The Importance and the Relevance of the Macroeconomic Indicators

The economic activities which take place within the framework of a national economy are concretized in a wide range of goods and services. Their assessment under physical or valoric aspect is realised with the help of the economic indicators.

The economic indicator reveals the numeric expression of the quantitative side of the economic phenomena and processes in a certain space and time conditions. It permits to make evident these processes and phenomena quantitatively, structurally and qualitatively and to observe the interdependences between some certain subsystems of the national economy.

According to the level these indicators are calculated for, there can be microeconomic and macroeconomic indicators; if the former shows the results at the level of individual economic agent, the latter measures the performance at the level of national economy. The starting point in calculating the macroeconomic indicators is represented by the microeconomic ones.The most important macroeconomic indicators are the aggregate product, the gross domestic product, the gross national product, the national income and the personal income of the population.

The Gross National Product  ( GNP) represents the market value of the final goods and services produced in a certain period of time, usually one year, by the economical agents of a country, regardless of their existence inside or outside the boundaries of that country.

Oil Partnerships: How to Protect Your Investment

As burgeoning economies push the demand for oil to historic highs, some analysts say the world's oil production is in the process of peaking. Believing that an oil crisis - and, thus, higher prices - is inevitable, some investors are seeing dollar signs in their future.

According to the International Energy Agency, 2004 world oil demand increased by a higher rate than any year since 1988. And if current trends continue, worldwide oil demand will exceed 120 million barrels per day, according to the Energy Information Administration.

As oil fields yield less oil to satisfy this demand, prices are predicted to keep climbing. Forward-looking investors who see an opportunity to profit from these high prices are entering drilling partnerships with oil and gas exploration companies in geographical areas known to have established oil fields. Such drills may result in commercially marketable oil being found, bringing an investor anything from modest monthly checks to great wealth.

Although it's a risky investment, a good drilling partnership program may only have to hit one successful well to create a substantial profit. In addition, drilling partnerships can offer outstanding tax advantages.

However, investors should be cautious and research the company thoroughly before investing, said Dr. Roger L. Cory, President of Mammoth Resource Partners, a company that explores for oil and gas in oil-rich areas of Kentucky.

Cory says the company sets itself apart from others in the industry in the way it does business - more communication with and accountability to its investors. Through its "Partner Communication System," for example, investors are kept up-to-date on drilling activities via an online drill log. They also are able to see the status, GPS coordinates and permit numbers for each drilling project as it progresses.

Investors also should consider the net revenue interest - the percentage of the profits that investors receive from the sale of the oil produced, Cory said. Mammoth offers competitive net revenue interest.

Another thing for a potential investor to address is whether the company takes steps to increase the likelihood of striking oil. Mammoth packages multiple wells into one project and uses computer technology to minimize the risk of "dry holes."

And unlike others, Cory says, Mammoth includes already-producing wells in its packages to provide income and offset risk while exploring for new strikes.

Office Space For Lease

Leasing office space is a chief concern for many businesses. Besides the influence of the cost of office space lease, there are several other vital factors. Some important factors that play a role in office space selection is satisfaction of the employees, output, limitations for growth and, very importantly, the corporate look. To get a fair deal, it is important to have an expert who has knowledge of the current market trend and, of course, the person must have a good understanding of your needs. A veteran tenant representative can successfully get you a very suitable deal.

Tenants do not look for new office space very often but landlords are used to renting out their office spaces repeatedly. Therefore, the tenant has to be really smart and alert and should get a representative exclusively for this purpose. Even if it requires a nominal fee, it will save you from further expenses and keep you from having major complications. In the long run, you will realize that the money spent to hire a tenant representative for dealing with your office space lease issue, is well worth it!

To buy or to lease office space? –This is a question that every business has to consider carefully. The future is absolutely uncertain, especially owing to the ever-changing nature in the rate of the U.S office vacancy and stock markets. So it is essential that the business owner carefully studies the pros and cons of buying or leasing office space.

Now let us see, what are the pros of leasing office space.

