Business Documenting – The must for all companies

Surprisingly many businesses fail to create such an essential item; the reality is that these types of businesses and entrepreneurs who don't create a documented system usually spend lots of time training and supervising employees. Often they forget that the reason an employee or

other person was brought into the business was to help it grow yet spending time on re-training or needing to quality check work constantly is not growing the business and it is a huge waste of time.

The standardized procedures do not need to be extravagant, often times the simpler the better. Get a piece of paper or type up each step involved in performing a specific task or process. Employees, contractors, temps and so on should also be involved in this process. Take the completed

documents, print them up in binders or other media and hand them out to all the people in the organization.

Once the business has been thoroughly documented and the work standards created make sure that they are regularly followed, no exceptions. If there are any problems with a document simply get feedback from the employees, then go back and revise the standards.

Once an area or process has been formally documented begin continuous improvement efforts, go out and look for simple commonsense ways to improve each and every process to become more efficient. Greater efficiency ultimately leads to the business becoming more profitable.

Car Reviews

The decision to buy a new or even used car can be quite overwhelming. There are so many things to take into consideration that one can become quite easily confused and not know where to start. The best place to start is to decide which type of car you are most interested in. This can be determined by taking into consideration what you will be using the car for, what you are willing to pay for a car, and what features you want in or on the car. Even just these factors can be overwhelming. That’s why it’s a great idea to look at car reviews before you make any final decision.

Car reviews are a wonderful way to become more familiar with different makes and models of cars. They will offer great insight as to what the car entails and what options are available with a particular make and model. This is very important when deciding how you are going to be using the car most. For instance, you might really like the looks and the space included with a sports utility vehicle. However, if you don’t actually need all that room and you are going to be doing a lot of travelling with the vehicle, a car review may let you know that these vehicles take up a lot of fuel. This will mean that it’s going to be quite expensive to drive the vehicle all over the place and you may want to look at other car reviews to find one that’s going to be easier on the petrol, and your pocket.

Car reviews will also often give a brief history and description of the company. This can help the car buyer become more familiar with not only the cars but the company that manufacturers them. This can often make the buyer feel more secure in deciding to go with a certain make of car. One may find through a car review for instance that although a car looks nice, the company actually specializes in high-end cars and although they may have originally wanted to get a certain type of car, they may decide that the cars that company makes simply does not fit into their budget.

Car reviews can often also include the experiences of other drivers who have driven that particular car. There is sometimes nothing more valuable than word of mouth and hearing about what other people thought of the car, this can offer valuable insight. A potential buyer may find through a third party, that even though a car looks and runs nicely, the seats are not very comfortable at all. For a lot of people, that can make a huge difference when buying a car. These comments can often be about small, personal preferences or be based on pure facts such as fuel consumption. Through a car review, a person may find out that they will only get ninety miles out of a full tank. On the other hand, they may find out that although they thought it was expensive to fill that sports utility vehicle, it actually uses gas quite a bit more slowly than other vehicles on the market.

Car reviews are a great tool for anyone interested in buying a new or used car. They allow the consumer to have more information at their fingertips and being informed is always a great first step in buying a new car!

First to Invent vs. First to Patent

First to Invent vs. First to Patent

Introduction:

In this article I would like to clarify the difference between two very important Patent rules - First to Invent and First to Patent. Understanding these rules is extremely important and every novice inventor should know the difference between them.

First to Invent Rule

First to Invent Rule states that the Unites States Patent Office (USPTO) will grant patent on an invention to an inventor who first invented the product. Please notice the word 'first' - and this is crucial because the original inventor might not be the first who submitted his invention to Patent Office! First To Invent Rule, which is obeyed in Canada and United States, helps in determining who is the rightful owner of an invention and rewards an inventor with proper patent.

First to Patent Rule

First to Patent Rule, on the other hand, grants patent to people who submitted Patent paperwork first! The rule is recognized by most European countries and is not very friendly to an inventor because the first person to publish an invention might not be an original inventor! First to Patent Rule encourages people to 'borrow' ideas from others and rewards them with new and shiny patents.

What can one submit as a proof that he is the original and rightful owner of the patent?  Two excellent choices are Provisional Patent Application and Inventor Journal.

Provisional Patent Application

Provisional Patent Application may be the only source of proof that you are the original inventor and entitled to reaping the benefits of the patent. It is very possible that since the time you have submitted your Provisional Patent Application, someone else filled out paperwork for regular patent. The only thing that might substantiate your claim that you are the rightful owner of the invention is your Provisional Patent Application. One note of caution - Provisional Application is good for one year only and cannot be renewed. In fact, these applications were meant to be temporary solution until the inventor submits regular Patent Application Paperwork.

Inventor Journal

Inventor Notes or Journal is another popular method of keeping records regarding the time-line of your invention. In your journal you should write down every important date related to your invention with detailed explanation of your invention. Be as detailed as possible because the Journal might be the only proof that you are the original owner of an invention. It is a good idea to date every page and include diagrams and graphs that are pertinent to your invention. Ask your friends to read your Journal (your friends may not be as technical as you are, so be patient and explain your invention to them in plain language staying away from technical jargon). Ask your friends to date and sign your Notes - again, your friends are your witnesses and Patent Office will consider them.

Summary

As one can see, United States and Canada abides the First to Invent Rule and protects original owners of invention. Inventor Journal and USPTO Disclosure Documents are two excellent methods of documenting your invention and serve as a stepping stone towards filing Patent Application.

If you are interesting in reading more, please visit <a target="_new" href="http://www.ideajets.com/inventor_resources.asp-IdeaJets website) that is dedicated in bringing quality information to the inventors all over the globe!

Robert P. Stewart

<a target="_new" href="www.ideajets.com-IdeaJets) - (mailto:support@ideajets.com-IdeaJets Support)

E-Government in China Soon to Be a Reality

Without question, the world is a big place. However, with the constant development of information technology, the world seems to get smaller all the time.

One example is the work of China Expert Technology Inc. (OTC BB:CXTI.OB), a company that builds network infrastructure and provides e-government services for community and municipal governments in China and Hong Kong.

Analysts predict that China's e-government systems market will reach $6.6 billion this year.

Recently, China Expert was awarded contracts worth $52.2 million to build e-government infrastructure for three cities in Fujian province: Jinjiang, Nanan and Dehua, with the final project to be completed by 2006. In fact, China Expert is the only company that has been awarded such exclusive contracts in China.

These contracts allow the company to create unified e-platforms for each of the three cities.

There are some important implications in the creation of these e-government platforms. First, they enable the government to reduce red tape and become more efficient. Currently, most of the government business in China is done face-to-face or via written communication. This makes it difficult for the average person to get information in a timely manner.

A unified e-platform will allow the public to access, on one site, information for any issues or questions about local government. Users will be able to find information on topics ranging from social security and taxes to water and agriculture. Furthermore, the e-platforms will contain databases that will allow the government to administer data regarding population, geography and economics.

These sites will also lead to more Internet use by the residents of Jinjiang, Nanan and Dehua. A recent study found that currently, only 5.2 percent of government Web sites in China are frequently used. By the end of 2005, an estimated 150 million people in China - 11 percent of the population - will use the Internet. Therefore, both the government and people of China will benefit from these centralized sites.

