Month: July 2016
Updated on August 10, 2017 by admin
One of the basics of all marketing and advertising training is a teaching of “Maslow’s needs pyramid”. This pyramid shows the different motivators and needs in a person’s life and how they are built one upon the other. Supposedly this is presented to help the marketing student understand consumer motivation and thinking. The problem is I’ve never seen it applied, in the text books. It’s presented as the foundation of human motivation and then it’s dropped.
I’d like to present to you a way to use Maslow’s needs pyramid so that you can get inside the consumer’s mind and develop an understanding of what’s truly motivating them as they consider purchasing your product or service.
Maslow’s needs pyramid present human needs such that each need is pursued and met before the next level of needs can be considered; they build upon one another. The needs from most basic to most complex are:
– physiological needs: food, shelter, sex
– safety needs: clothing, weapons, defense of self
– social needs: social acceptance
– esteem needs: acceptance of self by self
– fulfillment needs: a feeling of having and fulfilling a purpose
So the question is, “How do we use this paradigm to get inside the consumer’s head?”
Let’s consider a personal fitness training service. Here’s how it works at the most basic level. Place yourself in the position of the consumer and think as if you are considering hiring a personal fitness trainer.
1. How will personal fitness training impact my acquisition and use of food? Of shelter? Of sexual behavior? (Now you see why sex is used in marketing so many products – we react to it instinctually)
2. How will personal fitness training impact my personal safety?
– you’ll be in better shape and can run faster from a mugger, perhaps.
3. How will personal fitness training positively impact my standing in society? In my social circle? Access to different social circles?
4. How will personal fitness training positively impact how I think about myself?
5. Will personal fitness training have an impact on my personal sense of fulfillment?
I understand that most consumers, will ask themselves these types of questions without really thinking about them. The answers you develop as you purposely ask yourselves these types of questions will give you insight in the processes a consumer may consider or be susceptible to as they are considering purchasing personal fitness training services.
This process will also help you define ways to market that will get consumers to consider your personal fitness training service if they are not. Using Maslow’s needs pyramid helps you target your marketing. It is the foundation of:
Getting Attention
Developing Interest
Creating Desire
Facilitating Commitment
Motivating to Action
If you can use Maslow’s needs pyramid to get inside the head of the consumer by running it through a filter of questions like the one’s I’ve presented above you’ll have a tangible marketing advantage because you now can respond to your consumer’s internal dialogue.
Using …
Updated on August 10, 2017 by admin
If you have a criminal record of some sort, I know it is hard to find a job. And I know that, so I’m going to show you a list of jobs that will hire you – even if you have a criminal records.
I mean how many times you try to get a job but the employer turned you down because of your criminal record that happened like a couple years ago or even 10 years ago? It stinks, doesn’t it? So what kind of jobs are there for people with a criminal record?
Here is a short list of jobs that you could get even if you have a criminal record … such as the military related jobs, truck driver, and clerical jobs but I want to talk about working at home using the Internet.
So here are 3 jobs that you can get even if you got a criminal record:
1. Military jobs (they will waive your criminal)
2. Work at home jobs (freelancing)
3. Restaurant jobs (depends on the restaurant … high class restaurants care, but if you’re working for a family restaurant, they’ll be okay if you’re honest about your criminal history. Sometimes they don’t even ask if you got a crime record)
You see, there are a lot of companies that hire people to work at home (it’s called telecommuting). And they don’t mind hiring people with a criminal record. Basically you can get jobs like customer care service, data call center specialist, researcher, or just secretary jobs.
Believe me I don’t want this to sound complicated or technical … because my silly friend got a job at home. If he can do it, I believe anyone can. Where do you find these jobs? Well it’s mostly contract work and you have to find them at various free lance job related websites.
But I recommend you learn how to make money on the Internet with Freebie Incentized Websites. And what is Freebie Incentized Websites? Basically what you do is you try out products on the Internet – and get paid for it at the same time.
This is a good way to make money on the Internet because you don’t need to invest any money up front and you can make an average of $10 per hour – which is okay if you’re working from home, right? So don’t worry if you got a criminal records because there are jobs for people with a criminal record.…
Updated on August 4, 2017 by admin
Financial Statements are a set of statistics and scores not unlike the statistics and scores that show up after a sports game. For a sports team owner or manager, the statistics, replays, opinions, and ultimately the score, are a vital part of analyzing, tweaking and improving the game. They would never ignore them. It is their way of increasing the win rate. In contrast, business owners and managers, more often than not, it seems, view their financial statements as a necessary evil to satisfy the I.R.S. They either are completely unaware of the power of these reports, or they just choose to discount them. Many business owners are happy to turn the reports over to a bookkeeper or accountant to analyze.
So, what is wrong with that? Well, for starters, when the business owner does not use the financial reports as a tool, profitability is based more on luck than strategy.
Take forecasting the profitability of the business for example. Without knowledge of past performance, how do you come up with reasonable budget numbers? When done properly, there will be at least two components, historical performance and growth projection. However, if you do not clearly understand what is going on in your company, what minor or major changes will you make? Do you have the right mix of staff? Are there product lines that are not profitable? Is your pricing correct? How about your overhead, can that be improved or is it already in line with industry standards? How exactly can you improve your score? Do you know when there is a black hole draining your profits?