First, leasing gives the tenant the option of making a choice of places and the image the area projects. The leasing option is indeed favorable, especially if you are in retail or the restaurant business. The reason is, these businesses depend upon location and image.

One important plus of leasing is that you won’t have to invest a lot of money in office space and therefore you can easily devote that money to running your business,

Also, you don’t have to bear the responsibilities of ownership. An owner of a property has too many responsibilities and carrying them out eats up a lot of time. Thus leasing office space allows you to be focused on your venture and run it smoothly.

Among the cons of the leasing process, the first thing that deserves a mention is the erratic cost factor. With leasing, your rent may increase annually, subjecting you to high costs by the end of your lease. Another downside of leasing is not having any equity. You will be funding someone else’s retirement with your lease payments.

However, office space leasing is a fairly flexible process. The cost of office space depends on the actual footage that is leased. Usually, the tenant has to pay a one-month security deposit in advance for the leased space and for services in a yearly contract. All services are prepaid. The usual price range of leasing single offices, two office suites, three office suites and four office suites are $90-$150, $200-$350, $280-$425, $400-$750 per month, respectively.

Create a Huge Monthly Income Stream

From: Monthly Income Stream

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!

Find a Notary Public

Mobile notary publics provide a broad range of services such as loan document signings, administering traffic school test, witness deeds of trust, and notarize immigration papers, that oaths, provide expert witness service in court, fingerprinting, and seal other official documents from the privacy of your own home or office.

Mobile notary service has recently become a very popular career choice for individuals just looking to earn extra income or persons looking for flexible schedules. The mobile notary has become the icon for real estate, mortgage and title companies over the past 10 years. In many cases the notary is the only individual other than the appraiser that a borrower will physically see during a loan transaction. Before, one would usually have to pack the kids, get their identification, jump in the car and drive to the attorney, title or escrow office to sign important documents. Today, the mobile notary public will meet you at a specific time and location to and avoid you having to leave work early and fight traffic to get across town to the handle your business.

With the aid of the Internet, it is awfully easy to find a mobile notary service these days as many commissioned notaries have their own websites, some banks and credit unions have notaries, but they usually won't travel to meet you. There are some Internet sites like needanotary net that provide an extensive listing of notaries, whose credentials have been verified by a human being. This provides and assures you confidence that the person you engage is a trusted professional. This also saves your from unnecessary phone calls to verify the capacity of the person you are considering engaging. These types of sites can put you into contact with local notaries that are within your local area or neighborhood.

Some of these sites cater to businesses that use notaries as a core part of their business as well as to the general public. I personally would stay clear of any sites that require you to register, as they are usually contract service companies that normally charge you 30% - 50% extra, to dispatch a notary at your convenience. Dealing directly with the notary public will in most cases get you the best pricing. Most Internet sites allow you to enter your location via a zip code, city or county in order to find a notary.

When you actually contact a notary and schedule an appointment, accurately describe the exact nature of what it is that you need done and where you are located and expect to meet, so they completely understand the task at hand and price it accordingly. Also make sure you completely understand the services to be provided and the fees for such services.

Best practices for eService


On your WEB site, the internautes can ask assistance from an agent by clicking on the "chat" button, for instance. From that moment, the agent invites the client to a private demonstration by e-mailing or sending via Skype an invitation by a click or simply by showing an icon for a direct connection to a meeting room. Voice is broadcasted by telephone or even through Skype. As usual, the meeting room's customization with your logo and an adapted screen saver creates a friendly environment. When the agents are absent or outside the working hours, clients might consult, in broadcast, pre recorded assistance capsules. In fact, the list of available video clips might be displayed on the WEB page, in the main entrance to the meeting room.


When doing a private demonstration, Conferenceware's mainly used functionality is the screen sharing. It is used to make a software demonstration or sharing documents. Also, the presenter may send files and even a WEB page. If the need arises, another presenter, like a specialized technician, could join the WEBconference. Even more, a participant that may download on his/hers PC the Conferenceware trial software, could share his/hers own screen with an agent that could detect an error while manipulating it. At the end of a session, the client might be asked to share his/hers level of satisfaction by the means of a question addressed on that regard.