Finally, because the e-platforms will enable the governments of these three cities to easily exchange information, they give China Expert the potential to do new e-government projects in other cities in the Fujian province.

If such platforms can be built for 150 million users in China, could the same thing be done for cities in the United States? Imagine going to one site for all your information about everything from taxes to environmental concerns. Also, governments around the world could benefit from such technology because it allows more efficient communication from one government to another, which in turn could lead to more profitable trade and other benefits.

Finding the Right Online Source for Christmas Cards and Holiday Cards

As the mornings turn crisp and the days get shorter, it's time to begin thinking about the upcoming holiday season. While you may not be ready to start your gift shopping, it's not too early to consider how you are going to express holiday greetings to friends and family, business associates, and customers and clients.

Why Buy Greeting Cards Online?

Christmas cards and holiday cards serve purposes ranging from giving you the opportunity to update family members and friends about life events to marketing your business to customers and potential customers. But whether you send personal greeting cards, business holiday cards, or both, buying them online has several distinct advantages.

The first such advantage is selection. Whether you're looking for business Christmas cards, Thanksgiving cards, or other holiday cards, you'll find many more choices online than you will at a local card store. The second advantage is the ability to save money. Because online greeting card stores don't have the overhead expenses of brick-and-mortar stores, they're able to pass along the savings to their customers. Third, online stores typically offer personalization, both in the form of printing your family's name or the name of your business on the cards, and in printing your return address on the envelope. Fourth, you can usually get steep discounts if you order your Christmas cards early (by mid-October), before the holiday season is in full swing.

What to Look For When Buying Greeting Cards Online

While there are many online businesses that sell holiday cards, you need to choose the right one. You don't want to take the risk that your business Christmas cards will arrive at the end of December, or that the personalization is incorrect. Here are some services to look for when selecting an online source for holiday cards:

1. Longevity and Satisfied Customers. Look for a company that has been in business for at least three years and that can point to a loyal following of individuals and businesses that are happy with their products and services.

2. Quality and Pricing. If you're ordering in quantity, the company should offer bulk discounts. They should also offer an "early bird" discount if you place your order early. The company should be willing to send you sample cards so you can verify the quality of the card. They should also offer high-quality, coordinating envelopes, such as foil-lined envelopes.

3. Personalization. Look for a company that offers several forms of personalization. You should, for example, be able to select from among several different verses for the inside of your cards. They should also include up to four lines of imprinted text on your holiday cards at no extra cost, and allow you to choose from among at least four colors of ink.

4. Customer Service. The company you choose should make it easy for you to order. This means giving you the ability to order online, as well as the option of printing out an order form. They should also have live customer service representatives who can help you place your order and answer any questions you may have.

It's never too early to start thinking about Christmas cards and holiday greeting cards. Once you find the right online source for your needs, you'll never look back!

Ultimate Wealth Package

THIS IS ALL YOU NEED TO DO:

Activate Your Website

Login and access your website training material

Market your site using the material provided

That's it! Watch your site go to work for you and start collecting your commission checks

You will NEVER...

...need to learn any technical computer stuff.

...need to create your own products or carry any inventory!

...need to talk to any customers on the phone!

...need to talk to any customers by email!

...need to deal with customers or follow up on leads!

You WILL be able to set your own hours! Work when you want!

JUST ACTIVATE YOUR WEBSITE AND WATCH THE MONEY COME IN

Once you activate your site the only thing you will need to do is get traffic to it. Don’t worry you won’t have to go around telling your friends to check out your website or putting flyers on peoples cars or anything crazy like that. I will teach you exactly how to set up your own advertising campaign online. With my help you can have your advertising campaign set up in as little as 10 minutes and you can start earning profits in the next 30.

You will never need to take any calls answer any emails or deal with any customers this is all done for you. Once your website and advertising campaign is setup it’s completely automated. The only thing you will need to do is monitor your advertising campaigns which I will show you how to do.

Do People Know Exactly What Event Management and Event Marketing Is

The answer is No….As nowadays any Tom, Dick or Harry has an event management company without knowing the A B C of event management. Event Management is principles and practices associated with planning, managing and staging special events. There are a lot of important components like stage and logistic management, marketing, promotion, event evaluation and event reporting which lead to a successful event.

Now event management and event marketing are two sides of the same coin. Event management can’t go without event marketing, so any company or individual doing event management should think about marketing these events first.

Any event management or marketing company or individual has to ensure success for which they are working. The event management company will work closely with the person for whom they are doing event management for as an extension of his team, providing the focus needed to manage each complex element of the event management process, leaving him free to concentrate on his core responsibilities.

We can categorize events as national events, social events and personal events.

Social events:  consists of award functions, fashion shows, musical shows etc.

Personal events: are marriage functions, birthday parties or any personal celebrations.

National events:  like Republic Day and Independence Day, they are considered to be very important events.

Conducting an event is not an overnight job. These events required proper planning and depth. An expert event manager or organizer has to start the work of organizing event few months earlier. Firstly an expert planner will think of sponsors to conduct the shows. To be very clear, national and personal events do not need marketing, but for social events like award functions, fashion shows etc. proper sponsors, advertisement and of course marketing are required.

Initial step to organize any event is to divide it into different parts.

1 - In first part there will be a team of skilled marketing people, who could find good sponsors for the show. Advertisement is also a basic need for the success of an event.

2 - Secondly, a group of people works on the venue where the show is to be conducted. The venue, day date and time are equally important factors, as such the place where event is to be conducted should be suitable for the public and even the day and time when the event is going to take place.

3 - In the third part the important thing is practice of the show. The other expert group of people works upon the costumes, type of sub events like singing, dancing etc. of the participants. They conduct rehearsal again and again for the success of the show.

4 - Fourth part is the selling of tickets in the public and of course the planning of proper security services. It is very necessary to be able control the whole crowd.

Lastly, when all these important functions get clicked together, a successful grand event is organized. In short, to make any event successful the most important thing is planning, and the other step is to follow up accordingly to the plans i.e. e hard work and keen efforts.

Revealed, the simple steps to quit your job

Everybody would love to make lots of money quickly, working from home, and only doing a few hours of work per week. I've spent the past two years trying to find a great way of doing this. Only over the course of the past few months have I found any "get rich quick" programs worth buying. I've been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn't require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them.

Now, I've seen a lot of "get rich quick" programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it'd be because they had high - traffic websites with a lot of quality content. I'd know, because in one whole month, I never even made half of what they promised I'd make daily with their programs. Maybe you've already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered.

I decided I'd look through the all of the "get rich quick" programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section.

In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn't care less about their customers since they didn't offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work.

I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying!

Making money online has become easy!

I remember some one recalling, “Internet has become a big money making machine”, when you think of statements like these, it might give you certain picture of how internet can be money making machine. Today internet has improved to its capacities in meeting the needs of general public.

Well, http://swapw.blogspot.com is about the success of making money through different avenues provided. Recent investigation on the success of making money was found in ‘blogging’. Blogging has become one of the ways to increase revenue on the internet. There are people who are earning money by giving their time for ‘blogging’ and throughout the day they work hard to reach the potential to reach a good amount of avenue through that.