Then, there is the control issue. Who is controlling your business? Do you have controls in place? From experience, I can tell you that when the owner does not know what is going on with the finances of the business, there is ample room for corruption. Would you know if someone was stealing from you? Sometimes it is small seemingly insignificant skimming and other times it is more like grand theft. It happens all the time and the business owner is often completely unaware.
The solution is for the business owner to become educated in the financial aspects of the business. This does not mean they have to become an accountant. But, it is critical that they become knowledgeable of the accounting model in place. They need to understand the language. Business finance is no more difficult to understand than most other aspects of running a business. It is probably less difficult than some aspects.
The three most important financial reports are The Balance Sheet, The Income Statement and The Cash Flow Statement. The most important Key Performance Indicators are within these three reports. It is a cake walk!
Are financial statements your friend or foe? Friend, definitely friend! Take the luck out of profitability.…
Updated on August 4, 2017 by admin
Advantages and disadvantages are attached to everything on the planet Earth. As far as money sending concerns; although the advancements in IT have made it possible to send money online in minutes, yet the dark side of the picture can not be overlooked along with appreciating the bright aspects. At first, let us take a view of the advantages of international money transfer online services:
- The first and the most prominent benefit we get from these services is the rapidity. Gone are the days when people had to wait for weeks for transaction of money. At present, you can transfer money online from one place to another in minutes.
- Various banks have featured power transfer, which enables you to track the money online whether you are a recipient or a sender of that money.
- Lots of banks have featured remittance. With the help of this feature, you can receive money in your local currency and use right after you receive it.
- Another benefit is that you can send money straightly to bank accounts via online banking now-a-days.
- Online money transfer services have provided a platform to online business-groups where they can move fast and grow rapidly without wasting time in the formalities of sending money offline like waiting for the checks to clear.
Having walked through the advantages which online money transaction offers, now let us turn to the disadvantages it bears.
- The weightiest disadvantage is the transfer fee taken by international money transfer online services. You must have to pay some fee to them, otherwise it is impossible to utilize the services.
- Sometimes involvement of credit card and debit card in online money transfer leads to losses. In other words, you money is not hundred percent secure in process.
- Some websites are used to keep money temporarily in case money is not sent directly to bank account. The user passwords for these websites can be hacked by hackers resulting in the loss of money.
- When you send money online, you have to face the technical difficulties of the process.
- You have to be patient because long queues are quiet usual in online money transaction.
- The quick transaction in debit cards causes difficulties in recovering lost funds.
By and large, online money transfer services are neither from heaven nor from hell. In spite of all their advantages, lots of people rely more upon offline money transaction. And in spite of all their disadvantages, a huge percentage of the world population utilizes international money transfer online services on regular bases.…
Updated on August 10, 2017 by admin
Personal protective equipment or PPC is now among the most common applications that can be seen in factory and working environments. PPE equipment can be easily worn by workers for minimizing exposure to different kinds of occupational hazards. Some PPE examples include fall protection, aprons, gloves, safety jackets, foot, eye and head protection. The use of PPE would only be a single element in a complete program safety that would employ different kinds of strategies for maintenance of healthy and safe working environment. However, total or permanent protection isn’t guaranteed by PPE as the hazard isn’t eliminated itself.
The major elements of personal protective equipment can be categorized through the body area of protected body, by the types of hazard, and the garment accessory. A single item, like safety shoes, would provide different types of protection: with steel insoles and steel toe cap you get different proper protection from puncture injuries or crushing, impervious rubber and protection lining from chemicals and water protection, high reflectivity and heal resistance through radiant heat protection, and high electrical resistivity protection through electric shock. Here lie the top 8 major elements of PPE-:
1. Noise
With the help of earmuffs and earplugs the damage extent to hearing can be significantly reduced thus increasing ear safety. High level noise exposure causes irreversible loss of hearing and impairment with psychological or physical stress.
2. Access and height protection
The range height and access protection is wide and includes things like fall-arrest systems, body harnesses, lowering harnesses, rescue lifting, lanyards, energy absorbers, etc. Such kind of PPE is specialized and needs thorough training through competent persons, in user checks and the right use as well.
3. Respirators
With respiratory mask it becomes simple to protect the worker from breathing contaminants in the polluted air, thus preserving respiratory tract and the heart’s health. Two main types of respirators are present. Type one functions through filtering gases, chemicals, and airborne particles, through air breathed by workers. The process of filtration would either be active or passive. Particulate respirators or gas masks are main examples of these kinds of respirators. The type two helps in protection of users by offering clean and respirable air through any other source. This type also includes self-contained breathing apparatus and respirators.
4. Protective clothing
Being one of the main PPE elements, it is all-encompassing and refers to different uniforms and suits that is worn for protection of users through any harm. Ballistic coats that are worn through law enforcement officials and lab coats or safety gloves that are worn by scientists daily at work would come under this category.
5. Ensembles
In personal protective equipment, many types of ensembles can be found for protecting you against different conditions and this work together for specific tasks or occupations. PPE equipment like safety helmets is usable for multiple tasks or occupation for offering maximum protection to users. Chainsaw protection can be done by wearing several equipment (especially hearing protection, face guard, anti-vibration gloves, Kevlar chaps and …
Updated on August 4, 2017 by admin
Although it may not seem so, in reality, Leisure and Recreation is the largest industry in the world. The benefits of leisure and recreation as an important part of life are easy to see. As an industry, it offers a variety of related employment and creates billions of dollars in revenue. Workers in parks and recreation, community agencies, sports agencies, youth development organizations, non-profit organizations, rehab and hospital agencies, the travel and entertainment industries all utilize and benefit from parks and recreation facilities world-wide. Additional benefits of leisure and recreation include environmental improvements from expanding green spaces, health benefits, and personal satisfaction benefits.
