Every business worth its name has a logo. It is that little graphic displayed on everything that is uniquely theirs- their website, products and stationery. In some cases, the logo may simply be a stylistic adaptation of a name. Hallmark is a fine example. In other cases, there are special graphics that serve to symbolize the company. The windows logo is one such famous graphic.
Logo design is one of the first activities undertaken by a company to establish their brand image. This is important because a logo fulfills a large range of functions. A good logo represents the company, gives a symbolic representation of what the company stands for and even carries the credibility of the company on its shoulders. Some companies spend thousands of dollars on custom logo design because they know that a successful logo must be appropriate, aesthetic and reliable. It must penetrate people's mind and carve a place for itself, so that one look at the symbol will invoke the company, its philosophy and products in the mind of those viewing it. A logo is said to be successful or worth the money you pay when the symbol is recognized instantly.
Many companies pay millions of dollars to purchase custom designed logos. They employ expensive graphic design agencies to produce a selection of custom logos, from which they select one. That is because they understand that a good logo will help their company stand out from the competition. Custom designed logos are original and unique, characteristics that are vital to the success of the logo as a brand ambassador. That said, custom designed logos have advantages and disadvantages.
Advantages of a custom logo design: Custom logo designs are designed specifically with your needs in mind. Generally, the design agency meets with the company and discusses the company's philosophy, services and culture. They discuss colors, design styles, fonts and layouts. Only then do designers begin their work. The design agency comes up with a number of templates. The client picks one that he likes or may ask for another round of discussion, if the designs are not up to his expectations. The greatest advantage of custom designed logo is its uniqueness. The company gets exactly what they are looking for, which is a great option if you have the cash to finance it.
Disadvantages of custom designed logo:
Highly expensive
Takes too much time
May run into delays
Custom designed logos are not for everyone. Small companies, individual entrepreneurs and others with limited resources may not be able to invest huge amounts of money into their logo design, though they still want sophisticated logos. Additionally, the time factor required for the development of a custom design is quite unpredictable. In case you are in a hurry to launch your company, waiting for a custom logo may not be the best option.
For companies that want excellent quality designs at a fraction of the cost, there is always a better option. Many online design agencies supply you with high quality logos at affordable prices. Most of these companies have a large catalog of pre-designed logos. So, it is easy for prospective clients to choose something they like straightaway. These can then be customized to a high degree of uniqueness. Thus services such as these make it easy for companies to bypass costly design companies in their quest for highly individualized, yet stylistically perfect logos.
Saturday, March 30, 2013
Thursday, March 28, 2013
Shareholder Loans - treatment by Canada Revenue Agency
Shareholder Loans
It has been widely common for the business owners to use their sole manager/director status to simply take funds for living from the corporation. Or, make the corporation pay for their personal expenses like home renovation or visa bills. Not wishing to declare it as personal income, but rather say that it was a loan that will be paid back later. On the other hand, the employed person would have paid those same expenses from his/her personal salary. It is obvious that the difference between those two would be that the employee has paid personal taxes, pension and employment insurance contribution, before receiving his/her net pay. Therefore, on average, 100k annual salary will give you a 60k net pay. The business owner, taking money directly from the business bypasses the source deductions, and receives access to the whole 100k. By The CRA rules, simplistically stated, If the company earns 250k net, and then pays the salary 100k, has 150k net income and needs to pay tax on 150k (16.5% for small business in Ontario). Then the person receiving 100k salary needs to pay personal income tax.(40-45% or more), and that is precisely what the average business owner is reluctant to do. For the same reason the CRA has concentrated its attention and developed a sophisticated set of laws and regulations to help enforce tax law in that area.
In particular, Section 15 of the Income Tax Act (ITA) outlines the CRA's position on loans advanced to shareholders/directors. The idea is that any benefit provided by the company to the shareholder/director shall be included in his/her taxable income. S. 15(2) deals with "shareholder debt" saying that where the shareholder, or any person connected to the shareholder received a loan "amount of loan or indebtedness is included in computing the income for the year of a person";
There is, however, a gesture of goodwill on the part of the ministry, saying in 15(2.6), that the above does not apply when "loan or indebtedness repaid within one year after the end of the taxation year of the lender" if it can be seen that " the repayment was not a part of series of loans or other transactions and repayments"
Home Purchase Loan
There might have been a home purchase loan from your corporation, that is allowed by the CRA, for the term of 5 years, with the renewal option. Should be" acquired for the sole purpose of acquiring right to inhabit a dwelling where the dwelling is for the habitation of
(a) the individual by virtue of office or employment the loan is received or the debt is incurred
(b) specified shareholder of the corporation by virtue of whose services the loan is received or the debt is incurred, or
(c) a person related to a person described in (a) or (b)"
Saying therefore, that you must be an employee or a shareholder, providing actively services to the corporation.
The loan must bear interest, and its principal does not have to be included in income of an individual, for the amount not exceeding what was actually paid for residence purchase during the year. S. 80.4(1); 80.4(7). The loan must be taken for the term not exceeding 5 years, and the "prescribed" interest rate must be paid.
Automobile purchase loan option is also available, shall it be received for the reason of employment, as opposed to shareholdings.
It has been widely common for the business owners to use their sole manager/director status to simply take funds for living from the corporation. Or, make the corporation pay for their personal expenses like home renovation or visa bills. Not wishing to declare it as personal income, but rather say that it was a loan that will be paid back later. On the other hand, the employed person would have paid those same expenses from his/her personal salary. It is obvious that the difference between those two would be that the employee has paid personal taxes, pension and employment insurance contribution, before receiving his/her net pay. Therefore, on average, 100k annual salary will give you a 60k net pay. The business owner, taking money directly from the business bypasses the source deductions, and receives access to the whole 100k. By The CRA rules, simplistically stated, If the company earns 250k net, and then pays the salary 100k, has 150k net income and needs to pay tax on 150k (16.5% for small business in Ontario). Then the person receiving 100k salary needs to pay personal income tax.(40-45% or more), and that is precisely what the average business owner is reluctant to do. For the same reason the CRA has concentrated its attention and developed a sophisticated set of laws and regulations to help enforce tax law in that area.