It is very easy to blog, you have to register with sites as www.blogspot.com and make an account with them to start earning revenue on it. While registering you have to first decide on the types of blogs you want to be there on your blog site. You can choose from the below topics:

1.     Earn money

2.     Marketing

3.     Product reviews

4.     website reviews

5.     Personal blog

6.     Photographic blog

7.     Blog on animals as pets

8.     Blog on writers

9.     Blog on freelancers

10.    Blog on Jobseekers

These are just some of the examples for you to consider when you are considering to start a blog of your own. After having your personal blog, and once you know how to start it, than you can get registered with www.mylot.com , www.payperclick.com, www.payperpost.com these are some of the sites that will help you to earn money while you blog.

The other way is through Google adsense and Google adwords, You can have google advertisements on your blog and earn revenue from it from Google itself, it is very easy, you have to register with Google adsense, and complete the registration process, after that Google adsense has many categories of advertisements and you can choose your categories and get HTML code for the category you have chosen and paste it on your blog, this will enable you to earn tremendous revenue from google adsense, if you do it perfectly.

Google adwords, you have to pay per click, it is a way of introducing your blog to the visitors and for that you have to pay a certain amount starting from 5 cents or 1 cent for per visitor to your site. There are many successful bloggers using Google adwords and they have earned a considerable amount of money in that process, it is one of the easiest ways to earn money as well.

How To Get Appraisals for Sports Memorabilia

When you invest in sports memorabilia, you often don't realize how much the value can climb by the time you choose to sell. Likewise, it could decrease in value as well.

Appraisal is a must for the serious sports collector. People have been sorely disappointed because they didn't get their items appraised for value and then sold them for a fraction of their worth.

Some places to check for appraisals for sports memorabilia include:

1.) All Authentic Sports Memorabilia-professionals who can provide references and offer instant appraisals

2.) Vintage Sports Memorabilia Appraisals-has a sports artifacts library for thousands of vintage sports items, prefers email requests limited to two items, nothing newer than 1980.

3.) Krause Standard Catalog of Sports Memorabilia Price Guide

4.) Robert Connelly-He does clinics on appraisals. He's a member of the American Society of Appraisers and was honored by the Royal Institution of Chartered Surveyors.

5.) American Legends-Provides paid appraisals, founded in 1992.

6.) Sports Memorabilia Appraisal Expert Witness-Provides an 800 #, volunteers background information to help give reference to its value as an appraisal business.

Besides the importance of appraisals for resale value, you may want to seriously consider having your valuable insured. Insurance companies also may not recognize the value unless you've had an appraisal done. Make sure you have documented proof.

There is a Uniform Standards of Professional Appraisal Practice which is recognized in courts and acceptable to banks, insurance companies, auction houses, and the IRS.

Don't just depend on a local sports shop or whatever available appraisal you come across. Also, consider that paying for more than one opinion is worthwhile if a lot of money is involved and if it gives you peace of mind.

Prices will change, so you'll want an updated value before decided to sell. Retired players hold their value better because their status won't change.

Make sure you sell to the right person or business. Just because an item is listed as one amount doesn't mean the dealer will agree to pay that amount.

Sweat stains don't necessarily make a jersey authentic. Anyone can wear a jersey long enough to sweat in it and try to pass it off as the real thing. Watch for smudged autographs, dog-eared pages in books, worn edges on cards. An appraiser should be trained to notice small details that would decrease the value of your collector's item.

There is a system with trading cards called grading. A graded card has a more reasonable guarantee of authenticity. Graded cards are sealed to discourage card switching, a low tactic of some sellers. The appraiser should know to recognize graded cards and their value.

When my daughter was involved in card collecting and bought a box of cards that seemed like a great deal to her, she was soon sorely disappointed. The only authentic card was the one in the display on the front of the box. All the rest were fakes, worthless. It was a waste of her hard-earned and long saved allowance. So beware of this type of scam when you buy a group of items. The appraisal value will be zero!

Tips On Starting And Running A Home Based Business

Millions of people around the world have had the dream of finding the perfect home based business and being able to fire their boss.  One thing that people just don't realize when they decide to take their home based internet marketing business online is that there's a lot more to it than meets the eye.  Most people who have searched for a suitable home based Internet Business opportunity complain about a common illness: They are sick and tired of websites that promote best home based Internet Business opportunities… sick and tired of the false promises, the over-hyped sales pitches, and the downright SCAMS that lurk behind most Internet Business opportunities.

Once you’ve decided what you are going to sell on the internet and how, you venture online to search for profitable home based business opportunities that appeal to you.  If you have finally decided to start your Internet home based business and have done all your home work, the key to making your home office conducive, as a working environment is organization.  Also, start a business that you enjoy, you have to be motivated to wake up in the morning ready to start the day with your home based business, you are your own boss. After you've done your research on how to start your own home based business, you should be ready to be a home based business owner.

An internet home based business can either offer a service that another person may need (like web design or programming) or can offer a service that brings the “have’s” and the “have not’s” together.  After you decide which direction you want to focus your internet home based business the next best step is to start learning how others are making a profit.

Must-Do’s For The Holiday Selling Season – How To Cash In On The Busiest Retail Season Of The Year

The holidays are a great time to be a retailer—60% of all retail sales are made during the holiday season. Millions of new online shoppers make their first internet purchases during this season, and their experience there can either erase their hesitancies about online shopping, or reinforce them. This gives you, as an eBiz owner, an opportunity to create loyal customers and generate repeat business.

That’s why you need to be ready when the holidays roll around—don’t get taken by surprise. Most people think the shopping season starts right after Thanksgiving. But Lisa Suttora of http://WhatDoISell.com says, “Holiday shoppers actually come online right about mid-August, when back-to-school-shopping tapers off, and they stay online until the end of January [when] they’ve spent all the extra holiday money.” The best way for you to cash in on the holiday buying season is to be prepared well in advance.

How to Prepare for the Holiday Season:

1. Get your inventory listed early. You don’t want to spend the holidays playing catch-up, so have your goods ready to go.

• Take stock of your inventory. Get it organized, and determine what needs to be listed.

• Systematize your operation. Don’t try to go through the entire listing process with each individual item. First, photograph all your items. Then upload and edit all your photos. Then write all your listings, and compile all your descriptions. By streamlining your processes this way, you’ll save a great deal of time.

2. Have a shipping game plan. The number one concern of holiday buyers is whether their purchases will make it on time, so timely shipping is crucial.

• Stock up on shipping materials prior to the holiday selling season. You can even order your shipping supplies online at http://USPS.com.

• Prepackage your products, whenever possible. This way you can just print a label off and be ready to go.

• You can, in most cases, arrange to have the post office pick up your packages at no charge, rather than standing in line for hours.

3.Customize according to your buyers’ needs.

• Offer gift wrapping and gift-recipient delivery. Customers value their time, especially around the holidays, and they’ll pay extra for the service and convenience.

• Provide them with multiple shipping options. By offering overnight and express delivery, you can make sales all the way to December 24 that your competitors who only offer priority mail will miss.

• Create unique gift packages. For example, put a Curious George stuffed toy with a Curious George book and movie and wrap them together in Curious George paper. Says Suttora, “What you’re doing is… pre-shopping for your customers.”