There are many civic benefits of leisure and recreation activities. Sports and youth activities offer leadership development for adults and children. Strong communities are built as parks become a hub of community life. Benefits extend to all ages, childhood, youth, young adults, families, and seniors. Both care for environment and wellness through green spaces are enhanced by beauty. This same beauty helps combat stress through the opportunity for mild exercise and mediation upon natural beauty. Wilderness experiences are available in some locations.
For personal benefits, leisure activities may include:
Hobbies
Exercise
Sports
Gardening
Crafts
Health
Coping
Family Bonding
Physical benefits include increased lung capacity from sports participation, plus reducing serum cholesterol and hypertension, increasing bone mass, strengthening the spine, reducing disease, increase in feelings of well being, reduction in stress hormones, improved attitudes and performances, and improved social skills. For childhood development, recreational areas assist in learning, can keep kids off the streets, and enhance their confidence. Studies confirm that physical activity can aid the learning process in children. Sports activities enhance large motor skill development and social skills. Adult leaders offer positive role models to children. Group sports are well known for promoting social support, networking, and developing friendships.
As if all the above is not enough to encourage support of leisure and recreational activities, consider the following additional benefits:
Stress management – the mild stress of leisure activity can reduce overall negative stress by contributing to relaxation.
Self esteem – especially in children and seniors, mild exercise, group activities, and hobbies and crafts will help create positive self images.
Positive lifestyle development – contributing to society, social interaction, development of leaders, being part of organized sports all encourage good lifetime activities.
Personal satisfaction – any creative outlet will enhance personal satisfaction. Being part of the leadership offers self satisfaction, and those who work in the recreational areas can feel the pride in keeping these areas vital and available to others.
Quality of life – fresh air, sunshine, social interaction, health benefits and self esteem all will improve quality of life.
Preventative health – regular exercise, physiological benefits from mild exercise, and stress reduction all are made easier by having leisure and recreational activities readily available.
Since the future seems to be headed for a shorter work week and more extra time, support of leisure and recreational outlets and locations would be prudent, and benefit all …
Updated on August 10, 2017 by admin
Starting a Homemade Pasta Making Business
The first thing that you should know if you are starting a homemade pasta making business is the basic process of making fresh pasta. This kind of pasta is made from fresh ingredients and has a shorter shelf life compared to the commercially made or dry pasta.
Manufacturing fresh pasta is better because the business owner can tailor fit it to the consumer’s needs and demands in terms of the shape, size, color and flavor of the finished product.
Below are some suggested steps in starting a homemade pasta making business, categorized into: Initial Stage, Regulatory Compliance and Marketing.
Initial Stage
• Create and perfect your own recipe that you think will sell and will come out the same way every time you prepare it. Have your family and friends taste them and ask for feedback.
• As in any business, when you are starting a homemade pasta making business, prepare a business plan which would contain the goals and business projections that you have set. This will guide you in the actual running of the business and to help you gauge if the business is doing good or not.
• Purchase your ingredients and supplies like bags and packaging supplies. Decide on how you intend to package your homemade pasta. You could pack it in a freezer-safe bag where the consumers can freeze it, refrigerate it or eat it immediately. It could also come in cellophane bags. You could search online for bulk suppliers for these items. You will be able to save money and will help create a professional and consistent look. Design your own labels on your computer and print them out or you could ask a professional designer to create them for you and order your labels in bulk. Make sure to include the cooking and serving instructions in the labels.
• Purchase equipments that you don’t already have to make the preparation of large batches of your recipes a lot faster and easier.
• Determine a wholesale price list for all your products. Factor in all the cost that you will be incurring in producing you homemade pasta like the ingredients, facility cost, packaging and labor cost. This should be drawn up in a spreadsheet form which would include the retail as well as bulk prices for each of your product. This information will be useful to your future retailers because it will show the proof of the profit they will be making if they sell your homemade pasta in their stores.
Regulatory Compliance
• Since you will be starting a homemade pasta making business and producing a food product, you need to get in touch with your local and state health departments to inquire about permit and licensing requirements.
• Make sure that you could sell the products that are produced from your home kitchen because different states have different laws regarding homemade food products. These information are available online from your state’s Department of Health website or …
Updated on August 4, 2017 by admin
Necessity of Objective Statement
As the name depicts, objective is the goal that you set to accomplish any particular task. When applying for any job, your objective is to see yourself in a better position after a few years. While applying for the banking jobs, your banking resume objective must tell to the potential employer about your future goals working as a bank employee. This statement will show your desire to join the company and get the job of your dreams. It must talk of your future career goals and explain to recruiters how you are going to accomplish these goals while benefiting the company.
Banking Sector
The job in the banking industry is of great responsibility as the person has to deal with the financial transactions and interpret the reports prepared by the bank as a result of the transaction. It is the sector where one has to check all the transactions of the concerned bank and prepare the relevant reports. The banking resume objectives must highlight the person’s knowledge in the domain and stress on listing the details that will convince the employer to hire him/her.