In particular, Section 15 of the Income Tax Act (ITA) outlines the CRA's position on loans advanced to shareholders/directors. The idea is that any benefit provided by the company to the shareholder/director shall be included in his/her taxable income. S. 15(2) deals with "shareholder debt" saying that where the shareholder, or any person connected to the shareholder received a loan "amount of loan or indebtedness is included in computing the income for the year of a person";
There is, however, a gesture of goodwill on the part of the ministry, saying in 15(2.6), that the above does not apply when "loan or indebtedness repaid within one year after the end of the taxation year of the lender" if it can be seen that " the repayment was not a part of series of loans or other transactions and repayments"
Home Purchase Loan
There might have been a home purchase loan from your corporation, that is allowed by the CRA, for the term of 5 years, with the renewal option. Should be" acquired for the sole purpose of acquiring right to inhabit a dwelling where the dwelling is for the habitation of
(a) the individual by virtue of office or employment the loan is received or the debt is incurred
(b) specified shareholder of the corporation by virtue of whose services the loan is received or the debt is incurred, or
(c) a person related to a person described in (a) or (b)"
Saying therefore, that you must be an employee or a shareholder, providing actively services to the corporation.
The loan must bear interest, and its principal does not have to be included in income of an individual, for the amount not exceeding what was actually paid for residence purchase during the year. S. 80.4(1); 80.4(7). The loan must be taken for the term not exceeding 5 years, and the "prescribed" interest rate must be paid.
Automobile purchase loan option is also available, shall it be received for the reason of employment, as opposed to shareholdings.
Tuesday, March 26, 2013
How To Think Fast In a Job Interview
Has your mind ever gone blank during a job interview? That's interview brain freeze, and it's horrifying. Your confidence sags and the interview goes from bad to worse. As a job-search career coach, this is the most frequent interview dilemma I hear about from my clients. Typically, brain freeze occurs when behavioral or situational interview questions are asked. With the right preparation you can learn to think faster and improve your interview performance.
First of all, it's important to understand what a behavioral or situational interview question is. It is any question that start with:
Tell me a time when ...
Give an example of ...
Describe a situation when ...
Employers ask these types of questions with the assumption that past behavior indicates future performance. These questions reveal a lot about a candidate, including a candidates ability to think fast on their feet. Given that interviews are inherently stressful, many job seekers find it extremely difficult to think fast during interviews. Here are four steps that will help you prepare for any interview question.
1.Take inventory of your accomplishments.
This requires more than a cursory mental note of the good stuff you've done in the past year. Take a systematic approach by asking yourself what challenges you've faced in each of your positions over the past five or more years. Try asking yourself
What processes have I improved?
How have I made work easier for others?
What did I do to save my company money?
When did I find a solution to a departmental problem. How did I save time?
When did I go beyond the call of duty to solve a customer problem?
Write out your answers to these questions. Quantitative information is always helpful. Include dollars saved, hours cut, percentage increased etc.
2.Study the job description.
With your list of accomplishments in hand you are ready to turn your attention to the job description. Study the requirements to determine the all possible challenges involved with the job. It helps to look at other similar job descriptions that may include more requirement details. Additionally, ask others who hold similar positions what their greatest challenges of the job are. Write out your list of anticipated challenges.
3.Create a list behavioral questions.
Turn your list of challenges of the position into a list of questions that start with:
Tell me a time when you ...
Describe a situation when ...
Have you ever had to ...
Your list will look something like:
Explain how you cut costs from your annual budget.
Describe a situation when you had to fire a friend.
How would you go about repairing a relationship with a disgruntled client?
4.Use your list of accomplishments to answer your behavioral questions.
Ask a friend to help you role play your interview answers. You should feel very comfortable communicating your success stories. The more time you practice actually talking about your accomplishments the faster you'll be able to recall your stories in your next interview.
With interview performance more important than ever before it pays to prepare, prepare, prepare. There is no such thing as over preparation when it comes to interviews. Follow this easy method of interview preparation to gain confidence and skill for your next interview. The better you interview the faster you'll be at your new job.
First of all, it's important to understand what a behavioral or situational interview question is. It is any question that start with:
Tell me a time when ...
Give an example of ...
Describe a situation when ...
Employers ask these types of questions with the assumption that past behavior indicates future performance. These questions reveal a lot about a candidate, including a candidates ability to think fast on their feet. Given that interviews are inherently stressful, many job seekers find it extremely difficult to think fast during interviews. Here are four steps that will help you prepare for any interview question.
1.Take inventory of your accomplishments.
This requires more than a cursory mental note of the good stuff you've done in the past year. Take a systematic approach by asking yourself what challenges you've faced in each of your positions over the past five or more years. Try asking yourself
What processes have I improved?
How have I made work easier for others?
What did I do to save my company money?
When did I find a solution to a departmental problem. How did I save time?
When did I go beyond the call of duty to solve a customer problem?
Write out your answers to these questions. Quantitative information is always helpful. Include dollars saved, hours cut, percentage increased etc.
2.Study the job description.
With your list of accomplishments in hand you are ready to turn your attention to the job description. Study the requirements to determine the all possible challenges involved with the job. It helps to look at other similar job descriptions that may include more requirement details. Additionally, ask others who hold similar positions what their greatest challenges of the job are. Write out your list of anticipated challenges.
3.Create a list behavioral questions.
Turn your list of challenges of the position into a list of questions that start with:
Tell me a time when you ...
Describe a situation when ...
Have you ever had to ...
Your list will look something like:
Explain how you cut costs from your annual budget.
Describe a situation when you had to fire a friend.
How would you go about repairing a relationship with a disgruntled client?
4.Use your list of accomplishments to answer your behavioral questions.
Ask a friend to help you role play your interview answers. You should feel very comfortable communicating your success stories. The more time you practice actually talking about your accomplishments the faster you'll be able to recall your stories in your next interview.
With interview performance more important than ever before it pays to prepare, prepare, prepare. There is no such thing as over preparation when it comes to interviews. Follow this easy method of interview preparation to gain confidence and skill for your next interview. The better you interview the faster you'll be at your new job.
Thursday, March 21, 2013
Essential Investment Books
This book by Jim Paul and Brendan Moynihan is a book any trader should read The book correctly states that there are lots of different ways to make money and only a few ways to lose it. Therefore you need to concentrate on not losing first
If you have not read this book you will see the markets in a completely different light and one that could lead you to bigger profits and is simply one of the best investment books ever writtten.