Customer Service is King

If your customers have a good holiday experience with you, they’ll most likely come again. Be in constant communication with them—you’re letting them know you’re on top of things. Always let them know their tracking numbers and order status. Respond immediately to their emails—not 24 hours later. When the sale is over, send them a thank you note—you’re reminding them you’re there and giving yourself a chance to promote your new products. Follow up on your sales—by building consumer confidence, you’ll produce repeat business throughout the rest of the year.

How to Run a Vending Business

To start off, there is a lot that you would need to learn about the vending business. It is a business that you need to get into only if you are well prepared. You should be willing to learn and not be afraid to make mistakes. In the long run, all this will serve you well. Planet Antares vending offers a viable opportunity for someone who is willing to work hard. When you start a vending business, you will most likely be running your business from your home. Whether or not you need additional help for your Planet Antares business, will all depend on the number of machines that you have. Since most operators start off their business from home, then it would be wise to engage the help of your family. If and when your business grows, you can then move it out of your home to new premises.

Focus on profitability

The location for your Planet Antares vending machines is very important. Make sure that you match the right machine with the right location. You can acquire a truck that is fitted with wooden racks, freezer or a refrigerated cooler. This will be used for the transportation of the snacks and beverages. Alternatively, you can use your personal vehicle when your vending business is still new. If you give personal service top your customers, you will lose very few accounts or maybe none at all. Get to know the first and last names of 80 percent of the contacts in your accounts. It is also very important that you listen to product requests. By serving locations with products that they want, it will mean more sales for your vending business.

Health awareness

Health products are an issue in some locations. You can have snacks that are 50% healthy or 100% healthy in your locations. It all depends on the need of that particular location. Schools are locations that usually want healthy products in their vending machines. To get to know if a location wants health products, you will need to find out if the location will need such products. People, who are health conscious, don’t mind spending more money for health products, since they know what they are gaining.

Technology

Technology is now being widely used in the vending industry. If your Planet Antares vending business is running successfully, you can even think of installing technology. It requires ample investment, so it means that you should be financially able to invest in technology in order to have it in your vending business. These days, there are all forms of technology that are used in vending to improve efficiency; you just need to find the right one to suit your vending business.

Advantage of Outsourcing your bookkeeping to professional BookKeeper

What is a role of a bookkeeper in your organisation :

BOOKKEEPERS keep complete, up-to-date, and accurate records of accounts and financial arrangements.  Bookkeepers verify and enter information into journals and ledgers or into a computer.  They periodically balance the books and compile reports and financial statements.  Bookkeepers also receive, record, bank and pay out cash.  They balance checkbooks with monthly bank statements.  They may calculate employee wages from plant records or time cards and issue payroll checks. Some of the other work they may do includes posting accounts receivable and payable, prepare and make bank deposits, record payrolls, maintain inventory records, purchase supplies, prepare purchase orders and do expense reports. Bookkeepers may also make schedules, sort documents, and file bills. These type of jobs are found in every industry and may have various job titles, such as accounts payable clerk, accounts receivable clerk or assistant bookkeeper.

Cost of a Bookkeeper :

The pay for these jobs depends upon experience, clerical skills, the level of responsibility and the job location.  Beginning salaries go from minimum wage to $ 15 per hour.  Experienced Bookkeeper can make   $ 20 an hour.  After having worked for three years with the same firm, a Bookkeeper can earn at $ 25 per hour. A Bookkeepers usually work 40 hours a week; sometimes it may be necessary to work overtime. Some employers have fringe benefits such as paid vacations and sick leave, life and health insurance, and bonuses.  Other benefits that the employer may include are participation in a credit union, or retirement and profit sharing plans.

Advantage of outsourcing Bookkeeping work to a professional bookkeeper :

There are several distinct advantages to outsourcing your bookkeeping functions. First and foremost is saving money. You get what you pay for and if you don't pay for quality than you won't have quality service. However, you can save money by outsourcing because you won't be paying for employer payroll tax expense, workman's compensation and general liability insurances, vacation time, sick time, health insurance and other benefits a good full time bookkeeper will expect from his/her employer. Just remember, however, that these costs will be built into the consultant's hourly rate and their fee will reflect these costs. Any bookkeeping consultant who has not taken these costs into consideration is not a bookkeeper you want - if they don't know enough to include these costs into their fees, then they don't know enough to be a help to your business. You should expect to pay at least three times what you would pay an experienced full charge bookkeeper.

And just how do you save money by paying three times the amount you would pay an employee? Well, let's see. There will be no recruiting, interviewing and training costs for start. And if you should find yourself unhappy with the services there will be no additional recruiting, interviewing and training to replace your bookkeeper. Also, you will not have to be concerned about law suits such as sexual harassment, unlawful firing, age discrimination, sexist, etc. Or an increase in your unemployment rates because you laid off an employee that you really wanted to fire but had no lawful cause to do so. So right away we have less time and money spent and potentially less hassle if things don't go well.

And of course you will not be paying workman's compensation and general liability insurance premiums. Also any worthy bookkeeper will expect at least two weeks vacation, coverage for sick time, health and dental insurance and even perhaps more benefits.

Most professional bookkeepers will have their own offices saving you space within your office. So you will not be buying that extra desk, calculator, computer and computer software. Your bookkeeper will be providing all of that as part of his/her fee. No software updates, computer maintenance, training costs, etc. Of course should you prefer to have your computerized bookkeeping records available to you at your office, a small investment in software installed on your computer makes this possible. Also no office supplies to be paid for. You will be amazed at just how much pens, pencils, and paper can be used by a bookkeeper. Your consultant bookkeeper will either ask you to drop off the work at their office, will pick it up at your office or some may even offer remote bookkeeping service. And by having your bookkeeping done off site, your bookkeeper will be able to work more efficiently and accurately because her/his office will most likely offer less distractions than your busy office. All of this is saving you money.

And the best reason for outsourcing is that you control the amount of money spent on bookkeeping. What I mean by this is that the person you hire to do your bookkeeping will be doing just that - not answering the phone, dealing with drop-bys, chatting to other employees, etc. Also you can start with just a few hours a month and add on when you need to and then adjust downward again should it be necessary. Can you imagine finding an employee to start with only four hours a month, then asking them to put in 20 hours a week for awhile and then back down to four hours a month again. I don't think you would keep them for very long, but a free lance bookkeeper is able to work around these variables and even more importantly expects to work with flexible schedules.

So have I convinced you yet? If so, then just remember "you will get what you pay for". Go for top quality because your financial records are the core of your business and without great bookkeeping you cannot expect to succeed no matter what type of business you have. After all don't you think you are worth it ?(http://www.submitsuite.com/products/article-submitter.htm-This article was published using Article Submitter)

Why The Long Wait

Everybody would love to make lots of money quickly, working from home, and only doing a few hours of work per week. I've spent the past two years trying to find a great way of doing this. Only over the course of the past few months have I found any "get rich quick" programs worth buying. I've been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn't require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them.

Now, I've seen a lot of "get rich quick" programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it'd be because they had high - traffic websites with a lot of quality content. I'd know, because in one whole month, I never even made half of what they promised I'd make daily with their programs. Maybe you've already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered.

I decided I'd look through the all of the "get rich quick" programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section.

In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn't care less about their customers since they didn't offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work.

I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying!