Job Description
There are various positions in the banking sector. The common job responsibilities that a banking associate has to handle are:
• Generating the revenue
• Creating financial portfolio
• Strategic Planning
• Managing the profits
• Building relationship and customer service
• Training the Management
• Direct and control the retail banking activities and resources
• Discuss business strategies with the clients
• Resolve the functional related queries and undertake functional testing
Important Words to Appear in Banking Objective
Objective statement is the introductory section of a resume. It will be the first section that will be viewed by the employer. Hence, it is necessary that this part is written clearly and in a convincing way. Going through this part, employer should get complete idea of your resume details. It is important to include the words that describe your existing skills. Below are provided such words that can boost the quality of your objective statement and make your resume stand out from the rest of them.
• Enthusiastic, self motivated, energetic, positive thinker, creative
• Strong analytical and logical approach
• Thorough knowledge of finance and banking
• Strong mathematical skills
The job in the banking sector can be highly satisfying and extremely fulfilling. If you are seeking a career in the banking sector, make sure that your career statement highlights the qualifying criterion and the background in this industry. Here we present you some examples of the banking resume objective statements to give a detailed idea of writing such career statements for different banking positions.
Sample Objective Statements
For Experienced Banking Professional
As an experienced banking professional, I am seeking the position of a manager in a reputed bank to put the past experience to good use. Possess strong strategic planning skills along with the decision making and finance management skills.
For Fresher Applicant
As a beginner in the …
Updated on August 10, 2017 by admin
If you own a pressure washing business or are considering starting your own business then there are a variety of different business forms you can use to make operations more organized and professional.
Making a business plan is the first form you should consider creating. A business plan will help you establish short and long-term goals. It will also help to estimate your cash flow and profits among many other important things. Also a business plan is required by financial lending institutions before they will approve any business loans.
A customer agreement form is an important form you can use to protect yourself from being sued if a problem arises on the job. This form basically states your company terms and conditions and makes the customer aware of their responsibilities before you can start the job.
For example, a couple of the many lines in a customer agreement form can read:
"Children and pets should be kept away from the work area while the work is in progress (safety) and after outer surfaces are washed or stained."
"Makes sure the windows are closed tightly and notify (your company name) of any damaged window seals or leaks."
The customer agreement form should be read and signed by the customer before starting the pressure washing job.
The company cleaning process is a form or brochure that you can use to help market your business. This form explains how your company pressure washes various surfaces such as vinyl siding, gutters, driveways, roof treatments etc. You can list the benefits of what your company offers in the company cleaning process. For example, you can explain how you use safe chemicals and how you apply them in a safe manner that prevails damage from being done to the property.
Another important sheet you should use for your pressure washing business is an invoice sheet or proposal form. When you estimate a job you need to place all of the important data on a professional looking invoice form so the customer understands what they are getting and why you are charging a certain amount. Important information such as the square feet or linear feet of an area a customer needs pressure washed, price of chemicals, and price per linear or square foot should be placed on the invoice sheet.
You and the customer should have a signed copy of this form after the job is complete. Your customers will appreciate that you took the time to make measurements and carefully explain what your pricing rates are in the business. It is one thing you can do to make your company more professional than your competitors.
An estimate sheet checklist is another form you should use when doing job estimates. This form simply helps you to remember to check important things commonly overlooked. For example, checking the water availability and pressure if you are using in-house water supplies, or making the necessary pre-inspections to avoid being blamed for damages that were already on the property.
One of …
Updated on August 4, 2017 by admin
When they need a financial breakthrough, most people have no trouble asking God for help. As Christians, we are taught to “make our requests known” through prayer. We understand that there is power in prayer. We understand that there is power in prayer. And when you have an urgent financial need, you don’t have time to wait. You need all the power you can get and you need it fast! Right?
Unfortunately, too often, we fail to see that power work in a timely manner-if at all. But how can that be? Scripture assures us that God hears our prayers and is faithful to answer, right? So what’s the problem? Why don’t we get what we’re asking God for-when we need it?
To achieve your financial breakthrough you must effectively using the power of prayer!! That’s why! You see, the power of prayer is not found solely during time on your knees. This is just the beginning-it’s like flipping the switch that sets a series of events in motion. It’s the completion of those events that produces the results you desire. So here are four series of events that ignite the power of prayer and expedite your financial breakthrough.
#1: The Word As The Foundation For Your Financial Breakthrough.
For your prayers to lead to quick results you have to know what to pray. God doesn’t honor just any old request. This means you have to find the word on your particular situation. So, the first thing to do is answer the question, “God, what does your word say about how my situation is supposed to be? To help you out, here are a few examples.
If you need money for a basic need like buying food and paying the rent or mortgage, utilities, or for an urgent medical procedure:
Why be like the pagans who are so deeply concerned about these things? Your heavenly Father already knows all your needs, and he will give you all you need from day to day if you live for him and make the Kingdom of God your primary concern. (Matthew 6:32-33 NLT)
For money to pay creditors to avoid losing your car, house, or business:
The Lord says, “I will rescue those who love me. I will protect those who trust in my name. (Psalm 91:14 NLT)
Or to overcome poverty or lack and get on the road to prosperity:
Study this Book of the Law continually. Meditate on it day and night so you may be sure to obey all that is written in it. Only then will you succeed. I command you-be strong and courageous! Do not be afraid or discouraged. For the Lord your God is with you wherever you go. (Joshua 1:8-9 NLT)
Okay, so now you’re armed with a few scriptures, now what? How do I use this to help me get what I need?
#2: A Strong Belief That God Will Provide Your Financial Breakthrough.