What I Learned Losing a Million Dollars is a fascinating, insightful, easy-to-read true story of Jim Paul's rise from a humble country background to jet-setting millionaire trader and Governor of the Chicago Mercantile Exchange.
It is an examination of the lessons he learned from losing a million dollars in the market which brought about his demise and then covers his rise from the ashes.
This book contains no technical theories and really focuses on how NOT To lose money there are plenty of ways to make money so how come most traders lose it?
The answer lies as we have stated that:
It's not how you make money that's important there are many ways to do that, but are only a few ways to lose it and if you are mindful of them and don't make losing mistakes - you can emerge a winner.
The book is essentially divided into two parts:
Section 1
The first half of the book about Jim's life makes you feel close to him and the experience he is facing as his world crashes around him. It's both funny and sad in equal measure and is a superb fiction story.
Section 2
After the loss and its aftermath, comes the authors views of what he had learned and this really is original, thought provoking and insightful. The authors show you how to identify and manage the risks, both monetary and emotional that is part of any decision making including trading.
Playing great defense
The authors covers the key areas ALL losing traders fail in, that let losses get out of control.
Key areas covered are:
- The three biggest mistakes traders make and how to avoid them.
- Why the most important part of building wealth is not losing it.
- The psychological pattern which all losses take in a traders head, regardless of the position size
The discussion on the risk/reward ratio, and why most other books get it wrong is perhaps the most interesting part of the book.
This point is worth the books price alone as the aothor explains
Why you have to take into account the PROBABILITY of return, and PROBABILITY of loss, when trading and not simply divide the size of your expected return by the size of your expected loss, as most authors suggest if you do you will lose!
This really is the key point of the book if you want to keep losses under control as it states in the preface.
This book is a case study of the classic tale of countless entrepreneurs: the risk taker who sees an opportunity, the idea that clicks the intoxicating growth, the errors and the collapse. Our case is that of a trader, but as with all case studies and parables the lessons can be applied to a great many other situations.
If you want a book to show you the importance of emotional discipline and the art of risk management, then this is it.
This book has recently gone out of print, so get your hands on a second hand copy or get to the library and read it.
If you have not read this book you will see the markets in a completely different light and one that could lead you to bigger profits and is simply one of the best investment books ever writtten.
What I Learned Losing a Million Dollars is a fascinating, insightful, easy-to-read true story of Jim Paul's rise from a humble country background to jet-setting millionaire trader and Governor of the Chicago Mercantile Exchange.
It is an examination of the lessons he learned from losing a million dollars in the market which brought about his demise and then covers his rise from the ashes.
This book contains no technical theories and really focuses on how NOT To lose money there are plenty of ways to make money so how come most traders lose it?
The answer lies as we have stated that:
It's not how you make money that's important there are many ways to do that, but are only a few ways to lose it and if you are mindful of them and don't make losing mistakes - you can emerge a winner.
The book is essentially divided into two parts:
Section 1
The first half of the book about Jim's life makes you feel close to him and the experience he is facing as his world crashes around him. It's both funny and sad in equal measure and is a superb fiction story.
Section 2
After the loss and its aftermath, comes the authors views of what he had learned and this really is original, thought provoking and insightful. The authors show you how to identify and manage the risks, both monetary and emotional that is part of any decision making including trading.
Playing great defense
The authors covers the key areas ALL losing traders fail in, that let losses get out of control.
Key areas covered are:
- The three biggest mistakes traders make and how to avoid them.
- Why the most important part of building wealth is not losing it.
- The psychological pattern which all losses take in a traders head, regardless of the position size
The discussion on the risk/reward ratio, and why most other books get it wrong is perhaps the most interesting part of the book.
This point is worth the books price alone as the aothor explains
Why you have to take into account the PROBABILITY of return, and PROBABILITY of loss, when trading and not simply divide the size of your expected return by the size of your expected loss, as most authors suggest if you do you will lose!
This really is the key point of the book if you want to keep losses under control as it states in the preface.
This book is a case study of the classic tale of countless entrepreneurs: the risk taker who sees an opportunity, the idea that clicks the intoxicating growth, the errors and the collapse. Our case is that of a trader, but as with all case studies and parables the lessons can be applied to a great many other situations.
If you want a book to show you the importance of emotional discipline and the art of risk management, then this is it.
This book has recently gone out of print, so get your hands on a second hand copy or get to the library and read it.
Wednesday, March 20, 2013
Payroll Puerto Rico, Unique Aspects of Puerto Rico Payroll Law and Practice
The Puerto Rico State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:
Department of the Treasury
Bureau of Income Tax
Intendente Alejandro Ramirez Bldg.
Paseo Covadonga, Stop 1
P.O. Box S-4515
San Juan, PR 00905
(787) 721-2020
Puerto Rico has no State Income Tax. Therefore, there are no State W2's to file, no supplement wage withholding rates and no State W2's to file.
The Puerto Rico State Unemployment Insurance Agency is:
Department of Labor and Human Resources
Bureau of Employment Security
Prudencio Rivera Martinez Bldg.
505 Munoz Rivera Ave.
Hato Rey, PR 00918
(787) 754-5262
The State of Puerto Rico taxable wage base for unemployment purposes is wages up to ,000.00.
Puerto Rico has no provision of quarterly wages on magnetic media.
Unemployment records must be retained in Puerto Rico for a minimum period of five years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.
The Puerto Rico State Agency charged with enforcing the state wage and hour laws is:
Department of Labor and Human Resources
505 Munoz Rivera Ave.
Hato Rey, PR 00918
(787) 754-2119
There is no provision for minimum wage in Puerto Rico.
The general provision in Puerto Rico concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate after 40-hour week except under contract, custom, nature of work.
There is no provision of new hire requirements in the Puerto Rico law.
There is no provision of rules for direct deposit for Puerto Rico.
Puerto Rico has no Wage and Hour Law provisions concerning pay stub information except that employees paid by direct deposit must get a voucher showing all deductions.
Puerto Rico requires that employee be paid every 15 days.
In Puerto Rico there are no statutory requirements concerning the lag time between when the services are performed and when the employee must be paid.
Puerto Rico payroll law requires that involuntarily terminated employees must be paid their final pay by next regular payday.
Puerto Rico has no general provision on when voluntarily terminated employees must be paid their final wages.
