In business, every penny counts so here are our 10 ideas for cost cutting measures:

1. Advertising – Your business could work on joint advertising with adjacent businesses, so that the costs are split between you. You’re still getting full advertising but at a percentage of the cost. Directory websites are another viable avenue for advertising, endorsement and referrals.

2. Think recycled – Buy recycled ink cartridges or refills, rather than new ones. Also, consider reconditioned office equipment to reduce expenditure.

Around 40% of print-outs are destroyed or discarded within 24 hours, so printing sparingly saves money and trees.

3. The bills – Check out the best deals available, although it’s easier to stay with the same company, often you can get a better deal elsewhere. When you tell your existing utility company or phone line provider about a competitor offering a better deal, they will often match or better it rather than lose a customer. Plus, bills can often contain errors so it’s worth checking them to make sure that you’re being accurately charged.

4. Insurance – Again, while it might seem like unnecessary hassle, switching between insurers can be a cost-effective measure, whether it’s personal, health or corporate insurance.

5. Temporary staff – It could be that business is seasonal or that it has peaks and troughs in activity. Temps could be used in peak times while a permanent core staff can work the whole year. This way, you cut the wages bill whilst ensuring that you always have adequate staff cover.

6. Couriers and shipping costs – This is another instance in which shopping around will benefit your profit and loss. Don’t get lazy, it could cost your business extra and you don’t want the courier to get complacent. Consider making any off-site storage on-site too.

7. Wining and dining – If you have to wine and dine clients, does it have to be at the most expensive venue in town? Instead of a meal included meeting, could you transfer to a coffee or in-office situation, which will mean less outlay? It sounds really frugal, but the pennies mount up to save you pounds. Saving £20 a week this way, will add up to a very healthy £1040 in a year.

8. Collection not delivery – This isn’t always practical, but if there is a delivery charge attached to a purchase and you could pick it up, do so. For items like stationery, crossing through town and loading up your own van may be cheaper than paying the supplier’s delivery charge. Of course, this only works on routes that aren’t likely to cost you more in petrol. You could always try to negotiate a waiver of delivery with companies that you make regular purchases with.

9. Outsourcing/cloud sourcing – Certain functions within a business could be outsourced; content writing, IT, web design and customer services lend themselves well to outsourcing and cloud sourcing. You can hire an expert for the time and work that’s required, rather than …

In the modern world, personal finance is more important than ever. A person’s entire life revolves around the decisions they make about their money. The media would have one believe that big banks are what make the economy function or fail, but the truth is that individuals should be much more concerned about what they can control, namely their personal finances.

For many people, personal finance simply means keeping their checkbook balanced and having enough money in the account to pay the monthly bills. This is a great start, but only a start. Other important decisions affect a person’s financial well-being. Everyone eventually have to rely on the decisions they made in the past to provide them with suitable income in their golden years. Decisions like this are just as important as keeping the checkbook organized.

The old-fashioned bank is the financial institution most likely to play the greatest role in a person’s daily personal finance strategy. Banks offer a variety of ways to help one manage their money. Most people need only concern themselves with four main types of financial accounts. The first two account types, checking and savings, shouldn’t be anything new to the average person living in the modern world. Checking accounts offer the most convenience and easiest access to your money.

Savings account also allow you access, but are designed with long term savings in mind. These accounts pay interest, but it’s usually very low and shouldn’t be viewed as an investment. Money market accounts are similar to savings accounts but have a few restrictions. In return for a higher interest rate, banks usually require a minimum deposit to open one of these accounts and the number of transactions that can be made on the account per month is limited. Though not actually an account, certificates of deposit (CDs) offer some of the best returns on one’s money. The longer one invests the money in the CD, the greater the return on one’s capital.

Before knowing the best account type or types to use in a personal finance strategy, a person first must analyze his or her own financial situation. It is important to consider one’s sources of income as well as one’s personal liabilities such as mortgage, car payment, credit card bills, daily living expenses, etc. Once all this information is gathered, a plan can be formulated. If one discovers a budget surplus, this money can be invested in money market or CDs. However, if the bills are barely being paid, it makes no sense to put money into a savings account just to have to remove it the following month.