Most of the time we believe the word is true for …
Month: July 2016
Maslow’s Marketing Filter
Updated on August 10, 2017 by admin
One of the basics of all marketing and advertising training is a teaching of “Maslow’s needs pyramid”. This pyramid shows the different motivators and needs in a person’s life and how they are built one upon the other. Supposedly this is presented to help the marketing student understand consumer motivation and thinking. The problem is I’ve never seen it applied, in the text books. It’s presented as the foundation of human motivation and then it’s dropped.
I’d like to present to you a way to use Maslow’s needs pyramid so that you can get inside the consumer’s mind and develop an understanding of what’s truly motivating them as they consider purchasing your product or service.
Maslow’s needs pyramid present human needs such that each need is pursued and met before the next level of needs can be considered; they build upon one another. The needs from most basic to most complex are:
– physiological needs: food, shelter, sex
– safety needs: clothing, weapons, defense of self
– social needs: social acceptance
– esteem needs: acceptance of self by self
– fulfillment needs: a feeling of having and fulfilling a purpose
So the question is, “How do we use this paradigm to get inside the consumer’s head?”
Let’s consider a personal fitness training service. Here’s how it works at the most basic level. Place yourself in the position of the consumer and think as if you are considering hiring a personal fitness trainer.
1. How will personal fitness training impact my acquisition and use of food? Of shelter? Of sexual behavior? (Now you see why sex is used in marketing so many products – we react to it instinctually)
2. How will personal fitness training impact my personal safety?
– you’ll be in better shape and can run faster from a mugger, perhaps.
3. How will personal fitness training positively impact my standing in society? In my social circle? Access to different social circles?
4. How will personal fitness training positively impact how I think about myself?
5. Will personal fitness training have an impact on my personal sense of fulfillment?
I understand that most consumers, will ask themselves these types of questions without really thinking about them. The answers you develop as you purposely ask yourselves these types of questions will give you insight in the processes a consumer may consider or be susceptible to as they are considering purchasing personal fitness training services.
This process will also help you define ways to market that will get consumers to consider your personal fitness training service if they are not. Using Maslow’s needs pyramid helps you target your marketing. It is the foundation of:
Getting Attention
Developing Interest
Creating Desire
Facilitating Commitment
Motivating to Action
If you can use Maslow’s needs pyramid to get inside the head of the consumer by running it through a filter of questions like the one’s I’ve presented above you’ll have a tangible marketing advantage because you now can respond to your consumer’s internal dialogue.
Using …
Category: personal Tags: Business, Finance, insurance, Money , personal
Top 3 Jobs For People With Criminal Records
Updated on August 10, 2017 by admin
If you have a criminal record of some sort, I know it is hard to find a job. And I know that, so I’m going to show you a list of jobs that will hire you – even if you have a criminal records.
I mean how many times you try to get a job but the employer turned you down because of your criminal record that happened like a couple years ago or even 10 years ago? It stinks, doesn’t it? So what kind of jobs are there for people with a criminal record?
Here is a short list of jobs that you could get even if you have a criminal record … such as the military related jobs, truck driver, and clerical jobs but I want to talk about working at home using the Internet.
So here are 3 jobs that you can get even if you got a criminal record:
1. Military jobs (they will waive your criminal)
2. Work at home jobs (freelancing)
3. Restaurant jobs (depends on the restaurant … high class restaurants care, but if you’re working for a family restaurant, they’ll be okay if you’re honest about your criminal history. Sometimes they don’t even ask if you got a crime record)
You see, there are a lot of companies that hire people to work at home (it’s called telecommuting). And they don’t mind hiring people with a criminal record. Basically you can get jobs like customer care service, data call center specialist, researcher, or just secretary jobs.
Believe me I don’t want this to sound complicated or technical … because my silly friend got a job at home. If he can do it, I believe anyone can. Where do you find these jobs? Well it’s mostly contract work and you have to find them at various free lance job related websites.
But I recommend you learn how to make money on the Internet with Freebie Incentized Websites. And what is Freebie Incentized Websites? Basically what you do is you try out products on the Internet – and get paid for it at the same time.
This is a good way to make money on the Internet because you don’t need to invest any money up front and you can make an average of $10 per hour – which is okay if you’re working from home, right? So don’t worry if you got a criminal records because there are jobs for people with a criminal record.…
Category: money Tags: Business, Finance, insurance, Money , personal
Financial Statements – Business Owner’s Friend Or Foe?
Updated on August 4, 2017 by admin
Financial Statements are a set of statistics and scores not unlike the statistics and scores that show up after a sports game. For a sports team owner or manager, the statistics, replays, opinions, and ultimately the score, are a vital part of analyzing, tweaking and improving the game. They would never ignore them. It is their way of increasing the win rate. In contrast, business owners and managers, more often than not, it seems, view their financial statements as a necessary evil to satisfy the I.R.S. They either are completely unaware of the power of these reports, or they just choose to discount them. Many business owners are happy to turn the reports over to a bookkeeper or accountant to analyze.
So, what is wrong with that? Well, for starters, when the business owner does not use the financial reports as a tool, profitability is based more on luck than strategy.
Take forecasting the profitability of the business for example. Without knowledge of past performance, how do you come up with reasonable budget numbers? When done properly, there will be at least two components, historical performance and growth projection. However, if you do not clearly understand what is going on in your company, what minor or major changes will you make? Do you have the right mix of staff? Are there product lines that are not profitable? Is your pricing correct? How about your overhead, can that be improved or is it already in line with industry standards? How exactly can you improve your score? Do you know when there is a black hole draining your profits?