There is no provision in Puerto Rico law concerning paying deceased employees.
There is no provision of when unclaimed wages should be paid in Puerto Rico.
There is no provision in Puerto Rico law concerning record retention of abandoned wage records.
There is no provision in Puerto Rico law concerning tip credits against State minimum wage.
In Puerto Rico the payroll laws covering mandatory rest or meal breaks are only that all employees must have 1-hour meal period after 3rd and before 6th hour of shift unless agreed otherwise.
There is no provision in Puerto Rico law concerning record retention of wage and hour records therefore it is probably wise to follow FLSA guidelines.
The Puerto Rico agency charged with enforcing Child Support Orders and laws is:
Child Support Enforcement Program
Department of Social Services
P.O. Box 3349
San Juan, PR 00902-3349
(787) 767-1500
Puerto Rico has no provisions for child support deductions.
Please note that this article is not updated for changes that can and will happen from time to time.
Department of the Treasury
Bureau of Income Tax
Intendente Alejandro Ramirez Bldg.
Paseo Covadonga, Stop 1
P.O. Box S-4515
San Juan, PR 00905
(787) 721-2020
Puerto Rico has no State Income Tax. Therefore, there are no State W2's to file, no supplement wage withholding rates and no State W2's to file.
The Puerto Rico State Unemployment Insurance Agency is:
Department of Labor and Human Resources
Bureau of Employment Security
Prudencio Rivera Martinez Bldg.
505 Munoz Rivera Ave.
Hato Rey, PR 00918
(787) 754-5262
The State of Puerto Rico taxable wage base for unemployment purposes is wages up to ,000.00.
Puerto Rico has no provision of quarterly wages on magnetic media.
Unemployment records must be retained in Puerto Rico for a minimum period of five years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.
The Puerto Rico State Agency charged with enforcing the state wage and hour laws is:
Department of Labor and Human Resources
505 Munoz Rivera Ave.
Hato Rey, PR 00918
(787) 754-2119
There is no provision for minimum wage in Puerto Rico.
The general provision in Puerto Rico concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate after 40-hour week except under contract, custom, nature of work.
There is no provision of new hire requirements in the Puerto Rico law.
There is no provision of rules for direct deposit for Puerto Rico.
Puerto Rico has no Wage and Hour Law provisions concerning pay stub information except that employees paid by direct deposit must get a voucher showing all deductions.
Puerto Rico requires that employee be paid every 15 days.
In Puerto Rico there are no statutory requirements concerning the lag time between when the services are performed and when the employee must be paid.
Puerto Rico payroll law requires that involuntarily terminated employees must be paid their final pay by next regular payday.
Puerto Rico has no general provision on when voluntarily terminated employees must be paid their final wages.
There is no provision in Puerto Rico law concerning paying deceased employees.
There is no provision of when unclaimed wages should be paid in Puerto Rico.
There is no provision in Puerto Rico law concerning record retention of abandoned wage records.
There is no provision in Puerto Rico law concerning tip credits against State minimum wage.
In Puerto Rico the payroll laws covering mandatory rest or meal breaks are only that all employees must have 1-hour meal period after 3rd and before 6th hour of shift unless agreed otherwise.
There is no provision in Puerto Rico law concerning record retention of wage and hour records therefore it is probably wise to follow FLSA guidelines.
The Puerto Rico agency charged with enforcing Child Support Orders and laws is:
Child Support Enforcement Program
Department of Social Services
P.O. Box 3349
San Juan, PR 00902-3349
(787) 767-1500
Puerto Rico has no provisions for child support deductions.
Please note that this article is not updated for changes that can and will happen from time to time.
Thursday, March 14, 2013
What Are The Guidelines Of Good Office Behavior?
All would surely agree that success on the work front is one thing which each working professional wants to achieve. Well there are one or two factors that determine your growth at your job. One thing that you can't afford to lose out on this aspect is your behavior or the official conduct. No matter how busy and dedicated you are towards your work you are very likely to not score any point if your official conduct isn't satisfactory. Let's take a look at some of the measures that will help you improve the official conduct to a great extent.
One of the basic and the most vital thing in this context is a deferential behavior. This is truthfully the thumb rule for the right official behavior. There is no denial of the fact that the office environment can become quite maddening and scary occasionally. There may be examples when all that you would feel is to snap and shout at your associates. However,this is not the right thing to do when in an office. It's important that you stop your concern from rising high and still be mannered while talking to one and all. It's not only with the seniors that you need to maintain a polite behavior; it's with everybody you need to behave the same. Ever if it is your junior or the individual at very low designation, make sure that you give all due respect.
Another thing critical here is punctuality. It goes a long way in deciding the efficiency of the individual in the workplace. If you would like to score brownie points in your office behavior, it is suggested to always reach office on proper time. The perfect thing is to reach at least ten -15 minutes prior to your office timings. In this manner you will be able to well work out the work you will need to shut off. This will put you at ease and also keep you relaxed before you really get going with the long day of work.
Try not to get ready at work. Of course, you would wish to look your best during the office hours but ensure that you spare the desk. Many folks are into the practice of brushing their hair or touching up their make ups at their desk. Avoid this utterly. Your office has a rest room. Use it to the best of your advantage and spare the office desk.
Concentrate on you body language. It speaks volume about the type of person you are and what type of behaviour you usually portray in the office. No matter how well spoken you are, it would be of tiny use if the body language don't communicate the same. If you're speaking to somebody and you are simultaneously busy fidgeting with your hair, with your hands, it reflects disinterest and therefore rudeness in an official environment. In such a case, it is in your best interest to grin and always maintain a pleasant expression on your face. This will open the communication channels and thus can work definitely for the improvement in the work too.
Watch your clothes. While this is true for any one, it holds much more importance for ladies. Your office is meant to be a place for work and not some fancy dress competition. Keep your best dresses for other occasions. At work, you should be dressed in a straightforward yet smart fashion. Even if your workplace does not call for the need of formals, make sure that you are not heading to work in teenage clothing.
If sticking to simple and easy rules can increase your success rate at work, then you should start following them right away. So, go ahead and make it a point to follow them today onwards.