The goal of all this information is not only to stay out of the red in your personal finances, but to also accrue a sizable savings surplus. By examining one’s daily spending habits, extraneous expenses can be removed and more money can be saved. The savings can then be put into money market or CD accounts and earn interest. The old saying that a …

Computers are available in different shapes, sizes and weights, due to these different shapes and sizes they perform different sorts of jobs from one another.

They can also be classified in different ways. All the computers are designed by the qualified computer architectures that design these machines as their requirements.

A computer that is used in a home differs in size and shape from the computer being used in a hospital. Computers act as a server in large buildings, while the computer also differs in size and shape performing its job as a weather forecaster.

A student carrying a laptop with him to his college is different in shape and size from all the computers mentioned above.

Here we are going to introduce different classifications of computers one by one. We will discuss what are in classifications and what job they perform.

Super computer

The biggest in size, the most expensive in price than any other is classified and known as super computer. It can process trillions of instructions in seconds. This computer is not used as a PC in a home neither by a student in a college.

Governments specially use this type of computer for their different calculations and heavy jobs. Different industries also use this huge computer for designing their products.

In most of the Hollywood’s movies it is used for animation purposes. This kind of computer is also helpful for forecasting weather reports worldwide.


Another giant in computers after the super computer is Mainframe, which can also process millions of instruction per second and capable of accessing billions of data.

This computer is commonly used in big hospitals, air line reservations companies, and many other huge companies prefer mainframe because of its capability of retrieving data on a huge basis.

This is normally to expensive and out of reach from a salary-based person who wants a computer for his home.

This kind of computer can cost up to thousands of dollars.


This computer is next in he line but less offers less than mainframe in work and performance. These are the computers, which are mostly preferred by the small type of business personals, colleges, etc.

Personal computers

Almost all the computer users are familiar with the personal computers. They normally know what the personal computer is and what are its functions.

This is the computer mostly preferred by the home users. These computers are lesser in cost than the computers given above and also, small in size; they are also called PCs in short for Personal computers.

This computer is small in size and you can easily arrange it to fit in your single bedroom with its all accommodation. Today this is thought to be the most popular computer in all.

Notebook computers

Having a small size and low weight the notebook is easy to carry to anywhere. A student can take it with him/her to his/her school in his/her bag with his/her book.

This is easy to carry around and preferred by students …

Are you looking for financial help to consolidate the pile of debts? If so, then approach lenders to procure the benefits of consolidate debt loans. It is meant for debtors. You can subscribe the funds with to without using property as collateral. Secured and unsecured is related to collateral and without collateral, respectively. By pledging collateral you can procure funds between £ 5,000 and £ 1,00,000 with reimbursements term of 10-25 years. If you are incapable of using property as collateral, then opt for unsecured loans. Unsecured loans unlock amount from £ 1,000- £ 25,000 with repayment term of 1-10 years. The benefits are meant for salaried persons, business individuals, housewife, self-employed and cultivators etc. Comes under the radar of this scheme.

The objectives of this scheme first scans and diagnoses the cause of debts. Then it assimilates the various debts and fleeces it slowly and easily. Objectives pay less heed for what purposes the debtors borrowed funds rather intends to consolidate the relevant financial disputes. The obliterating of debts gives opportunities to recover the credit condition. The minority and sublime polices also assist in executing small personal ends.

The continuous influx of lenders has developed a competitive market among lenders. Such an atmosphere helps debtors to borrow loans at negotiable rate of interest. Moreover, if you personally differentiate the offers with the help of loan quotes and loan calculator then you can spot cheap and low rate of interest. If you can not come to any reliable decision after such a hard exercise then approach the help desk of financial experts.

If you have already borrowed a loan and repaying it by paying high monthly installments, then get rid of this burden by clicking the provisions of this loan scheme.

The loan is at your finger tips. Yes, by applying for loans through the online application form you can access the loan from home or offshore within less time. This online application mitigates the lengthy practice of paperwork.

Thus, consolidate debt loans paves way for debtors to incur their credit status and lead a life free from the irritating comments of creditors. …

It's surprising to see how many people spend their time writing up their opinions and feelings on the latest Stephen King book, or the latest Red Hot Chilli Peppers album; and then just upload them to their personal blog or article website (like this one). Most people do not realize that there is a website that actually pays people to write their opinion on thousands of products which are listed on their own website.