Their programs have excellent prices, and the authors have a group of paid staff who are dedicating to helping you or providing assistance if you need any. I must say I was amazed! If you do decide to purchase any of the programs listed below, I recommend you join quickly. Most of the owners tell me they are getting an overwhelming number of sales and plan on raising prices in the near future, so order while prices are still low!

2.     To Your Online Success,

http://swasdm.vinotinto.hop.clickbank.net

Consider Buying a 2nd House in Bulgaria

Property for Foreigners

There are no obstacles for foreigners to get the title for buildings, as well as real rights (right of use, right of construction). Up to now there is only one restriction: it is not allowed by law for foreigners to become owners of the land under the buildings they have bought. They are not allowed to buy agricultural land as well (this is a Constitutional prohibition). This is true for physical persons. All restrictions become irrelevant if foreigners set up or join a company incorporated under the Bulgarian legislation, which can acquire full land ownership rights including ownership rights on agricultural land. Therefore one of the most common methods for foreigners to buy property in Bulgaria (houses with courtyards, land etc) is to set up a company which then owns the land and the buildings.

It is considered that in Bulgaria a real free market for land will be established some time after Bulgaria becomes part of EU. This historical restriction is one of the reasons why property in Bulgaria is so investors in Bulgaria

There are several guarantees competitively priced compared to Western and Central Europe.

Legal treatment of foreign for foreign investment in Bulgaria:

- National treatment

- Most favoured nation status

- Priority of International Treaties

- Legal Guarantees against Adverse Changes in the Law – the provisions of the Law that have been effective at the moment of making the investment, should be applied for any foreign investment executed before the changes of the legislation setting up legal normative restrictions for the foreign investment.

- Protection against Expropriation – real estate property owned by a foreign person can be expropriated only on lawful grounds.

Preferred Types of Business Organizations

The obstacle for foreigners not able to own land in Bulgaria (a law that is liable to change soon) can be overcome by incorporating a company in Bulgaria and owning the land as an asset.

The most common form of organization is a Limited Liability Company. Other types are General Partnership, Limited Partnership, Joint Stock Company, Sole Proprietorship, Joint Venture, Holding, Cooperatives, Branches and Representative Office.

BIO-FUEL CROPS PRODUCING BIO-DIESEL

The company now boasts 22 employees,

including scientists, farmers, international

businessmen, industrial workers and of course

family.

GreenEnergy`s corporate mission aims

to bring large tracts of rural land under

scientific but basic cultivation of bio-fuel

feedstocks, bringing with it employment and

entrepreneurial opportunities to potentially

thousands of Vietnamese rural poor, while

providing inputs for GreenEnergy`s core

business, the refining and marketing of bio-

diesel.

It is a win, win situation for everyone because

not only does cultivation of this vegetable oil

require only marginally arable, war damaged

or barren land, this also means its activities

do not compete with other food production

which avoids putting upward pressure on

food prices.

N.B (Vietnamese Government has identified

seven million hectares as marginal, barren or

war damaged land).

In addition GreenEnergy`s operations achieve

a renewable and sustainable fuel source for

Vietnam to continue its development with all the

attendant social, economic and environmental

benefits in producing clean energy.

Because of the scale and potential of the bio-

diesel industry in Vietnam and indeed globally,

where tens of millions of bio-fuel crops will

have to be grown to substantially replace fossil

fuels, a ‘second green revolution’ is possible,

bringing with it true improvement in the lives

of the rural poor and vegetable oils can play a

significant role in helping to ameliorate global

warming as a key aspect of climate change.

Global warming, a key aspect of climate

change, now clearly recognized as a result of

a concentration of greenhouse gases (GHGs)

in the atmosphere - has the worst impact on

the climate.

Carbon dioxide, the most common of GHGs, is

emitted during the burning of fossil fuels.

The Kyoto Protocol gazetted in February 2005

requires participating countries to cut carbon

emissions.

Further to this, rising crude oil prices and the

need to reduce dependence on imported oil has

made it necessary for net oil importers to think

of alternative energy sources. The precarious

situation with fossil fuel supplies coupled

with the ability of bio-fuels to lessen that risk,

makes it feasible for the global economy to

revert its focus towards agriculture and those

traditionally engaged in it, thus offering a

potential boon to Vietnam’s rural sector.

Full bio-diesel use would reduce net CO2 by

over 78% compared to petroleum diesel and up

to 16% with the use of blends comprising 20%

bio-diesel.

While both fuels are almost equally efficient

at converting raw energy resources into

fuels, bio-diesel has a larger part that is

renewable .Similarly, bio-diesel is non-toxic

and environmentally friendly as it produces

substantially less CO2, ensuring sustainable

environmental practices.

GreenEnergy has recognized this mammoth

task and has adopted a dual strategy for

attaining its goals in Vietnam.

1.Public – Aggressive initiatives to “jump-

start” the production side of bio-fuel feedstocks

by forming a partnership with Vietnams Central

Government and People’s Committees as well

as aid agencies to help put large tracts of

marginal land under bio-fuel crop cultivation

quickly.

A memorandum of understanding and support

was signed by the Peoples Committee of Binh

Dinh Province and Green Energy Vietnam on

the 8th of December 2006 and the 500 hectare

Binh Dinh Research and Training Facility

for the Cultivation of Biofuel Feedstocks has

been established, known as BDF - FARMER

ENERGY - a working laboratory devoted to

developing the bio-fuel industry for the benefit

of Vietnamese rural poor.

2.Private – Includes GEV investments to retain

its ‘First Mover’ advantage by securing its

proprietary feedstocks, expanding its physical

plant refinery presence and continuing to build

its integrated supply-chain, complete with

forward contracted suppliers and customers.

It is in this first arena, Public Initiatives,

that GreenEnergy sees co-operation with aid

agencies.

Some of the substantial and sustainable

benefits that the cultivation of bio-fuels crops

can contribute to Vietnam are:

1. Real cash growth, raising the annual income

of $820 to $1,300 U.S. for thousands of

marginalized rural families.

2. Private homesteading for the rural poor.

3. Stress relief and barren or war damaged land

reclamation.

4. Enfranchisement of poor, rural women.

5. Retention of scarce foreign currency

reserves and

6. Independence from the uncertainties of

global mineral oil markets.

The People`s Committee of the Province of

Binh Dinh and GreenEnergy, Vietnam, in

full realization of the enormous impact this

Research and Training Facility will have for

all of Vietnam`s rural communities, cordially

invites any and all organizations seeking

positive change in the livelihood of rural

Vietnamese to form an active Partnership in

the development of this Research and Training

Facility.

The Binh Dinh Facility wants to be a catalyst in

harnessing this opportunity for all stakeholders

and delivering:

. A path for the rural poor to climb out of their

deprivation rather than fall further behind.

. A renewable, sustainable and viable alternative

to fossil fuel for Vietnam’s surging economy.

and an industry that rejuvenates, rather than

degrades the environment.

Introduction to the oil plant Jatropha.

The oil plant Jatrophas curcas (L) (Jatropha)

or physic nut, is multipurpose and drought

resistant, growing to a height range of 2 to 7

metres for the Asian species and it not only

flourishes in tropical and sub-tropical climate

zones but even in areas absent of water.

Because its leaves and stems are toxic to

animals it is often used as a protective hedge

around farm houses, gardens and fields.