Follow up

The systematic recording of service WEBconferences and the possibility of editing its contents, with the objective of only saving the relevant segments, contributes to the constitution of an audio visual knowledge base. This is the first material of a training program in eLearning for your own agents along with a contextual help capsules library, on self-service. Thanks to the reports, the person responsible for the service might follow, daily, the client's level and mobilize his/hers team on a continuing improvement dynamics.

What is an autoresponder?

An Autoresponder is an Automated Internet Marketing tool.Like any other tool you will need to learn how it operates to take full advantage of its capabilities.

An Autoresponder sends programmed messages at specified intervals of time to recipients that are loaded into it.

The Autoresponder consists of 2 basic elements.

The messages that you compose

The list of intended recipients

Sounds simple Right?

The basic operation of an Autoresponder remains as simple as it ever was but there are many other factors that now affect the success of its use.There are a multitude of new elements to consider when using an Autoresponder.

Since using Autoresponder to send email has become popular so has the abuse of it. There are huge amounts of SPAM sent everyday and your messages get mixed in with all of it. So this makes you even more responsible for getting your message noticed.

The deliverability of your message will depend on several factors as outlined below:

HTML vs Text

Message Content/SPAM Filters

Number of messages sent per hour

Black Listing

The 2nd part of an Autoresponder is the prospect list. There are many list providers on the Internet. Some good and some not so good. Prices range from 2 cents to 40 cents per lead. It can be difficult to find a reliable source for your leads. You can ask around for referrals to lead providers that your friends or Upline have used. If that is not an option then look at some of the following factors:

How long has the company been around on the Internet?

What kind of Guarantees do they offer ?

Is their pricing competitive ?

What is their Google Page Rank ?

The bottom line is that you will need to do some testing to ultimately find out what works. It may take a few tries to find the right source for your leads.

Washington DC Tours – Limo Tours

Wherever you go in the Virginia, Maryland, or Washington area, make sure that you book your ground transportation with  When you are visiting a new area, the last thing you want to worry about is how to get to the places you want to go.  Our success is attributed to the fact that you, our customer, is our primary focus.  Our executive sedans, stretch limos, limo buses, airport buses, party bus, town cars, or limousines are suited to provide the elegant look and style that you deserve when you are visiting a new area.  Let 007 Limousine Service worry about how to get you there, while you sit back and arrive at your destination in the elegance, style and comfort you deserve.

If dining and nightlife is what drew you to this beautiful area of the country, you will find you have almost too many options for things to do.  Washington D.C., Maryland, and Virginia all enjoy a thriving dining culture and diverse nightlife.  Take advantage of any of our limousine services at to experience the Washington area nightlife in both luxury and style. Our downtown and stretch limousines will take you to each club or venue of your choice to ensure you experience these sights as a local would.  If you have a large group, be sure to take advantage of a limo bus, party bus, limo van, or SUV limo.  There is no group too large or too intimate that 007 Limousine Service can not accommodate.

If you are a history or culture lover, you will enjoy the world class museums and art venues that the Washington D.C., Maryland, and Virrginia area has to offer.  There is no better way to experience the ambience of this history mecca than through the experience of a town car, sedan, or stretch limousine to take you to any historical destination you desire.  Blend in with the history and culture of this area by enlisting a luxurious limousine or town car through 007 limousine services.  Attend live theater or musical performances at the Kennedy Center for the Performing Arts, and do so in style, with the convenience and elegance of a classic stretch limousine from 007 Limousine Service.

Whether you are into culture, religion, academics, the arts, or politics, 007 Limousine Service can ensure you experience the area in style with their luxurious limousines, limos, limo buses, limo vans, party limos, SUV limos, or town cars.  Whatever you want to do in the Washington area can be accomplished in the high end style you deserve, at one of the most competitive prices in the area.