Then, there is the control issue. Who is controlling your business? Do you have controls in place? From experience, I can tell you that when the owner does not know what is going on with the finances of the business, there is ample room for corruption. Would you know if someone was stealing from you? Sometimes it is small seemingly insignificant skimming and other times it is more like grand theft. It happens all the time and the business owner is often completely unaware.
The solution is for the business owner to become educated in the financial aspects of the business. This does not mean they have to become an accountant. But, it is critical that they become knowledgeable of the accounting model in place. They need to understand the language. Business finance is no more difficult to understand than most other aspects of running a business. It is probably less difficult than some aspects.
The three most important financial reports are The Balance Sheet, The Income Statement and The Cash Flow Statement. The most important Key Performance Indicators are within these three reports. It is a cake walk!
Are financial statements your friend or foe? Friend, definitely friend! Take the luck out of profitability.…
Category: business, finance Tags: Business, Finance, insurance, Money , personal
The Advantages and Disadvantages of International Money Transfer Online Services
Updated on August 4, 2017 by admin
Advantages and disadvantages are attached to everything on the planet Earth. As far as money sending concerns; although the advancements in IT have made it possible to send money online in minutes, yet the dark side of the picture can not be overlooked along with appreciating the bright aspects. At first, let us take a view of the advantages of international money transfer online services:
Having walked through the advantages which online money transaction offers, now let us turn to the disadvantages it bears.
By and large, online money transfer services are neither from heaven nor from hell. In spite of all their advantages, lots of people rely more upon offline money transaction. And in spite of all their disadvantages, a huge percentage of the world population utilizes international money transfer online services on regular bases.…
Category: business, money Tags: Business, Finance, insurance, Money , personal
Top 8 Major Elements of Personal Protection Equipment
Updated on August 10, 2017 by admin
Personal protective equipment or PPC is now among the most common applications that can be seen in factory and working environments. PPE equipment can be easily worn by workers for minimizing exposure to different kinds of occupational hazards. Some PPE examples include fall protection, aprons, gloves, safety jackets, foot, eye and head protection. The use of PPE would only be a single element in a complete program safety that would employ different kinds of strategies for maintenance of healthy and safe working environment. However, total or permanent protection isn’t guaranteed by PPE as the hazard isn’t eliminated itself.
The major elements of personal protective equipment can be categorized through the body area of protected body, by the types of hazard, and the garment accessory. A single item, like safety shoes, would provide different types of protection: with steel insoles and steel toe cap you get different proper protection from puncture injuries or crushing, impervious rubber and protection lining from chemicals and water protection, high reflectivity and heal resistance through radiant heat protection, and high electrical resistivity protection through electric shock. Here lie the top 8 major elements of PPE-:
1. Noise
With the help of earmuffs and earplugs the damage extent to hearing can be significantly reduced thus increasing ear safety. High level noise exposure causes irreversible loss of hearing and impairment with psychological or physical stress.
2. Access and height protection
The range height and access protection is wide and includes things like fall-arrest systems, body harnesses, lowering harnesses, rescue lifting, lanyards, energy absorbers, etc. Such kind of PPE is specialized and needs thorough training through competent persons, in user checks and the right use as well.
3. Respirators
With respiratory mask it becomes simple to protect the worker from breathing contaminants in the polluted air, thus preserving respiratory tract and the heart’s health. Two main types of respirators are present. Type one functions through filtering gases, chemicals, and airborne particles, through air breathed by workers. The process of filtration would either be active or passive. Particulate respirators or gas masks are main examples of these kinds of respirators. The type two helps in protection of users by offering clean and respirable air through any other source. This type also includes self-contained breathing apparatus and respirators.
4. Protective clothing
Being one of the main PPE elements, it is all-encompassing and refers to different uniforms and suits that is worn for protection of users through any harm. Ballistic coats that are worn through law enforcement officials and lab coats or safety gloves that are worn by scientists daily at work would come under this category.
5. Ensembles
In personal protective equipment, many types of ensembles can be found for protecting you against different conditions and this work together for specific tasks or occupations. PPE equipment like safety helmets is usable for multiple tasks or occupation for offering maximum protection to users. Chainsaw protection can be done by wearing several equipment (especially hearing protection, face guard, anti-vibration gloves, Kevlar chaps and …
Category: personal Tags: Business, Finance, insurance, Money , personal
Benefits of Leisure and Recreation
Updated on August 4, 2017 by admin
Although it may not seem so, in reality, Leisure and Recreation is the largest industry in the world. The benefits of leisure and recreation as an important part of life are easy to see. As an industry, it offers a variety of related employment and creates billions of dollars in revenue. Workers in parks and recreation, community agencies, sports agencies, youth development organizations, non-profit organizations, rehab and hospital agencies, the travel and entertainment industries all utilize and benefit from parks and recreation facilities world-wide. Additional benefits of leisure and recreation include environmental improvements from expanding green spaces, health benefits, and personal satisfaction benefits.
There are many civic benefits of leisure and recreation activities. Sports and youth activities offer leadership development for adults and children. Strong communities are built as parks become a hub of community life. Benefits extend to all ages, childhood, youth, young adults, families, and seniors. Both care for environment and wellness through green spaces are enhanced by beauty. This same beauty helps combat stress through the opportunity for mild exercise and mediation upon natural beauty. Wilderness experiences are available in some locations.