It also reduces soil damage caused by erosion

from wind and water and traditionally the

seeds were harvested by women for medical

treatments and local soap production.

In Thailand, Jatropha normally flowers twice

a year, in dry and rainy seasons with seed

harvesting conducted approximately 60-90

days after flowering and the oil plant has a

productive life of 20 years.

Because the market is probably not yet mature

enough for the plant to generate enough

income solely from oil extraction, a holistic

rural development approach has to be taken

into account in order to exploit all potential

uses of the Jatropha plant. This approach is

known as the Jatropha System.

The system focuses not only on the use of

the source as a fuel, but rather as an element,

to activate a system combining ecologic,

economic and income generating activities.

Consequently, the Jatropha System offers four

main aspects of development aiming to better

the livelihoods in rural areas, especially for

women and farmers:

. Renewable energy - bio-diesel

. Erosion control and soil improvement

. Promotion of women and

. Income generation.

About one-third of seeds can be extracted as

oil that has a similar energy value to diesel

fuel. The oil is extracted by hydraulic pressure

and then filtered through an intensive sleeve

that can then be readily used without any

complicated refinery process, directly available

for small diesel engines as a substitution for

diesel oil, without engine modification.

This oil can power engines, such as water

pumps, tractors, hand mowers, other farm

machinery and rice milling machines and

by using this domestically produced oil as a

substitution for imported oil, significant cash

savings can be made.

GreenEnergy Ltd have already committed

a considerable amount of time, money and

resources to this environmentally sound an

economically sustainable project in Vietnam

and welcome further input from other interested

parties.

It is also their belief that at an international level,

stakeholders involved should perform a three

pronged approach, with mutual knowledge,

technology transfer, genetic development of

high oil content in the seeds and exchange of

Jatropha species, together with investment

and trade linkage.

Improve Your Company’s Cash Flow

One of the challenges of running a (http://www.microsoft.com/india/smallbusiness/-small business) is dealing with the feast-or-famine nature. That's not just about the flow of business, but also the flow of cash. Sometimes things get tight; here's how you can improve your business's cash flow

Bill Promptly

Ever find yourself so busy building your business that you don't get around to billing regularly? You're not alone. This is a common – but potentially crippling – problem.

If you don't already have a system in place, start billing for projects on a regular basis. When taking on longer-term projects or clients, negotiate in advance for regular payments instead of allowing the amount to build up.

Create Incentives for Faster Payment

(http://www.microsoft.com/india/smallbusiness/-Small businesses) can sometimes cut the time spent waiting for payment by offering a discount for quick payment. I've received bills from(http://www.microsoft.com/india/smallbusiness/- businesses) offering discounts of 1% or 2% for payment within 10 days. If I was going to pay the bill within 30 days anyway, I'm likely to pay up right away to get that extra discount. Good for my bottom line; good for the business's cash flow.

Avoid Slow Pay and No Pay Customers From the Start

The best way to avoid cash-flow problems because of people not paying is to weed them out before they start owing you money. So if someone is about to become a significant customer, do your homework. Check out credit references. Call other businesses that have had a relationship with the client.

Use Barter Instead of Cash

You could reduce the strain on your immediate cash if you need something from someone and can offer goods or services of your own in return.

Trim Your Inventory

OK, so you can't go to a "just-in-time" inventory management system like many larger manufacturers. How about "just-in-less-time"? Money spent on inventory is money tha's not producing any interest or savings for you.

Sometimes reducing inventory can be pretty simple. I've seen restaurateurs cut back on the size of their wine cellars, focusing on quality wines from a few regions instead of trying to be all things to all diners. If the customer still has good choices, it might not matter that he has fewer than before.

Consider Consolidating Your Loans

It's often tough for small businesses to borrow money. But I'm surprised at the number of ways entrepreneurs do manage to borrow. One (http://www.microsoft.com/india/smallbusiness/product_overview.mspx-small business) owner I know has only one employee, but has four different loans related to his business: an equipment loan, a car loan, a business line of credit and a business credit card.

If you also have several loans, review the rates and terms on each one. You may be able to consolidate two or more loans into a lower-interest account and improve cash flow. I'm generally not a fan of stretching out repayments, but if you're thinking of talking to a lender about consolidating existing loans into a new one, you might look at taking on a longer-term loan in exchange for lower payments.

Create Long-Lasting Wealth with Simple Home Business Solutions

Starting your own home business might seem overwhelming at first. There's so much to consider - finances, goals, and the type of business you should start. As a new home business owner, you can easily get frustrated with all the options that are available. Don't complicate matters. There are many simple home business solutions available that can help you create long-lasting wealth without adding stress to your life. Here are some great ideas to get you started.

"Don't Reinvent the Wheel"

You've probably heard the old saying, "Don't reinvent the wheel." Most frustration in business comes from trying to create something new - a new product, new service, or even a new way of doing things. The good news is you don't have to create anything new. With an online business, it's very easy to sign up with others and sell their products for a commission. Most companies are glad to pay you to promote their products. It saves them time and money.

There are millions of products and services online that are just "itching" for more promotion. You can easily find products that interest you and make money online while doing what you love. These products have already been through their testing period so you get to enjoy the benefits as you work from home.

Earn a Residual Income

With some companies, you can earn a residual income (month after month) when signing on new clients. Those in the business of Web education, Internet marketing, Web design services, medical billing and claims, insurance, travel booking, legal services, accounting, and financial investments will often pay you for monthly clients.

You'll earn money each month that the client remains faithful in payments. In other words, you could earn up to 20 percent or more of a client's payment every month! Multiply that number by a hundred and you will have a very lucrative residual income.

Choose High-Commission Products and Services

Don't waste your valuable time promoting products and services that pay very little in commissions. Seek out home business solutions where you can earn a generous commission amount for each sale.

When promoting products for someone else, the visitor/conversion ratio will likely be much lower than it would be when selling your own products. So, you'll have to work a little harder to get more visitors to your website. When you do sell a product, it will be much more rewarding if you make $100 or more instead of $10 or more!

Simplify Your Business Promotions

Another area of frustration for a home business owner is promotion. There are many ways to promote an online business, but usually only a few actually work for the long term. The first thing to do is create a website of your own that you can tweak and add content to on a daily basis. From your website, offer tips and plenty of fresh content about the products and services you offer. Find your target audience and write to them. Give them the information they're seeking before you try to sell them a product.

With some home business solutions, you can receive your own website free. But, be sure it will be your own website, and that you can add to it whenever you want. Being unique with your website is very important for receiving search engine exposure.

Also, beware of scams. Check out online companies before investing any money. Use dependable home business solution directories that will investigate home businesses for you. This will save you time and money. And remember, whatever you do, keep it simple!

Abercrombie and Fitch Cologne Review

Abercrombie and Fitch Cologne is popular and well-like cologne.  They offer many different types of cologne for you to select from.  It can sometimes be difficult to make a decision on which one you want to purchase.  Reading an Abercrombie and Fitch Cologne review will help you select which particular one you want to buy.

Abercrombie and Fitch Cologne have a huge line of different colognes and perfumes.  They have specific ones that are marketed for men and other lines that are targeted for women.  It would take you a week or more to test sample all the different choices, if not longer.  Being able to read an Abercrombie and Fitch Cologne review will save you a great deal of time and make the choice much easier when buying one of their colognes.