These product review websites are free to join, and they will pay you every time another member reads and rates one of your reviews. You can also be rewarded at the end of the month, when a selection of the month's best reviews will earn a 'premium fund'; usually around 5 or 10 pounds.

It's probably quite hard to understand why these websites are paying you just to write your opinion on a product. It is also quite hard to explain why they do so, but I will try to do my best. By writing a review and leaving feedback for a product, the manufacturers are getting publicity and (usually) are getting some free praise. These reviews are used on the database of thousands of products, and they help web-browsers to form an opinion on the best products. The product review website would earn a great amount from commission bonuses; people go to the site, read a positive review and then click the link on the site directly to a shop (such as eBay or Amazon) and then they purchase that item. The product review site will then earn a percentage of commission from this sale, and so this is how they can afford to pay its users for writing product reviews – everyone's happy.

There are not many requirements to use these product-reviewing websites; you need to be at least 13 years old and need to be based in one of the supported countries. Obviously it would help if you have a passion for writing, and that you are not too impatient. To earn good money you need to write quality product reviews, and you need to build up a reputation on the website. The more users you get to read and rate your reviews, the more money you will earn. Therefore it pays to be popular.

These product reviews websites already have some very well established communities on them, and this is done thanks to the points system. Every review you read and comment and every rating you receive will all earn you virtual community points. There is a color scale which matches the points earned, and the more points you have the more important the color is that you receive. For example, join the website and write a review and you will probably still be on a white color. Write hundreds of reviews and you will no-doubt become a golden color. Not only does this color represent an active and responsive user, but it will earn you a lot more money. People will …

Do you currently have a hectic, stressful and busy life? Do you want to spend more time with your family and friends? Hiring personal concierge services is a great way to free up time for the activities you enjoy and not get overburdened with everyday tasks.

Here is a list of the top 7 benefits

1. Reduce business expenses Business expenses can be reduced by 50%, since you only pay for the amount of work that needs to get done. It eliminates the costs of training employees and reduces administrative costs associated with hiring staff.

2. Save time Instead of trying to handle everything yourself you can save time with personal concierge services. They can schedule meetings, run your errands, manage your property, organize your home or office and even shop for you.

3. Experience and quality By hiring a professional concierge service you get a highly skilled person (or persons) that has a thorough job understanding based on their many years of experience.

4. Provide specific needs Every business person has specific needs from personal shopping, providing office solutions, running errands to property management. Instead of doing all these tasks yourself outsource them to your personal assistant to save time, money and enable you to focus on your business.

5. Increased flexibility When your day gets very busy you often lose the ability to do other activities that are crucial to running and maintaining a profitable business. Hiring a personal assistant frees up time so you have more flexibility to attend the most important tasks at hand.

6. Reliability and stability Professional concierge services guarantee the quality of their work by providing  reliable and stable assistance in accordance with their contract. This gives you the peace of mind to run your business.

7. Affordable prices Instead of hiring several people for specific tasks, save money by hiring an experienced personal assistant that can fulfill a vast number of responsibilities. It will reduce your costs and increase profitability.

There are only so many activities you can accomplish by yourself without feeling overburdened, stressed out and straining your business and/or family life. If you are a corporation, small business, professional, busy parent, new mother or senior use personal concierge services to free up your day to save time and money.…

Think and Grow Rich should be required reading for all entrepreneurs. Although it was originally published in 1937, a quick reread shows that its philosophy has stood the test of time. The content of this book is just as relevant today as it was when it was published near the end of the Great Depression. “Think and Grow Rich” was inspired by Andrew Carnegie, one of the wealthiest individuals in the world at the time, who disclosed his formula of personal success to Napoleon Hill. Hill went on to interview more than 500 very wealthy men do discover their personal secrets and philosophies of success. From his research, Hill went on to identify the similarities in the philosophies of these magnates and assemble the ultimate “what-to-do” and “how-to-do-it” manual for personal achievement.