We will provide any limousine service that you require at competitive and affordable rates.  007 Limousine Service drivers are on call to use their extensive knowledge of the Washington D.C. area to ensure that you have the best, most enjoyable limousine experience when you are in the nation’s capital and surrounding area.  007 Limousine Service provides point-to-point services from the moment you arrive in the Washington D.C. area, to the moment you are dropped off at your desired destination.

Beta in the Context of the Capital Asset Pricing Model

The economic model used for securities valuation and stocks are a part of the Capital Asset Pricing Model in terms of the expected return and comparative risk. According to the login which is fundamental for CAPM, shareholders are willing to take on extra risk only in case of additional expected return. As a result, the price for stock is negotiated of the free of risk security added to the risk premium which results from additional risk.

Formula of CAPM is Probable Security Return = Free of Risk Return + Beta * Probable Promote Risk Premium, Beta in this formula is the general risk which results from savings in a large market, for example, New York Stock Exchange.

In case of CAPM, Beta can receive a definition of the stock instability of a certain investment selection in relation to the economy. According to the definition, Beta of a market is 1.0, where separate stocks are assessed against the Beta’s market value. Risks which are associated with savings rise with Beta and, the other way, reduce if investment is not as risky. Beta, as the significant element of CAPM, expands proportionately with the price of funds discount rate, while the reduction rate is depressingly related with the current value of upcoming cash flows. That’s why, Beta is the main element in valuation of the company.

Beta coefficient is resulting from the analysis of linear regression. Beta coefficient is estimated from the income of a portfolio during a specific period of time and the profits from distinct asset during a particular period of time. The drop line consequent is referred to like the Security Characteristic Line. Betas are usually calculated by deep-rooted brokerage companies that are later published in a book of beta. It must be noted, that admission to such book if oftentimes limited to usual investors. Nevertheless, other online sources like Yahoo Finance as well have beta coefficients published and calculated. The value of Beta of 0.00 means that the stock is fresh and has no historic performance.

The power of the underestimated: Word-of-mouth Marketing

Word-of-mouth marketing is rarely the focus of a new businessperson seeking to gain more clients. Everyone wants to start an affiliate program or pay someone far too much to "manage their add campaign".

However, many of the biggest businesses choose to use word of mouth marketing instead of a pricey campaign. Google (gmail) and Amazon are two prime examples that I will explain later.

Expensive research has taught these companies that people believe their friends more than they believe billboards or commercials and so it has been proven to be one of the best marketing methods around.

Word of mouth is probably both the most successful kind of advertising and the most profitable. People naturally talk to each other and spread ideas, names and opinions. This article aims to show you how to use this to your advantage, how to make money from word of mouth.

1. Business Cards

There are many places online where you can order large quantities of business cards. If you use them to introduce yourself with people who aren't already friends and family then you are already spreading your businesses name.

It may feel contrived and a little cheesy but it works. Few people rip up business cards. They usually end up deposited on a kitchen table ready to be picked up when someone who runs your kind of business is needed.

Also, they bring your business into conversation. You don't need to promote it, just give them the card and you are increasing your brand recognition.

2. Tell-A-Friend Scripts

Online you often see on the side of websites a link called "tell a friend". This makes it so much easier to tell a friend about a website and therefore far more people do.

BY adding one of these links to the side of your website you are immediately increasing your ability to market though word of mouth. You are making your website word-of-mouth friendly and so you are likely to be talked about more, become better known and make more money.

A free "tell a friend" script can be found here:

All you have to do is copy and paste the script from that site somewhere in your websites html. Maybe at the bottom of the page. Try and pick somewhere near the rest of your links so that it isn't ignored. There we have it! Instantly better marketing.

3) Invite a Friend Offers

This is a strategy that many of the most profitable websites with the best marketing strategies online have used and I am about to explain it to you for free.

All you do is that you offer a discount for every person who invites a certain number of friends to your website.  This is a bit like an affiliate program only you pay them with a discount that does not affect your profits much rather than actual money.

