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.…

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.…

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 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%.

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% satisfied with the …

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 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

I received an email last week from Vickie, a 45 year old woman who is on the verge of emotional breakdown over money. Vickie and her 47 year old husband must file for bankruptcy, and she is experiencing frequent panic attacks over their money situation. Married for 14 years with two children, together they own 2 homes, a couple cars, have travelled extensively, and have otherwise lived very comfortable middle-class lifestyles. But over a year ago, her husband, a real estate executive, lost his $300,000 a year job. Now, together they face over $150,000 of credit card debt, plus thousands in past due income taxes, plus mortgages and car notes, and they have no regular income to support any of it. She feels like her whole world is crumbling and she is constantly fighting bouts of gripping panic and stress.

Not Alone

With over 50 million anxiety sufferers and record bankruptcy filings in America, many people find themselves in situations similar to Vickie’s, and can’t see a way out of their circumstance and looking for ways to ease panic attacks over money. As panic sets in it begins to impact everything from willpower to personal relationships and the desire to socialize with others (due to the embarrassment of it all). With so many Americans out of work in what is purported to be the worst recession since the great depression, meeting financial obligations becomes virtually impossible and a feeling of being trapped takes hold.

About Panic Attacks

Panic attacks represent a physiological over-reactive rush of adrenaline in response to a mostly unsubstantiated or overblown fear. In prehistoric times, this adrenaline rush helped humans fight off or run from a real attack from dinosaurs and other predators. Now the dinosaurs are gone, but experts say the feeling of “fight or flight” strikes panic attacks and anxiety sufferers each day. You might say that Vickie’s fear of impending bankruptcy is not overblown or unsubstantiated. In the end, times will be tough for Vickie and her family. But Vickie and her husband still have their health and their marriage, and get this – they both admit their respective roles or lack thereof in getting them into the financial situation in the first place – very important starting point. More importantly, they are beginning to understand that bankruptcy is a form of financial relief and legal protection from creditors – the ultimate source of the unsubstantiated fear. Talk to a lawyer or bankruptcy specialist about the specifics. But ultimately your worst fears about money are most definitely overblown if you are suffering from panic attacks and anxiety over them. You must strategize and gradually lift yourself out of the financial circumstance. And remember, if you must file for bankruptcy, you are not alone. If you check the rolls of past bankruptcy filers you will find names like Donald Trump, Circuit City, Blockbuster Video, and many other company’s and people. Bankruptcy is meant to be a backstop to keep you from panicking and seeing no …

Here is a question that most people looking to become a nail technician ask themselves. For some, becoming a nail tech is something to do to supplement their current income.

However, there are nail technicians that are making a living at doing nails and have gone beyond treating their nail business as a hobby. Today’s techs are getting super savvy at how they are marketing their business and realizing a nice income in the process.

Part of their success has been due to online technology and the internet. Online technology has opened doors to reaching a larger audience to market to. Sites like Twitter and Facebook are helping to network and build relationships with many people on daily basis creating an avenue to attract more and keep more clients.

YouTube has opened the door for nail technicians to put their work in front of 100’s of people daily enabling them to brand themselves as an expert in their industry.

The internet also makes beauty marketing information available at the push of a button. Nail techs can find information online you probably won’t find at your local library on this subject.

Successful nail salons will tell you the main ingredients to making money as a nail tech is knowing how to get clients, keep them, and get a ton of referrals consistently. They rely on good marketing combined with good relationship building tools to attract and keep clients coming back month after month.

You should also understand that there is a difference whether you work for yourself or if you work for someone as an employee. You will always make more if you work for yourself and know how to market your business successfully. Your income will usually have a cap if you are employed by a salon which will limit the amount of money you can ultimately make.

It’s possible to make a good income from doing acrylic nails and nail art designs if you market your business successfully. Just like any other business you have to work at it daily. The beauty industry is a very large industry with many opportunities to make money. It’s a profession that has many rewards when approached correctly.…

By creating credits we mean the process whereby commercial banks, make it possible for more deposits to be made through loan and this process of creating credits is also called creation of money or money creation. By granting loans to their customers, commercial banks increase the purchasing power of the borrower and also increase the volume of money in circulation. Commercial banks use current account as basis of creating credit or money. However, it is not possible for one commercial bank to create credit or money. For credit or money to be created, the entire banking system, will have to be involved.

Commercial banks are required by law to keep certain percentage of their deposits with them. This percentage kept with them is known as Cash ratio or Liquidity ratio or Cash reserve. This is done in order to protect customer’s deposits and prevent bank crisis. This percentage of cash ratio banks will keep is fixed by the central bank, and varies from one country to another. Assuming the central bank fixes 10% as the cash ratio, it then means that for every deposit a bank receives, 10% of the deposit must be kept in the bank while the remaining 90% can be given out as a loan or overdraft by the bank. This 10% cash ratio is kept or reserved with the bank in order for the bank to meet up with customer’s withdrawals. There are other methods by which commercial banks generate credit, for example the death of a customer, by government policies, by the sale of receipts and treasury bills, and also by selling shares to customers and the entire public.…

So lately there’s been yet another start-up network marketing company that I’ve been seeing on social media sites and getting a lot of buzz. The company is called Monat Global. And chances are if you’re reading this, you’re looking for some information on Monat Global before joining the company. If that’s the case, look no further. In this third party Monat Global Review, I’ll cover information on the company, the products they sell and more importantly the actual business opportunity they offer. Before proceeding, I want to disclose that I’m not a Monat Global distributor so it really doesn’t matter to me one or another if you join or not. This is important because you can be sure that you’re getting an unbiased perspective of the company and the opportunity available for distributors.

Who Is Monat Global?

Monat Global is a Florida-based company that markets high-end haircare products through a Network Marketing business model. The company is extremely young but unlike other start-up companies, the company is actually owned and operated by the Urdaneta family. The Urdaneta family have been involved in Direct Sales for decades and run a huge company called L’Eudine Global. From the looks of it, Monat’s products look to be very high quality. The products are paraben-free, Gluten-free, ethanol-free and sulfate-free. Having premium products to market is essential if you’re looking to build a business because without satisfied customers re-ordering every month, you have no chance of building a residual income.

How Do You Make Money With Monat Global?

As a distributor, you can earn income 5 different ways. You can earn immediate income retailing products and acquiring VIP Customers. But just like any other Network Marketing company, the true potential lies in building a rep base and customer base. As you grow your group and accumulate customers, you can earn between 7%-12% on your group’s volume every month. You can also earn 5% through 5 Generations. Overall the compensation plan looks to be fair and lucrative. There’s both upfront and backend income potential which is what you need if you’re going to build a business.

Should You Join?

Well… only you can truly answer that question. The management team is experienced and solid. The suite of products are premium and high-quality. And the compensation plan is lucrative. Surely, you’ll see success if you join, right? Nothing could be further from the truth. You could have the best opportunity and products in the Industry, but if you don’t have a single person to tell about it, you’ll make no money. At the end of the day, your success will come down to your ability to sponsor people and get customers. And at some point, your warm market will run out. This is why I suggest you learn how to market online and learn Attraction Marketing. If you can position yourself in front of a highly targeted audience you’ll have more leads you can handle. And when you’re in a position where you have people chasing you, …