Abercrombie and Fitch Cologne have variation in prices.  Some of the colognes are relatively inexpensive.  You will find that other products in the lines can be extremely expensive and at the top end of pricing.  Using a review will help you decide which products to look at that are within your budget so that you can select a product that you both like and fit your wallet. Knowing which colognes are in your budget narrows down your search and saves you time when making a purchase.

Another reason to look at product reviews is to get a general feel of what others think about a particular item.  For example, do people like the design of the cologne?  Does the scent last a long while or a short period of time?  Is the bottle easy to dispense the cologne?  These are types of questions that reading a review will help to answer for you and make shopping much more enjoyable.

Where are some good places to find an Abercrombie and Fitch Cologne review?  One place is magazines.  Many health and beauty magazines offer cologne and perfume product reviews.  Some of them even have sample strips that you can open and actually get to smell the scent that they are reviewing for the product line.

Another great place to find product reviews are eZines.  eZines are online magazines and often sent to people in the email.  You can subscribe to product review eZines and even cologne or perfume eZines.  Many times you can request from the editor of the eZine to do a specific type of review for you.  If you want to purchase this product line, you can ask them specifically to do an Abercrombie and Fitch Cologne review for you and the other readers.  Most editors are always looking for topic ideas and more than willing to help you out.

Reading an Abercrombie and Fitch Cologne review will help you decide which cologne is the best for your individual tastes.  It will save you time in making your selections and make shopping for products on the Internet or even a local store much more enjoyable.  You will also know what others think about the various colognes in their different lines to decide which ones to avoid and which ones to look further at.  You can even use an Abercrombie and Fitch Cologne review to help you select one of their colognes to give as a gift to someone special in your life.

Silk Flowers for Every Occasion

Whether you are planning a special occasion for your true love or you just have a hobby of collecting silk flowers, then you have taste, and for that you must be applauded. Silk flowers make the most beautiful flower arrangements and you need not worry about the flowers dying on you. They can add character to any dull room, and with the variety of different colors they can brighten up a table. The fabric last and the only cleaning you will probably have to do it wiping the dust off the leaves.

These flowers make beautiful bouquets, and with your creativity you can send a bouquet to a special person in your life…or even to say thank you to someone that has just highlighted your day with just a simple smile or a few words of inspiration. This is also a great way if you want to keep your home full of flowers. Think about it, you won’t have to water flowers again, or if you have always had the habit of forgetting to water flowers – worrying about the poor things dying of thirst.

Don’t think that because they are artificial that they are going to look artificial. Like fresh flowers that need to be replaced after a few days or a few weeks, silk flowers keep their beauty and color time and time again, and the nice thing is that the artificial flowers can be made to look like fresh flowers.

You will probably get questions like, “Where did you get these beautiful flowers?” and “They have been here so long. What are you feeding them that keep their color and freshness?” Obviously it will be up to you to give the secret away, or you could just leave them in suspense about how beauty finds its way into your home and stays there for as long as you want them there.

If you see a certain silk flower that you just love, take notice of it so that you can look for it when you're planning a special event. There's many places online that also offer a good selection of silk flowers, so check online too.

Zig Ziglar Sales Training Business Opportunity

Zig Ziglar has opened his sales training into Australia. To grow the busienss and share the success of the Zig Ziglar business, Ziglar Australia are looking for people and companies that would like to resell the Ziglar sales training services.

To further drive the success of the Ziglar franchise in Australia, Ziglar is looking for resellers across Australia to market the sales training classes in Brisbane, Melbourne, Sydney and Perth.

As a reseller you have access to marketing materials and content, access to the sales training and Zig Ziglar products. Expected income is $1000 to $10,000 per month, with no reseller fees.

For further information on our sales training in Australia visit www.ziglar.com.au or for specific details see

Secrets of Closing the Sale http://www.ziglar.com.au/salesclosingtraining.htm and the Ziglar Sales System http://www.ziglar.com.au/salestraining.htm.

Contact Ray Schroder for further information at http://www.ziglar.com.au/Contact.htm

Scam Expose: W. G. Hill

Introduction - There once upon a time before 9/11 was a guy who used a pen name of W.G. Hill. He wrote a series of articles and books explaining how to operate offshore anonymously and not be found, tracked etc. Perhaps up until the late 1990?s these strategies worked. Today they are extremely out of date. W.G. Hill is not a scam his work just became out of date.

Selling his works today without a disclaimer stating they are seriously out of date is less than ethical. People buy these books as a roadmap through the offshore world and they are anything but that. The offshore world has changed a lot. There are a lot of people who like to read about the offshore world and never do anything about it. For them this book or any other book is fine.

Taking any action based on a book is a bad mistake since the information in books is by definition going to be written at least 18 months previously with 24 to 30 months a more likely time frame. Thus you can be reading out of date material.

Same applies to websites. There are a lot of websites offering offshore solutions that are out of date. For example do a search for Sparbuch. A Sparbuch account was an anonymous Austrian passbook bank account. To operate it you needed the passbook and a pass code. If you used it in Austrian special ATM machines it would allow up to $20,000 a day in transactions all without ever giving any ID. In Dec. 2000 FATF told Austria they were going to be added to the blacklist if they did not drop the Sparbuch accounts. They did so promptly. Now today, in the year 2007 you can still see people selling the Sparbuch accounts on the net. If Austria Banks were allowed to have such accounts many other countries would also. If the ones being sold were real anonymous Sparbuch Accounts, Austria would be violating its agreement with FATF and be on the blacklist. This goes to show you that websites can be greatly out of date (giving them the benefit of the doubt) or the alternative is much worse.

Just in passing W.G. Hill was a big advocate of the Sparbuch account. Selling information, books and reports that has subject matter greatly out of date is less than ethical. Imagine some fellow buys the W.G. Hill reports, books etc learns about Sparbuch accounts and then searches for them on Google, sees sellers and places an order and of course it would be impossible for his order to ever be filled. See how scammers work? Would it surprise me if there were a connection between the sellers of the W.G. Hill literature and the sellers of the Sparbuch accounts? No.

Tips on Conducting a Successful Presentation

Whether you're a student, a full-time employee or the head of a book club, there is one task that is hard to avoid: public speaking.

Having to give a speech or presentation in front of a group is something that's unavoidable in most people's lives. But it doesn't have to be a scary situation. With the right preparation, you can channel your public speaking stress into an effective, memorable presentation.

The following tips will help you further your performance when giving a presentation and keep stress under control.

* Prepare beforehand. Practicing your presentation in front of a mirror, video camera, small audience or with a tape recorder will help you feel more comfortable delivering it.

* Help yourself relax with a supplement. A sublingual spray, such as Stress and Tension, a product from the "Spray" line of all-natural remedies, may help.

Stress and Tension contains ingredients that temporarily relieve symptoms of nervous tension and anxiety, helping you to focus more on your presentation rather than the stress caused by public speaking. This spray meets all Food and Drug Administration guidelines for good manufacturing practices and was developed by doctors. For more information, visit www.thespray.com or call (866) 412-7827.

* Know your surroundings. Arrive at the place of the presentation early so you can familiarize yourself with the room. Getting there early also will give you time to test out any equipment, like a computer or projector, that you will be using.

