company

The following article is my review of the USANA MLM opportunity. I am not affiliated with this company and my sole objective is to present you with an impartial USANA Business review and allow you to determine if USANA is a suitable company for you to join. USANA is similar to almost every multi-level marketing business, and needs to be evaluated by means of checking out several main components of the organization.

USANA History

USANA Health Sciences was founded in the early 70s, by Dr. Myron Wentz, and is currently headquartered in Salt Lake City, Utah. The company produces various nutritional and skin-care products, most of which are manufactured in the United States and sold by independent distributors. The company brings in a very large revenue stream and has an arena named after them which hosts various concerts and events from many popular acts. Other than their price, the only negative feedback I have heard about is the success rate with the network marketing program.

USANA Products

There are four main brands in USANA’s product line; USANA Nutritionals (Essentials and Optimizers nutritional supplements), USANA Macro-Optimizer foods (drink mixes and nutritional bars), Sensé Basics and Enhancers (face, hair, and skin care products), and Rev3 Energy drinks. USANA’s products are pretty pricey and the company claims that is because they are made of such quality. A few industry nutritional supplement consulting firms have disputed that fact and claim that most mlm companies offering nutritional products show no evidence to justify the increase over major competitive brands.

There is little doubt that USANA products top notch products, but in order to make a lot of money, the place a very high focus on recruiting sales reps, or independent distributors. Those who got in early are the ones making most of the money and it is the new distributors who are struggling as a whole.

USANA Compensation Plan

USANA pays their distributors on retail sales and like most multi-level marketing companies, most of the residual income comes from building a downline organization. USANA uses a binary compensation plan, which gives distributors points based on sales volume. When the points reach a pre-determined level, the distributor is paid. If the points do not reach the level, they accumulate towards the next week. USANA requires that distributors purchase a minimum of 100 points of products every four weeks in order to remain eligible to receive compensation. 100 points is equal to about $110 – $130. If the minimum point level requirement is not maintained, the distributor will lose the points that have accumulated but not yet been paid on. USANA reported that 87{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of associates fail to make enough off of commissions to recover the cost of their qualifying purchases with 67{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all associates making no commission. 72.2{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all companies commissions are earned by the top 2.31{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of associates

Why Are So Few People Making Money?

The answer to that is quite simple. Most people in the network marketing industry are still stuck in …

The Only Way Left for the Little Guy to get Rich in the Restaurant Business

To make money in the restaurant business, restaurant owners have to have a competitive advantage. If hard work alone would do it, most restaurant owners would already be rich.

There are only two real and sustainable competitive advantages anyone can have in the restaurant business.

Restaurant owners can not have the best chef or the best location or the best menu or the cheapest prices – at least, not for very long. Chef's can get a better offer, road construction, building projects and population shifts turn great locations into so-so locations. Great recipes can be swiped and even improved upon. And of course, trying to have the lowest prices is not the way to go.

The only two real and lasting competitive advantages any restaurant owner can have are – Innovation and Marketing.

Ray Kroc knew the importance of innovation when he said, "McDonald's can innovate faster than the competition can copy.

Peter Drucker (the greatest management author and guru of all times) said, "Innovation is the only lasting competitive advantage anyone can ever have in any business."
E's right – "Marketing" is just a sub-part of "Innovation."

Applying unique marketing techniques is a major part of innovation because –

Marketing is the only thing that generates profit for a restaurant. Everything else is an expense.

Marketing (when done right) is the best investment any restaurant owner can ever make. In the stock market or in real estate someone may hope for a 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} or maybe even a 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} return on their investment. But in marketing, a $ 100 investment in promotion (ads, direct mail, press releases, etc.) could bring in $ 1,000 in profit and sometimes much more.

For example, changing only a few words in a headline can bring in two to 10 times more profit from the same ad. And the only cost to make the change would be the time it took the restaurant owner to learn how to write headlines. What kind of return on investment is that?

The average restaurant owner thinks his job is to "run his restaurant." He does not have time to market his restaurant – or even to learn how to market a restaurant. Maybe that's why he's average.

A restaurant owner can not make $ 100,000 a year doing $ 10 and hour work. A restaurant owner's job should be to market, innovate and promote his / her restaurant.

The restaurant marketing plan for many restaurants is based on whatever the latest ad salesperson was promoting. When it comes to marketing, many restaurant owners just copy what the big boys are doing. That could spell disaster for almost any independent restaurant.