This however is harder to set up. If your website runs a "membership" sign-in system then it will be easy to just get your web engineer to add this script.

If however you plan to run a more basic website set-up (like me) then this still is fairly easy. When you are setting up your shopping cart software (if you read my guide on it then you will be using the free one offered by Paypal) then just customize it to allow "comments" while ordering.

Tell people that if 5 people "comment" or mention their name and email address while ordering products then you will give them a 40% discount on their next purchase. This will form an incentive for people to use word of mouth to grow your business and thereby increase your customer base and potential profits.

4) Email, bulletin board and other signatures

Whenever you write anything online, sign it with your website address if you have one. This includes emails.

A prime example of how this has worked for one company is hotmail. At the end of every hotmail email it advertises the free service that they provide and so the y had to do less marketing because word of mouth gave them free advertising.

5) Buzz

Buzz is the modern term for when you do something exciting, edgy or different and people begin to talk about it - a lot.

While it is very difficult to tell you how to create a buzz for your product or website, I can tell you that you always need to be thinking out of the box.

Again, many very large and profitable businesses use this technique simply by doing something strange as seen in Burger King's "Subservient Chicken" campaign. To promote their new chicken sandwiches they created a website with a man in a chicken suit that would obey the commands that you typed. This was unusual, unique and interesting and so created "Buzz."

I wouldn't recommend doing things like that all of the time but when you are thinking of how to grow your business it is definitely something worth considering.

Custom Vinyl Decals and Magnetic Signs Give You a Competitive Advantage

If you own a small - to medium-sized business, you likely face stiff competition for customers or clients. In such a competitive marketplace, the business that comes out on top is the one that uses every means available for creating brand awareness and advertising its products or services. Even if your marketing efforts include splashy media campaigns, costly pay-per-click search engine marketing, and direct mail pieces, you should also take advantage of less expensive means for sustaining awareness of your company. If you don't have a large marketing budget, it's even more important to find creative ways to build awareness of your company and get the word out.

One of the best ways to advertise is through the use of signage. Huge billboards might be cost prohibitive, but there are a variety of less expensive types of signage that can bring customers into your retail store, drive traffic to your website, and create an awareness of your products and services. Best of all, high quality customs signs can be ordered over the Internet at a fraction of the cost of creating custom signs locally. What follows is an overview of the types of signage that is available and how you might incorporate it into your business.

Custom Vinyl Decals: If you own a retail store, your doors and windows are essentially premiere advertising space. When you create a custom vinyl decal for your door or window, you have a powerful advertising mechanism. Custom vinyl decals are also ideal for bumper stickers, so if you belong to a booster club, are advocating for a political cause, or want to provide a giveaway to your customers, you can design your own bumper

Custom Window Lettering: Lettering with your business' name on it is important for your storefront, but vehicle lettering can be an even better advertising bet. When you have custom vehicle lettering, you are advertising your business whenever you or your employees are behind the wheel. You can customize these vinyl graphics to incorporate your logo, your business name, your website address, your phone number - or anything else you want potential customers to know.

Custom Banners: Whether you're having a sale or another type of event, custom banners draw attention to your business. When you design your banner, you can include your logo and have access to a wide selection of colors, fonts, special effects, borders, and graphics.

Magnetic Signs: If you need signage that is temporary, magnetic signs provide you with inexpensive yet valuable advertising. For example, if you or your employees use their personal vehicles for deliveries or to call on customers or clients, magnetic signs can easily be attached to the vehicle and then taken off at the end of the day.

Other Types of Signage: The best custom sign companies can produce a huge variety of signage. In addition to custom vinyl decals, window lettering, banners, and magnetic signs, they can also do everything from custom wall lettering and custom wall graphics, to boat lettering and registration numbers, to license plates and digital decals.

Virtually every business that advertises - from network marketers to franchisees - can utilize these inexpensive marketing methods to spread the word without breaking the bank.