For personal benefits, leisure activities may include:
Hobbies
Exercise
Sports
Gardening
Crafts
Health
Coping
Family Bonding
Physical benefits include increased lung capacity from sports participation, plus reducing serum cholesterol and hypertension, increasing bone mass, strengthening the spine, reducing disease, increase in feelings of well being, reduction in stress hormones, improved attitudes and performances, and improved social skills. For childhood development, recreational areas assist in learning, can keep kids off the streets, and enhance their confidence. Studies confirm that physical activity can aid the learning process in children. Sports activities enhance large motor skill development and social skills. Adult leaders offer positive role models to children. Group sports are well known for promoting social support, networking, and developing friendships.
As if all the above is not enough to encourage support of leisure and recreational activities, consider the following additional benefits:
Stress management – the mild stress of leisure activity can reduce overall negative stress by contributing to relaxation.
Self esteem – especially in children and seniors, mild exercise, group activities, and hobbies and crafts will help create positive self images.
Positive lifestyle development – contributing to society, social interaction, development of leaders, being part of organized sports all encourage good lifetime activities.
Personal satisfaction – any creative outlet will enhance personal satisfaction. Being part of the leadership offers self satisfaction, and those who work in the recreational areas can feel the pride in keeping these areas vital and available to others.
Quality of life – fresh air, sunshine, social interaction, health benefits and self esteem all will improve quality of life.
Preventative health – regular exercise, physiological benefits from mild exercise, and stress reduction all are made easier by having leisure and recreational activities readily available.
Since the future seems to be headed for a shorter work week and more extra time, support of leisure and recreational outlets and locations would be prudent, and benefit all …
Category: personal Tags: Business, Finance, insurance, Money , personal
Starting a Homemade Pasta Making Business
Updated on August 10, 2017 by admin
Starting a Homemade Pasta Making Business
The first thing that you should know if you are starting a homemade pasta making business is the basic process of making fresh pasta. This kind of pasta is made from fresh ingredients and has a shorter shelf life compared to the commercially made or dry pasta.
Manufacturing fresh pasta is better because the business owner can tailor fit it to the consumer’s needs and demands in terms of the shape, size, color and flavor of the finished product.
Below are some suggested steps in starting a homemade pasta making business, categorized into: Initial Stage, Regulatory Compliance and Marketing.
Initial Stage
• Create and perfect your own recipe that you think will sell and will come out the same way every time you prepare it. Have your family and friends taste them and ask for feedback.
• As in any business, when you are starting a homemade pasta making business, prepare a business plan which would contain the goals and business projections that you have set. This will guide you in the actual running of the business and to help you gauge if the business is doing good or not.
• Purchase your ingredients and supplies like bags and packaging supplies. Decide on how you intend to package your homemade pasta. You could pack it in a freezer-safe bag where the consumers can freeze it, refrigerate it or eat it immediately. It could also come in cellophane bags. You could search online for bulk suppliers for these items. You will be able to save money and will help create a professional and consistent look. Design your own labels on your computer and print them out or you could ask a professional designer to create them for you and order your labels in bulk. Make sure to include the cooking and serving instructions in the labels.
• Purchase equipments that you don’t already have to make the preparation of large batches of your recipes a lot faster and easier.
• Determine a wholesale price list for all your products. Factor in all the cost that you will be incurring in producing you homemade pasta like the ingredients, facility cost, packaging and labor cost. This should be drawn up in a spreadsheet form which would include the retail as well as bulk prices for each of your product. This information will be useful to your future retailers because it will show the proof of the profit they will be making if they sell your homemade pasta in their stores.
Regulatory Compliance
• Since you will be starting a homemade pasta making business and producing a food product, you need to get in touch with your local and state health departments to inquire about permit and licensing requirements.
• Make sure that you could sell the products that are produced from your home kitchen because different states have different laws regarding homemade food products. These information are available online from your state’s Department of Health website or …
Category: business, money Tags: Business, Finance, insurance, Money , personal
Get Various Banking Resume Objectives for a Career in Banking
Updated on August 4, 2017 by admin
Necessity of Objective Statement
As the name depicts, objective is the goal that you set to accomplish any particular task. When applying for any job, your objective is to see yourself in a better position after a few years. While applying for the banking jobs, your banking resume objective must tell to the potential employer about your future goals working as a bank employee. This statement will show your desire to join the company and get the job of your dreams. It must talk of your future career goals and explain to recruiters how you are going to accomplish these goals while benefiting the company.
Banking Sector
The job in the banking industry is of great responsibility as the person has to deal with the financial transactions and interpret the reports prepared by the bank as a result of the transaction. It is the sector where one has to check all the transactions of the concerned bank and prepare the relevant reports. The banking resume objectives must highlight the person’s knowledge in the domain and stress on listing the details that will convince the employer to hire him/her.
Job Description
There are various positions in the banking sector. The common job responsibilities that a banking associate has to handle are:
• Generating the revenue
• Creating financial portfolio
• Strategic Planning
• Managing the profits
• Building relationship and customer service
• Training the Management
• Direct and control the retail banking activities and resources
• Discuss business strategies with the clients
• Resolve the functional related queries and undertake functional testing
Important Words to Appear in Banking Objective
Objective statement is the introductory section of a resume. It will be the first section that will be viewed by the employer. Hence, it is necessary that this part is written clearly and in a convincing way. Going through this part, employer should get complete idea of your resume details. It is important to include the words that describe your existing skills. Below are provided such words that can boost the quality of your objective statement and make your resume stand out from the rest of them.