The book is not only for those who want to achieve financial success, but for anyone who needs a breakthrough in order to achieve a personal accomplishment, whether it is financial, technical, physical, mental, emotional, or even habitual. One of my favorite passages of “Think and Grow Rich”, that I immediately committed to memory upon reading, is taken from the second chapter entitled “Desire, The Starting Point of All Achievement, The First Step Toward Riches” Hill states, “Every human who reaches the age of understanding of the purpose of money wishes for it. Wishing will not bring riches. But desiring riches, with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches.” Hill then goes on to list the six ways to turn desires into gold. It was at that point that I was immediately hooked, not only because of his writing style, but because every chapter was teeming with lists and how-to’s on various topics of achievement and success.

This is not to say that Think and Grow Rich is simply a book of lists. On the contrary, the lists are usually generalized summaries of the preceding passages, and they typically paraphrase and present the moral or lesson of the story of an individual or group who was able to accomplish a seemingly impossible task by 1) taking control of their mindset, 2) creating a definite plan, 3) persisting until success, and 4) not accepting failure as an option. As an example, in the chapter on Desire, before presenting the six ways to turn desire into gold (or more symbolically, riches) Hill tells the story of Edwin C. Barnes. Barnes was a man who at one point in his life would be considered a tramp by any reasonable person’s standards, yet through a burning desire and definite plan, created a partnership with Thomas Edison five years after deciding that was his goal.

As he revealed how he accomplished this feat he stated, “There is but one thing in this world that I am determined to have, and that is a business association with Thomas A. Edison. …

Developing a Personal Development Plan is critical to success in business. We must start from the beginning and build each article. We will be exposing you to all of the steps. The structure of this plan must start with mind mapping and brainstorming all of things that you will create in your life and business. The brain dump must flow and be without self criticism and should be free and empowered not restrictive in any way. The following paper will outline some areas that you will want to focus on to be successful in this exercise.

Personal Development Plan for Your Health

You must take care of your health before anything can make sense. You must set up ALL of the amazing accomplishments that can grow from a well nourished and lean, healthy body. This is a pertinent key to holistic plan. I see so many who just see one or two aspects of success. Health is so essential for your mind, your vision, your leadership, and your creativity. Stress does not produce good results, but health creates outstanding results. You must focus on your health both mentally and physically. Working out and meditation is key to starting your day with an empowered mindset to conquer and win through out the day. Get going now…list all the wonderful things you want to create in your life from the energy of a fit body and mind. Here are some examples:

  1. I am creating new and fresh ideas for wealth and prosperity every day as I work out in the gym.
  2. I am creating new prosperous relationships from my healthy and energized body each day.
  3. I am attracting amazing business partners who will change the world with me as eat food that is fuel for power.
  4. I am discovering new talents and abilities from a place of health.

You are getting the point. Always state in present tense. Put forward and real faith in the accomplishment. You will be amazed at the results. Mind map this and watch what pours out of you. Health is so key! Here are the some tips for you as you brainstorm:

  1. MOVE – Always move walk up and down stairs at work not the elevator. Make calls on a walk. MOVE!!!
  2. Eat a balanced diet. We have found that Isangenix is a great program for cleansing your body and move you in the direction of eating for power.
  3. Be Active in Exercise Program – Cycle, run, play racquetball, get out and be involved in adventure. Make it fun but get going!
  4. Manage your stress – God says, “Be still and know that I am God.” Be still meditate, destress, disengage and breathe! Pray and meditate to slow down. Do not take yourself so seriously.

In conclusion, get get yourself to take massive action steps to health. This is fundamental to becoming a strong and visionary leader. We have found that looking at food as fuel in your tank forces us to evaluate what we put in …

There are several psychological and social factors that have been linked to increased individual life expectancy and quality of life in older adults. While the majority of attention in the life extension and successful aging field has focused on physical factors such as exercise, diet, sleep, genetics and so on, there is a growing body of evidence that suggests that psychological and sociological factors also have a significant influence on how well individuals age (Warnick, 1995).

Warnick (1995) believes that adjusting to the changes that accompany late adulthood and old age requires that an individual is able to be flexible and develop new coping skills to adapt to the changes that are common to this time in their lives. Aging research has demonstrated a positive correlation between someone’s religious beliefs, social relationships, perceived health, self-efficacy, socioeconomic status, and coping skills among others to their ability to age more successfully. The term successful aging has been defined by three main components: “low probability of disease and disease related disability, high cognitive and physical functional capacity, and active engagement with life” (Rowe & Kahn, 1997).