* Keep it structured. When writing your presentation, focus on no more than three key elements. Discussing too many topics can give listeners an overload of information.

Also, to keep your presentation interesting, make sure it has a beginning, middle and end. Start your speech with an opening comment, question or with humor to grab the audience's attention. Next, give the audience the vital information. Then finish with a strong quote, question or piece of information that will be memorable to your listeners. - NU

Mortgage Crisis Not A Problem For Internet Marketing Companies

The recent slump in the mortgage industry has left some wondering whether or not top mortgage lenders will be able to afford to spend money on Internet advertising.

Mortgage lenders have traditionally been some of the biggest spenders in terms of search engine marketing, or SEO services, and the good news for them, as well as the consumers who rely on them for home loans, is that  revenue put towards paid ad spending, article marketing, and other SEO related services has shown no evidence of ceasing or decreasing.

Advertising based on web search allows marketers to tout their services to people when they look for information and track the response to such commercial messages, said Google’s Jon Kaplan in a recent Reuter’s report. As a result, it (SEO) remains a key outlet for mortgage lenders to cultivate new business leads.

Google’s largest mortgage industry advertisers reportedly spent upwards of $3.5 million apiece on search engine ads in the first quarter.

Tim Armstrong, president of Google’s North American advertising division, explains that even if a market may be weak, the need for certain services, like mortgage lenders, never really decreases.

SEO and Internet marketing services make it easier for current and perspective homeowners to find one another, by increasing the page rank, or results page position, of a particular mortgage lender, realtor, or referral service.

The accessibility, and popularity of Internet-based searches drive the lenders, and the SEO-based companies, to create well thought out campaigns that can withstand both the highs and lows of the ever-changing mortgage climate.

Every single day that someone is looking for a mortgage, Armstrong explains, these campaigns from these financial customers are on 24 hours 7 days, 365 days a year.

Houlihan Smith Serves as Exclusive Advisor to Grocery Shopping Network on First Round of Financing

Grocery Shopping Network, Inc. (”GSN”) reported today that it has completed it’s series A round of venture capital funding with Houlihan Smith & Company, Inc. (”Houlihan”) acting as exclusive financial advisor. The $7.0 million equity financing was led by VantagePoint Venture Partners, a leading Silicon Valley venture capital firm.

Dick Andolshek, Chairman and co-founder of Grocery Shopping Network, reflected on the capital raise process: “I was fortunate to know Richard Houlihan, and when I called him regarding the capital raise for GSN, Richard was accommodating as always. Houlihan Smith & Company immediately assembled a team of consummate professionals who understood our technology, market positioning, and business model. We worked directly with Bob Susskind, a Managing Director at Houlihan and benefited from his 25 years of experience in the technology sector which include stints at 3com, Palm and Nortel. The firm worked tirelessly with our team throughout the preparation and marketing process. Ultimately, Houlihan’s broad contact network enabled us to reach the attention of David Carlick of VantagePoint Venture Partners who has joined our Board of Directors and will be an active participant in our company’s growth. Our fund raising process was a resounding success thanks to the collaborative teamwork of Houlihan and Grocery Shopping Network’s people.”

Bob Susskind, the Houlihan Managing Director who led the account team stated,”GSN is at the forefront of online intelligent ad placement and consumer tracking for the massive food industry. Working with GSN’s senior management team has afforded me an inside view of the future of online consumer packaged goods marketing: GSN is that future. I believe GSN will become the ‘platform’ provider of online intelligent ad placement in the food and grocery market and the source of the most accurate and relevant consumer intelligence ever seen in this market. With GSN’s highly sophisticated software platform, intellectual property positions, consumer packaged goods advertising contracts, and partnerships with major supermarket chains and prominent online marketers DoubleClick and Coupons Inc., I think that GSN is in the best position to capture the bulk of the multi-billion-dollar pent-up demand for focused advertising in this market.”

About GSN: The stated goal of GSN (http://www.groceryshopping.net) is to serve the consumer by making it easier to shop their favorite grocery store and, at the same time, helping them save time and money as they plan their weekly purchases. GSN does this by providing retailers with a suite of proprietary software products that integrates shopping list building with relevant content that allows consumers to seamlessly shop their store, review all items on sale, access and save recipes for the items they plan to purchase, and utilize the many discount offers made available by brand manufacturers. The result is that consumers plan their shopping trip better, take advantage of more discounts, and are more loyal to a single store. This means a higher ring for grocery stores that employ the GSN system, increased savings for consumers using the GSN powered retail site, and targeted advertising messages for brands.

About Houlihan Smith & Company Inc.: Houlihan Smith & Company Inc. (http://www.houlihansmith.com) is a specialized investment banking firm that provides financial advisory and financing services to public and private businesses. Founded in 1996, Houlihan is recognized as a leading provider of financial opinions, financing, merger and acquisitions advisory, and other...(read the full article at the link below)

Create A Graph – A Picture Is Worth A Thousand Numbers

You have data!  The problem is to pull meaning out of it.  The data has no value if you can't understand it.

The solution is to visualize that data.  One of the simplest ways to do just that is with graphs.  Graphs have a way of letting you see the big picture that is hidden within the mass of numbers.

Types Of Graphs

There are several types of graphs.  Each has its strengths and weaknesses.  The following list shows the more common graphs with their pros and cons:

Pros                                    Cons

Line Graphs -     Great for seeing trends and seasonality in data.  -  Not good with small amounts of data.

Pie Graphs -     Good for showing the percentage of the whole.  -   One trick pony! No other uses.

Bar Graphs -     Better with small amounts of data.      -    Not good with large amounts of data.

Uses For Graphs

Graphs have an amazingly wide number of uses.  Some of these are listed below:

Show trend over time.

Illustrates data seasonality.

A visual indicator of volatility.

A predictor of future results.

What portion each part is of the whole.

A means of making comparisons between multiple sets of data.

Shows when a preset standard is being met.

Provides a starting point for regression analysis.

Initial analysis for curve fitting.

Helps visualize the relationship between two or more variables.

Simplifies reporting.

Identifies opportunities.

The Language Of Graphs

Graphs have a set of vocabulary that is necessary to know to fully understand their meaning.  Most of the terms used come right outof your algebra textbook.   If you know algebra, then you probably already know theses terms.  If you don't know algebra then you needto learn these terms and their definitions.

X -  It is common practice to call the horizontal  x values.

Y - The vertical values are referred to as the y values.

X-axis - Separates the y positive values from the y negative values.

Y-axis - This is the vertical line which separates the x positive values from the x negative values.

Slope - This is simply the slant of the graph.  A positive value says the graph is rising.  A negative value says the graph is falling.

Variables - These are the two part values consisting of a dependent variable and an independent variable.  An example might be  a graph of monthly expenses.  The x variable is the month and the y variable is the expense.  A data point might be  February for $3000.  When March comes along, the value might be $2500.

How To Create A Graph

It used to be necessary to have graph paper to create a graph.  Now we have computers.  Spreadsheets, specifically Excel, are often used to create computer graphs.  Online resources are available to create your graph and even print it on your own printer.  These resources are shown below.

Summary

When you create a graph you have made your data visual.  When it is visual, it is much more comprehensible to the human mind.  You have transformed your data into something that communicates meaning more clearly.

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