• Enthusiastic, self motivated, energetic, positive thinker, creative
• Strong analytical and logical approach
• Thorough knowledge of finance and banking
• Strong mathematical skills
The job in the banking sector can be highly satisfying and extremely fulfilling. If you are seeking a career in the banking sector, make sure that your career statement highlights the qualifying criterion and the background in this industry. Here we present you some examples of the banking resume objective statements to give a detailed idea of writing such career statements for different banking positions.
Sample Objective Statements
For Experienced Banking Professional
As an experienced banking professional, I am seeking the position of a manager in a reputed bank to put the past experience to good use. Possess strong strategic planning skills along with the decision making and finance management skills.
For Fresher Applicant
As a beginner in the …
Category: business, finance Tags: Business, Finance, insurance, Money , personal
The Top Business Forms Needed for a Pressure Washing Business
Updated on August 10, 2017 by admin
If you own a pressure washing business or are considering starting your own business then there are a variety of different business forms you can use to make operations more organized and professional.
Making a business plan is the first form you should consider creating. A business plan will help you establish short and long-term goals. It will also help to estimate your cash flow and profits among many other important things. Also a business plan is required by financial lending institutions before they will approve any business loans.
A customer agreement form is an important form you can use to protect yourself from being sued if a problem arises on the job. This form basically states your company terms and conditions and makes the customer aware of their responsibilities before you can start the job.
For example, a couple of the many lines in a customer agreement form can read:
"Children and pets should be kept away from the work area while the work is in progress (safety) and after outer surfaces are washed or stained."
"Makes sure the windows are closed tightly and notify (your company name) of any damaged window seals or leaks."
The customer agreement form should be read and signed by the customer before starting the pressure washing job.
The company cleaning process is a form or brochure that you can use to help market your business. This form explains how your company pressure washes various surfaces such as vinyl siding, gutters, driveways, roof treatments etc. You can list the benefits of what your company offers in the company cleaning process. For example, you can explain how you use safe chemicals and how you apply them in a safe manner that prevails damage from being done to the property.
Another important sheet you should use for your pressure washing business is an invoice sheet or proposal form. When you estimate a job you need to place all of the important data on a professional looking invoice form so the customer understands what they are getting and why you are charging a certain amount. Important information such as the square feet or linear feet of an area a customer needs pressure washed, price of chemicals, and price per linear or square foot should be placed on the invoice sheet.
You and the customer should have a signed copy of this form after the job is complete. Your customers will appreciate that you took the time to make measurements and carefully explain what your pricing rates are in the business. It is one thing you can do to make your company more professional than your competitors.
An estimate sheet checklist is another form you should use when doing job estimates. This form simply helps you to remember to check important things commonly overlooked. For example, checking the water availability and pressure if you are using in-house water supplies, or making the necessary pre-inspections to avoid being blamed for damages that were already on the property.
One of …
Category: business Tags: Business, Finance, insurance, Money , personal
Need a Financial Breakthrough? Access the Power of Prayer!
Updated on August 4, 2017 by admin
When they need a financial breakthrough, most people have no trouble asking God for help. As Christians, we are taught to “make our requests known” through prayer. We understand that there is power in prayer. We understand that there is power in prayer. And when you have an urgent financial need, you don’t have time to wait. You need all the power you can get and you need it fast! Right?
Unfortunately, too often, we fail to see that power work in a timely manner-if at all. But how can that be? Scripture assures us that God hears our prayers and is faithful to answer, right? So what’s the problem? Why don’t we get what we’re asking God for-when we need it?
To achieve your financial breakthrough you must effectively using the power of prayer!! That’s why! You see, the power of prayer is not found solely during time on your knees. This is just the beginning-it’s like flipping the switch that sets a series of events in motion. It’s the completion of those events that produces the results you desire. So here are four series of events that ignite the power of prayer and expedite your financial breakthrough.
#1: The Word As The Foundation For Your Financial Breakthrough.
For your prayers to lead to quick results you have to know what to pray. God doesn’t honor just any old request. This means you have to find the word on your particular situation. So, the first thing to do is answer the question, “God, what does your word say about how my situation is supposed to be? To help you out, here are a few examples.
If you need money for a basic need like buying food and paying the rent or mortgage, utilities, or for an urgent medical procedure:
Why be like the pagans who are so deeply concerned about these things? Your heavenly Father already knows all your needs, and he will give you all you need from day to day if you live for him and make the Kingdom of God your primary concern. (Matthew 6:32-33 NLT)
For money to pay creditors to avoid losing your car, house, or business:
The Lord says, “I will rescue those who love me. I will protect those who trust in my name. (Psalm 91:14 NLT)
Or to overcome poverty or lack and get on the road to prosperity:
Study this Book of the Law continually. Meditate on it day and night so you may be sure to obey all that is written in it. Only then will you succeed. I command you-be strong and courageous! Do not be afraid or discouraged. For the Lord your God is with you wherever you go. (Joshua 1:8-9 NLT)
Okay, so now you’re armed with a few scriptures, now what? How do I use this to help me get what I need?
#2: A Strong Belief That God Will Provide Your Financial Breakthrough.
Most of the time we believe the word is true for …
Category: business, money Tags: Business, Finance, insurance, Money , personal
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