One of the basic and the most vital thing in this context is a deferential behavior. This is truthfully the thumb rule for the right official behavior. There is no denial of the fact that the office environment can become quite maddening and scary occasionally. There may be examples when all that you would feel is to snap and shout at your associates. However,this is not the right thing to do when in an office. It's important that you stop your concern from rising high and still be mannered while talking to one and all. It's not only with the seniors that you need to maintain a polite behavior; it's with everybody you need to behave the same. Ever if it is your junior or the individual at very low designation, make sure that you give all due respect.
Another thing critical here is punctuality. It goes a long way in deciding the efficiency of the individual in the workplace. If you would like to score brownie points in your office behavior, it is suggested to always reach office on proper time. The perfect thing is to reach at least ten -15 minutes prior to your office timings. In this manner you will be able to well work out the work you will need to shut off. This will put you at ease and also keep you relaxed before you really get going with the long day of work.
Try not to get ready at work. Of course, you would wish to look your best during the office hours but ensure that you spare the desk. Many folks are into the practice of brushing their hair or touching up their make ups at their desk. Avoid this utterly. Your office has a rest room. Use it to the best of your advantage and spare the office desk.
Concentrate on you body language. It speaks volume about the type of person you are and what type of behaviour you usually portray in the office. No matter how well spoken you are, it would be of tiny use if the body language don't communicate the same. If you're speaking to somebody and you are simultaneously busy fidgeting with your hair, with your hands, it reflects disinterest and therefore rudeness in an official environment. In such a case, it is in your best interest to grin and always maintain a pleasant expression on your face. This will open the communication channels and thus can work definitely for the improvement in the work too.
Watch your clothes. While this is true for any one, it holds much more importance for ladies. Your office is meant to be a place for work and not some fancy dress competition. Keep your best dresses for other occasions. At work, you should be dressed in a straightforward yet smart fashion. Even if your workplace does not call for the need of formals, make sure that you are not heading to work in teenage clothing.
If sticking to simple and easy rules can increase your success rate at work, then you should start following them right away. So, go ahead and make it a point to follow them today onwards.
Monday, March 11, 2013
Finance Careers In Health Care
If you think careers in the field of finance is limited to having jobs in manufacturing and other more business like companies, then it's time to widen your perspective and look beyond the business districts. Finance professionals like accountants, auditors and finance analysts are needed in every field, including, and perhaps even more so, in the field of health care. A finance career in health care is a worthy profession. One can also view the health care industry as an advantage with regards to advancement in their career. For starters, the industry will always be in need of finance managers to tackle issues like accounting, budget, insurance claims, health benefit claim, etc. Jobs will always await those who are qualified.Another thing is that it seems that amidst erratic economic instability, the health care services is and will always be among the most stable industry out there. With the increasing number of older people, and the advancement of technologies that help improve healthy living, more and more people will need health care services in the future. Stable as it is, though, the health care industry is not without its set of problems. However, moving into health care is still a good move if you know what you're getting yourself into. Not to scare you or anything, but advancing your financial career towards health care is not something that you should underestimate.
If you think that your background on corporate finance management is enough to help you move easily about in the world of health services, then you're wrong. The first step when moving your career to the health sector is that you need to be prepared. Even though one would argue that accounting is simply accounting wherever you go, there are certain concepts and ideas in the health care industry which can be confusing. Mathematics and numbers can be considered as the universal language but applying those numbers and the kind of mathematics into a comprehensible and usable system requires knowledge and skills that can be highly specific to a field of study. Health care is one of that area. In advancing your finance career in health services, it would be wise to stack up on knowledge on HMO, home health care, managed care for patients, PPOs, and similar medical terms, concepts and the like. Studying these health related issues and concepts will keep you on your toes and will help you make sound decisions.
You need to prepare yourself to battle head-on various government imposed regulations on health services, lots of house or hospital rules and not to mention existing regulations being handles by organizations from both the medical profession and the finance industry themselves. Don't get me wrong. My aim is not to discourage people from moving to health care from manufacturing and service oriented business. But rather, the intention is to inform would be finance professionals of the needs of the health care industry to give them time to prepare themselves towards the transition. Another way to prepare is to begin browsing job listings and similar materials. These job postings will usually have descriptions telling people who wish to apply what to expect from the job, the responsibilities and other details. In summary, having a finance careers in health care is a good career move. Just be certain that it is something that you want and your motivation to learn remains high. The profession is a good one and the industry will stick around for a long time.
If you think that your background on corporate finance management is enough to help you move easily about in the world of health services, then you're wrong. The first step when moving your career to the health sector is that you need to be prepared. Even though one would argue that accounting is simply accounting wherever you go, there are certain concepts and ideas in the health care industry which can be confusing. Mathematics and numbers can be considered as the universal language but applying those numbers and the kind of mathematics into a comprehensible and usable system requires knowledge and skills that can be highly specific to a field of study. Health care is one of that area. In advancing your finance career in health services, it would be wise to stack up on knowledge on HMO, home health care, managed care for patients, PPOs, and similar medical terms, concepts and the like. Studying these health related issues and concepts will keep you on your toes and will help you make sound decisions.
You need to prepare yourself to battle head-on various government imposed regulations on health services, lots of house or hospital rules and not to mention existing regulations being handles by organizations from both the medical profession and the finance industry themselves. Don't get me wrong. My aim is not to discourage people from moving to health care from manufacturing and service oriented business. But rather, the intention is to inform would be finance professionals of the needs of the health care industry to give them time to prepare themselves towards the transition. Another way to prepare is to begin browsing job listings and similar materials. These job postings will usually have descriptions telling people who wish to apply what to expect from the job, the responsibilities and other details. In summary, having a finance careers in health care is a good career move. Just be certain that it is something that you want and your motivation to learn remains high. The profession is a good one and the industry will stick around for a long time.
Saturday, March 9, 2013
Asian Mail Order Brides Looking For Single Men In The West
Nowadays there are thousands of Asian mail order brides who register themselves with marriage agencies to look for husband overseas. Every year, there are many marriages happen between foreign men and Asian women. Basically, the marriages are created in Asia where the ladies live. Because of the lifestyles that people live in Asian countries, thousands or even millions of women in Asia are looking for foreign husbands to have a better future for them and the children. They are willing to get married with even older men. Single men looking for Asian women because of the physical beauty and the characteristics. They are popular in their feminine, petite, slender, and grace. Most of them are charming and appealing. Especially they know how to cook, treat and respect their husbands.