Baltes and Baltes (1990) suggested that the term successful aging appears paradoxical, as aging traditionally brings to mind images of loss, decline, and ultimate death, whereas success is represented by achievement. However, the application of the term, successful aging, they argue forces a reexamination of the nature of old age as it presently exists. “An inclusive definition of successful aging requires a value based, systemic, and ecological perspective, considering both subjective and objective indicators within a cultural context” (Baltes & Baltes, 1990).

With medical advancements and improvements in living conditions people can now expect to live longer lives than ever before. But, the prospect of merely living longer presents many problems. This fact has led researchers to investigate the psychological aspects of aging, with a goal of making the additional years more worth living. There is a great deal of information that leads us to be hopeful about the prospective quality of life in late adulthood and old age.

Religious beliefs, spirituality, and church participation have been the focus of numerous studies involving older adults. Various studies have associated religiousness with well-being, life satisfaction or happiness (VanNess & Larson, 2002). Although it will be necessary for future research to more clearly specify which dimensions of religious participation are beneficial to which outcomes (Levin & Chatters, 1998), it appears that certain aspects of religious participation enables elderly people to cope with and overcome emotional and physical problems more effectively, leading to a heightened sense of well being in late adulthood.

It is commonly known that suicide rates are higher among elderly people, and there is evidence that persons who engage in religious activity are more than four times less likely to commit suicide (Nisbet, Duberstein, Conwell, et al: 2000). The inverse association between religiousness and suicide rate in elderly individuals may be due to the fact that religious beliefs help elderly people cope with or prevent depression and …

Look at today’s blazing hot sailboat market, and you could find some super deals. But buyer beware! The real cost of owning a sailboat could be more than you think. Follow these easy sailing tips for a reality check on what it might take to get a small used sailboat ready for coastal or offshore sailing.

Take “Time Out” for This Reality Check!

Imagine that you are out for a stroll around a marina and come across a boat that catches your eye. You run over to the brokers quaint office next to the marina dock and ask about the boat. You can bet on hearing all the good things and the price just can’t be beat.

Before you do one thing more, count on an additional 33% and 50%. This assumes that the sailboat in question has no hidden damages and can pass a marine survey.

Let’s pretend that you walk back to the boat with the broker and conduct a quick once-over survey of the boat. All seems well; no glaring leaks inside the cabin from the portholes or hatches. No excess water in the bilges.

The engine appears to be well taken care of and starts, shifts, throttles, and stops smooth and easy. Her sails, running rigging and standing rigging seem to have good integrity, without breaks, bends, cracks, distortion, abuse, or neglect. And her boat anchor and ground tackle are in good shape, well cared for, and show minimal signs of deterioration, rust, or corrosion.

Add 33% to Get Her Ready for Coastal Cruising

Plan to spend an additional 33% on top of the purchase cost to get a sailboat ready for coastal cruising.

Hull, Deck and Rigging

Older sailboats may have hull problems such as blisters or water intrusion into the core (wood sandwiched between specific areas on the deck to stiffen and strengthen the deck). Older boats may need running rigging replaced if it has become chafed, worn, or sun damaged.

Part of the standing rigging may need to be upgraded. A surveyor will be able to test the metal integrity of wire shroud and stay ends and turnbuckles to determine if microscopic cracks are present. After years of use and exposure to spray and rain, this can be a common defect on used sailboats.


Upgrade or add to the sail inventory. No matter what the advertisement says, 8-10 year old sails are past their prime. Stretch, wear, UV light take their toll. At the least they will need a major overhaul. And you may need to replace one or more sails. Consider that on a 27 foot cruising boat, the typical mainsail can cost more than $1000 dollars. That’s labor, additional reef points, and materials. Save lots of money if you learn to repair or make your own sails.

Anchors and Ground Tackle

Beef up the ground tackle. Nothing adds more to the overall safety when sailing than your boat anchors. Carry at least three for coastal cruising. Ground tackle will include …