Most restaurant owners work long hours, but it does not take long hours to market, innovate and promote a restaurant.

Look at it this way. A restaurant owner who masters innovation and marketing could swap restaurants with any restaurant owner in town. Let him have the location, the menu, the chef and staff and a year from now …

What Does Liability Mean on Your Car Insurance?

Liability insurance is very important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault.

There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to protect you against any cost and damage that is associated with damaging another person’s physical property and that bodily injury liability is going to protect you against the personal injury inflicted on someone else as a result of the accident.

Usually, there are some numbers that a person may see on their policy. These numbers usually look like this: 50/100/25. Now what this means is that the policy is split up into three different amounts each policy can be different depending on what the individual chose when they opened the policy. In this case, 50/100/25 means that the insurance will pay for the bodily injury of an individual in an amount up to $50,000, will pay for the bodily injury costs on everyone in a vehicle in an amount up to $100,000, and will pay property damage costs up to $25,000.

Every vehicle requires its own level of liability insurance depending on what state you are located in. It is important to know what your state’s auto insurance requirements are so that you have an idea of what you would have to pay in your insurance premium.

The cost

Liability insurance is cheaper than full coverage insurance that also includes damages from theft, natural disaster, and vandalism. Liability only covers costs associated with an accident so that you do not lose your hard earned assets in a lawsuit. There are have been cases in which a person has been sued for more that what they have in coverage, but the liability insurance does lessen the blow. However, a person can pay for different levels of liability insurance to ensure that they will not be “taken for everything they’ve got.” Not having enough insurance can still have a heavy impact on a person’s life when an accident occurs.

No one intends on hurting another and they usually do not purposely engage in an auto accident because there is so much trouble involved, including the possible loss of the vehicle. That is why it is important to carefully assess how much car insurance you think you will need. Liability insurance is rather affordable. Some states have a minimum requirement of 20/40/10, but you could carry something such as a 50/100/50 if you think you need it. The cost is still not going to be much.

Just remember…

Don’t forget that if you set your limits too low you could be setting yourself up for financial disaster even though you have insurance. This is to be considered carefully. It is easy …

Make Six Figures As a Personal Trainer and Live a Life You Love

Make Six Figures as a Personal Trainer and Have a Life

How much do top-of-the-line personal trainers make? Well, when I compare what I make as a personal trainer to the millions so many people on the Internet claim to be earning in the fitness industry, it feels like chump change. For example, I got a hard-sell automated e-mail message from a fitness marketer a while back, in which he claimed he’s a millionaire and that one of his friends is earning more than 150k–a month. I don’t make much more than that a year as a personal trainer so I know that such “success stories” can make you feel as though you’re heading down the wrong career path. So why pursue top-level training? Why should someone want to be a personal trainer and earn just 100K? Well the answer has nothing to do with money.

Don’t get me wrong; income’s important, but there are other things to consider, such as:

– What’s your take-home pay?

– How many hours do you work?

– Do you enjoy your job?

– Where are you headed, professionally?

– Are you the kind of person you want to be?

– Does your work fulfill or bore you?

These are the factors to weigh when deciding how much importance to place on how much you earn because they’re what being a top-level trainer is about. It has nothing to do with the income, because when you take all the factors into account, what this profession offers you is way more than just what the 100K represents.

Not that anything’s wrong with earning six-figures…After all, a $100,000 income has a certain cache and significance in America.

It signifies membership into the consumer society. You can now participate in and enjoy what people call the American dream and way of life. When you stop to think about it, our entire consumer society and marketing is devoted to these six figure earners. For example:

– You can afford payments on a Mercedes Benz.

– You can save enough to buy a home.

– You can afford to build a high-fashion wardrobe.

– You can take vacations to places to domestic resorts and abroad.

– You can afford to put away about 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your income each year.

Is all this superficial? Yeah, but if you can’t have or do these things, you’re going to feel left out, as though you’re one of the un-cool kids that can’t get into the party. But, consider the price of admission to that party. We get to feeling it’ll take millions of dollars to live a comfortable and appealing lifestyle. So, we wind up working for years

on end and sacrificing the best years of over lives and countless other things to get the kind of lives we want but wind up squandering much of them in that pursuit. We fail to realize is that just a simple plan to six figures in earnings would have got us there! I remember …