Asian brides conduct with good manners. They are polite and they respects and consider the family as the ultimate thing in life. The main reason that these ladies want to look for husbands overseas is to get a better future. Especially, men in the West are popular in treating a lady. In Asia, there are many domestic violence so some women are afraid of getting married. By looking at the way Western men treat the wife, women in Asia dream of being treated and cared like that. So, who else don't want to get married with Asian men who live in the West or even native Western guy? In Asia, if an Asian woman gets married with a man who lives in the West, she is proud of herself. Also, her family is proud of relatives, friends, and neighborhood.
Most of these mail order brides live in developing countries, including Philippines, Thai, Vietnam, Cambodia, China, Korea, and so on. These ladies are either single, widowed, divorced. They register their personal ads at either Asian dating sites, online dating services, or mail order bride agencies. They are available and looking for a husband in the West. When single men seeking women in Asia contact them, they will reply to the message and start the process. Most of these girls are ready to meet the men in their local area. So, most of men who are interested in these ladies, they will come to Asia to meet the girls and go from there. Most of them see at least two girls so they can make decision to choose the best one for marriage. That's how it work. Asian brides also do the same thing.
Why are single men looking for Asian mail order brides?
Most of these Asian girls are traditional. They are beautiful, honest, and faithful to love, relationship and marriage. An Asian woman is physically attractive and appealing. She is gentle and polite. She has strong family values. Of course, she is willing to get married with an old guy. Most of these brides can adapt to new country and cultures easily.
Why are single Asian women looking for men overseas?
Finance is the first thing. Modern life is the second. Most of these women in Asia life in a poor and outdated lifestyle. They are looking for improving their lifestyle by getting married with men in the West. These guys are either native Western men or Asian Western men.
So, if you are one of these single Asian women looking for men in the West and vice verse, then you should take action to find your second half today. Life is short. Don't just sit there and wait. Take action to register a profile and meet your future life mate now.
Asian brides conduct with good manners. They are polite and they respects and consider the family as the ultimate thing in life. The main reason that these ladies want to look for husbands overseas is to get a better future. Especially, men in the West are popular in treating a lady. In Asia, there are many domestic violence so some women are afraid of getting married. By looking at the way Western men treat the wife, women in Asia dream of being treated and cared like that. So, who else don't want to get married with Asian men who live in the West or even native Western guy? In Asia, if an Asian woman gets married with a man who lives in the West, she is proud of herself. Also, her family is proud of relatives, friends, and neighborhood.
Most of these mail order brides live in developing countries, including Philippines, Thai, Vietnam, Cambodia, China, Korea, and so on. These ladies are either single, widowed, divorced. They register their personal ads at either Asian dating sites, online dating services, or mail order bride agencies. They are available and looking for a husband in the West. When single men seeking women in Asia contact them, they will reply to the message and start the process. Most of these girls are ready to meet the men in their local area. So, most of men who are interested in these ladies, they will come to Asia to meet the girls and go from there. Most of them see at least two girls so they can make decision to choose the best one for marriage. That's how it work. Asian brides also do the same thing.
Why are single men looking for Asian mail order brides?
Most of these Asian girls are traditional. They are beautiful, honest, and faithful to love, relationship and marriage. An Asian woman is physically attractive and appealing. She is gentle and polite. She has strong family values. Of course, she is willing to get married with an old guy. Most of these brides can adapt to new country and cultures easily.
Why are single Asian women looking for men overseas?
Finance is the first thing. Modern life is the second. Most of these women in Asia life in a poor and outdated lifestyle. They are looking for improving their lifestyle by getting married with men in the West. These guys are either native Western men or Asian Western men.
So, if you are one of these single Asian women looking for men in the West and vice verse, then you should take action to find your second half today. Life is short. Don't just sit there and wait. Take action to register a profile and meet your future life mate now.
Tuesday, March 5, 2013
Get A $10,000 Personal Loan With Bad Credit: It's All About Purpose
Oftentimes, people with bad credit assume that getting a ,000 personal loan is pretty much impossible. With bad credit, they think, no lender will even talk to me. However, what these people fail to realize is the importance of factors other than credit in the assignment of a loan. Though personal loans are inherently more risky than secured loans like home and car loans, borrowers with bad credit can still acquire them if the frame their application in a way in which promotes the reason for getting the loan in the first place rather than their bad credit history. This is the key to securing a ,000 personal loan with bad credit which will be discussed in detail in this article.
The Importance of Purpose
When it comes to lending money, professional lenders are concerned with a number of factors surrounding that money. Though credit is among these factors, it does not exist alone. In addition, the lender wants to know what the borrower intends to do with the money he takes. In the case of a secured loan, like a car loan, the ,000 is obviously going towards the purchase of a vehicle which is most likely needed. However, personal loans are not so closely tied to their purchases and many times lenders fear that those with bad credit intend to use the loan for the wrong reasons.
Basically, a lender wants assurances that the ,000 personal loan they offer to a person with bad credit will be used for a responsible reason. Loans that are taken out to consolidate debt or to pay medical bills qualify as solid loans. However, looking for a ,000 personal loan to finance a vacation is not such a good idea. Especially with bad credit, personal loans need to be used only as a last resort and the reasons for taking it should exhibit your responsibility as a borrower, not the reasons for your bad credit in the first place.
How to Include Purpose in a Loan Application
At first, trying to convince a lender to give you a ,000 personal loan with bad credit based on your application alone may seem impossible. After all, most online applications are pretty straightforward. This is where planning and anticipation come into play. If you fill out an online form and leave it to chance all you are likely to get is rejection. Instead, consider ways to integrate your purpose into your application consideration through a follow-up email or, even better, a phone call. By making your needs known to the lender you become a human that is more likely to receive sympathy rather than just another borrower with bad credit looking for a personal loan.
Using Your Loan
A final factor to consider when looking for a ,000 personal loan is the long term implications of taking on more debt. It is important to understand that, even if you get this loan with bad credit, you will still have to deal with the realities of your financial situation. Personal loans are really only temporary bandages, not long term solutions. Consider talking to a debt specialist about your previous issues that led to your bad credit score in the first place. Also, be aware of your budget though careful spending and accounting which takes both current and future payments into perspective.
By taking the time to assess your situation and assert your desire to spend and borrow responsibly, getting a ,000 personal loan with bad credit is a possibility for you. It is all reliant on how you frame the argument.
The Importance of Purpose
When it comes to lending money, professional lenders are concerned with a number of factors surrounding that money. Though credit is among these factors, it does not exist alone. In addition, the lender wants to know what the borrower intends to do with the money he takes. In the case of a secured loan, like a car loan, the ,000 is obviously going towards the purchase of a vehicle which is most likely needed. However, personal loans are not so closely tied to their purchases and many times lenders fear that those with bad credit intend to use the loan for the wrong reasons.
Basically, a lender wants assurances that the ,000 personal loan they offer to a person with bad credit will be used for a responsible reason. Loans that are taken out to consolidate debt or to pay medical bills qualify as solid loans. However, looking for a ,000 personal loan to finance a vacation is not such a good idea. Especially with bad credit, personal loans need to be used only as a last resort and the reasons for taking it should exhibit your responsibility as a borrower, not the reasons for your bad credit in the first place.
How to Include Purpose in a Loan Application
At first, trying to convince a lender to give you a ,000 personal loan with bad credit based on your application alone may seem impossible. After all, most online applications are pretty straightforward. This is where planning and anticipation come into play. If you fill out an online form and leave it to chance all you are likely to get is rejection. Instead, consider ways to integrate your purpose into your application consideration through a follow-up email or, even better, a phone call. By making your needs known to the lender you become a human that is more likely to receive sympathy rather than just another borrower with bad credit looking for a personal loan.
Using Your Loan
A final factor to consider when looking for a ,000 personal loan is the long term implications of taking on more debt. It is important to understand that, even if you get this loan with bad credit, you will still have to deal with the realities of your financial situation. Personal loans are really only temporary bandages, not long term solutions. Consider talking to a debt specialist about your previous issues that led to your bad credit score in the first place. Also, be aware of your budget though careful spending and accounting which takes both current and future payments into perspective.
By taking the time to assess your situation and assert your desire to spend and borrow responsibly, getting a ,000 personal loan with bad credit is a possibility for you. It is all reliant on how you frame the argument.
Saturday, March 2, 2013
Forex Charts - Using The ADX Indicator For Bigger Profits
If you're using charts, then you want to trade the strong trends - and the Average Directional Movement Index Indicator, or ADX, enables you to do this.
Wells Wilder developed the ADX, and outlined it in his classic book New Concepts in Technical Trading Systems.
Let's look at this essential indicator in more detail - and see how to apply it on your forex charts, to give you greater accuracy when generating your trading signals.
Determining the Strength of the Trend
The ADX is a momentum indicator, which aims to measure the strength of the trend - and attempts to determine if the market is trending, or is trading sideways.
The Advantages of the ADX
A core belief of technical analysis is that a strong trend in motion is more likely to continue, than reverse. Therefore, you always want to be trading strong trends - as your odds of success are higher. The Average Directional Movement is a good indictor and you should consider using it as part of your currency trading system.
The Technical Bit
For the boffin's out there, here's the technical bit don't worry if you don't understand the calculation, its easy to use when visually plotted. The ADX is based on the comparison of two other directional indicators, both of which were also developed by Wilder, and they are:
Positive Directional Indicator (+DI) and the Negative Directional Indicator (-DI) to produce ADX as showed in the following formula:
ADX = SUM[(+DI-(-DI))/(+DI+(-DI)), N]/N
Where:
N: Refers to the period of calculation. The formula above produces the ADX line, which oscillates between 0 to 100 values. The +DI and -DI are both present and can be seen to make up the indicator.
You don't need to understand the above calculation to use the indicator you only need to accept that the indicator works.
The indicator is easy to use when it's visually plotted - and you'll find it included, with most of the good forex chart services.
How to Trade using the ADX Indicator
The ADX it's not a bullish, bearish trading signal generator - and should never be used as such.
The ADX indicator simply indicates the strength of the trend - and other indicators should be used to enter, and exit trades.
Although the ADX fluctuates from 0 to 100, it rarely moves above 60.
Use the ADX in the following way:
Readings above 40 indicate the strength of the trend.
Readings below 20 indicate range trading and flat periods of consolidation.
You can use the crossing of +DI and -DI to determine the trend direction; when +DI crosses -DI upward, it's a bullish signal, on the other hand, when +DI crosses -DI downward it's a bearish signal.
The ADX line is a great momentum indicator and like the RSI (also developed by Wells Wilder), the ADX it will help you trade the strongest trends - and give you advance warning of changes in momentum.
The Bottom Line
If you want currency trading success, you can't just trade support and resistance levels, and hope they hold or break. You need confirmation of momentum to get the odds on your side - and the ADX indicator will assist you.
Final Words
New Concepts in Technical Trading Systems was published in 1978, and was one of the first trading books I ever bought. Every trader should make this book a part of his or her forex education. If you want to learn forex trading the right way, get the book, and use the ADX indicator to increase your chances of making big FX Profits.
Wells Wilder developed the ADX, and outlined it in his classic book New Concepts in Technical Trading Systems.
Let's look at this essential indicator in more detail - and see how to apply it on your forex charts, to give you greater accuracy when generating your trading signals.
Determining the Strength of the Trend
The ADX is a momentum indicator, which aims to measure the strength of the trend - and attempts to determine if the market is trending, or is trading sideways.
The Advantages of the ADX
A core belief of technical analysis is that a strong trend in motion is more likely to continue, than reverse. Therefore, you always want to be trading strong trends - as your odds of success are higher. The Average Directional Movement is a good indictor and you should consider using it as part of your currency trading system.
The Technical Bit
For the boffin's out there, here's the technical bit don't worry if you don't understand the calculation, its easy to use when visually plotted. The ADX is based on the comparison of two other directional indicators, both of which were also developed by Wilder, and they are:
Positive Directional Indicator (+DI) and the Negative Directional Indicator (-DI) to produce ADX as showed in the following formula:
ADX = SUM[(+DI-(-DI))/(+DI+(-DI)), N]/N
Where:
N: Refers to the period of calculation. The formula above produces the ADX line, which oscillates between 0 to 100 values. The +DI and -DI are both present and can be seen to make up the indicator.
You don't need to understand the above calculation to use the indicator you only need to accept that the indicator works.
The indicator is easy to use when it's visually plotted - and you'll find it included, with most of the good forex chart services.
How to Trade using the ADX Indicator
The ADX it's not a bullish, bearish trading signal generator - and should never be used as such.
The ADX indicator simply indicates the strength of the trend - and other indicators should be used to enter, and exit trades.
Although the ADX fluctuates from 0 to 100, it rarely moves above 60.
Use the ADX in the following way:
Readings above 40 indicate the strength of the trend.
Readings below 20 indicate range trading and flat periods of consolidation.
You can use the crossing of +DI and -DI to determine the trend direction; when +DI crosses -DI upward, it's a bullish signal, on the other hand, when +DI crosses -DI downward it's a bearish signal.
The ADX line is a great momentum indicator and like the RSI (also developed by Wells Wilder), the ADX it will help you trade the strongest trends - and give you advance warning of changes in momentum.
The Bottom Line
If you want currency trading success, you can't just trade support and resistance levels, and hope they hold or break. You need confirmation of momentum to get the odds on your side - and the ADX indicator will assist you.
Final Words
New Concepts in Technical Trading Systems was published in 1978, and was one of the first trading books I ever bought. Every trader should make this book a part of his or her forex education. If you want to learn forex trading the right way, get the book, and use the ADX indicator to increase your chances of making big FX Profits.
The Pooling Group: An Unconventional Source Of Capital
We now would like to introduce a very unusual approach often used to raise short-term capital in the Caribbean. This is a method mostly used to save money for special events, such as the purchase of a car. It has become so popular in the US now, that banks use it as an acceptable way to finance the down payment for the purchase of a home. We believe that in certain circumstances, it might be a great capital formation strategy for a small business buyer. The following are the most important characteristics of this technique:
- It is initiated by a Group of five (5) or more people
- Each member of the Group is employed or is a business owner
- The Group is supervised by a manager (usually the organizing member)
- There is a solid commitment by all members to carry out the entire "round" (to be discussed shortly)
- Group members are required to contribute an affordable monthly (or whatever contribution frequency they agree upon) amount, usually 0 or more
To carry out the task of helping its members raise needed capital, a Group can be defined by the following:
- Number of members
- Group head: the person in charge of collecting contributions and disbursements to members. This person is also responsible for keeping track of the logistics of the Group. That is, s/he keeps track of members that have received their round, those that are missing contributions, etc.
- Contribution amount
- Frequency of contribution (usually monthly)
Such a Group is basically a twisted version of an investment club. Members, usually friends and/or family, unless there is an independent Group Manager, agree to pool money by contributing monthly to the fund. Each month, one member gets the entire amount contributed by all members in a round robin fashion. The cycle continues until everyone has received a pay-out, also called a "take" or hand. Note that this is simply a way to get a lump sum at a specific time based on your position in the queue. For a business buyer, the best position in the queue is probably the first one, because the first person in the queue receives the first "take". This would then allow for his/her future contributions to be drawn from the operations of the acquired business.
Please note that this is not a savings account. In the end, contributions and pay-outs cancel each other, such that members do not gain or loose any money at the end of a round. (See table below). In addition, money contributed by the Group's members is never deposited in a bank account, hence earns no interest. To illustrate, let us create a fictitious Group of three members (Member 1, Member 2, and Member 3). Let's assume that each member contributes 0 weekly. There are as many cycles (or rounds) as there are members, in this case three cycles (Week 1, Week 2, Week 3). The total amount of each member's take when his/her turn arrives is 0, which is also equal to the total amount of money contributed.
Week 1
Member/Contribution/Payout
Member 1/0/0
Member 2/0/
Member 3/0/
Week 2
Member/Contribution/Payout
Member 1/0/
Member 2/0/0
Member 3/0/
Week 3
Member/Contribution/Payout
Member 1/0/
Member 2/0/
Member 3/0/0
So, if a buyer can manage to create one of these Pooling Groups around the time that the closing is scheduled to take place, s/he can use this very simple technique to raise the necessary funds to close on an acquisition.
- It is initiated by a Group of five (5) or more people
- Each member of the Group is employed or is a business owner
- The Group is supervised by a manager (usually the organizing member)
- There is a solid commitment by all members to carry out the entire "round" (to be discussed shortly)
- Group members are required to contribute an affordable monthly (or whatever contribution frequency they agree upon) amount, usually 0 or more
To carry out the task of helping its members raise needed capital, a Group can be defined by the following:
- Number of members
- Group head: the person in charge of collecting contributions and disbursements to members. This person is also responsible for keeping track of the logistics of the Group. That is, s/he keeps track of members that have received their round, those that are missing contributions, etc.
- Contribution amount
- Frequency of contribution (usually monthly)
Such a Group is basically a twisted version of an investment club. Members, usually friends and/or family, unless there is an independent Group Manager, agree to pool money by contributing monthly to the fund. Each month, one member gets the entire amount contributed by all members in a round robin fashion. The cycle continues until everyone has received a pay-out, also called a "take" or hand. Note that this is simply a way to get a lump sum at a specific time based on your position in the queue. For a business buyer, the best position in the queue is probably the first one, because the first person in the queue receives the first "take". This would then allow for his/her future contributions to be drawn from the operations of the acquired business.
Please note that this is not a savings account. In the end, contributions and pay-outs cancel each other, such that members do not gain or loose any money at the end of a round. (See table below). In addition, money contributed by the Group's members is never deposited in a bank account, hence earns no interest. To illustrate, let us create a fictitious Group of three members (Member 1, Member 2, and Member 3). Let's assume that each member contributes 0 weekly. There are as many cycles (or rounds) as there are members, in this case three cycles (Week 1, Week 2, Week 3). The total amount of each member's take when his/her turn arrives is 0, which is also equal to the total amount of money contributed.
Week 1
Member/Contribution/Payout
Member 1/0/0
Member 2/0/
Member 3/0/
Week 2
Member/Contribution/Payout
Member 1/0/
Member 2/0/0
Member 3/0/
Week 3
Member/Contribution/Payout
Member 1/0/
Member 2/0/
Member 3/0/0
So, if a buyer can manage to create one of these Pooling Groups around the time that the closing is scheduled to take place, s/he can use this very simple technique to raise the necessary funds to close on an acquisition.
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