Safex system

Safex Systems has a wide network of dealers and retailers across India which provides with a wide rage of SAFEX products for your needs. These dealers and retailers have been awarded a Authorized Dealer / Retailer certificate on various product/service quality benchmarks set by SAFEX.


Products are Matt finish, abrasion resistant & high temperature withstanding properties. Used as overlays for electrical / electronic switches, fascia panels, dials, Index separator etc..


These Labels are in continuous serial number and can be provided with alpha numeric Barcode.


These Labels are used to prevent misuse of valuable parts under warranty, pilferage, identifying genuine material, approved or rejected material. These labels upon removal will leave a distinct void mark on the surface and cannot be refixed. They can also be provided with barcodes and serial numbers for added security.


For holding of non-ferrous material during grinding.

Mounting of nameplates / emblems / mirrors / decorative strips etc.Mounting of Flexographic & Nylo Plates.Web Splicing of jumbo Rolls.Bonding circuit boards, Plastic to metal etc, thus eliminating use of rivets.


Excellent chemical & solvent resistance, can be used for reinforcing slot liners, insulating Bus-Bars & Transformer Jumper Arms.Used in Heavy Duty Application, Outstanding resistance & toughness. Most ideal for safety consciouspersonnel.To discourage fungal growth, Used in coil winding, transformers, Moulding wires in motors, core isolation in relay & solenoid coils.


A gasket having the profile of a mould for slush moulding articles of two or more colours such as simulated leather products or the like from materials chosen from thermoplastic, thermosetting and elastomeric resins in powder form, the profile being that along that line of the mould which defines on the moulded article the corresponding separation line between two different colours, the gasket being fixed to a separation wall which defines two separated half-spaces within the mould, in which gasket there being arranged a plurality of rigid material inserts in a predetermined distribution, each being independently controlled by an actuator device to enable the gasket to undergo expansion or retraction movements by operating the inserts.

Update: Palacio de Bahia Back On! 07/05/07

Palacio de Bahia is now back on, but it is a different building. Now it is 83 stories down from 97. It still has a hotel. We are not sure about the prices but we are thinking the prices will be higher. The average price of a new project condo in Panama City is now $2,000 a sq. meter. Some of the icon projects are being offered for $3,500 a sq. meter and everything in between. Some think Panama will reach $5,000 a sq. meter. Others think prices will recede back to the $1,000 a sq meter previous level. We are in the middle somewhere thinking between $1100 and $1800 a sq. meter to be about right for this market.

Please bear in mind to the European who is on a Euro economy buy in Panama, which is on the US Dollar, reflects a discount of better than one third. Once the dollar regains its strength (or for some readers I should say if <smile>), the European market will dry up and then who knows what will be.

Stay tuned for more updates as they come in.

Once again our position is if you cannot go into the home and turn on a light and flush a toilet do not buy. We still favor the existing housing market.

Where in the World?

Where in the world? How many clues do you need to guess where in the world this place is .. .. ..

Clue 1.   The Government gives you $1000 for your personal pension plan?

Clue 2.   It is one of the top ten emigration destinations in the world?

Clue 3.  It is the first country in the world to see the new day each day

Clue 4.  It has the tallest building on the southern hemisphere.

The answer is at the bottom of this article!

If you still haven't guessed then you should join the forum with the answers! For General business information and topical news is presented daily at  topics covered range from business opportunities, brokers, biz networking through to recruitment and breakfast clubs.

Other key facts that would interest business entrepreneurs would be that unemployment is at 3%, with a feel good economy, and the fact that the population is only 4 million and where the main language is English.

Where the famous Lord of the Rings was filmed, the snow capped mountains through to the subtropical forests give this wonderful island a demand, infact only 50,000 people every year are allowed to migrate.

The answer is of course? New Zealand.

If you are looking for information about New Zealand and are considering emigration or business opportunity then you should seriously join the business forum of New Zealand.

Tips for Keeping Restrooms Smelling Fresh and Clean

There's nothing that says your cleaning company is doing a great job more than when your building's restrooms are not only clean, but fresh-smelling. After all, when employees or visitors enter a restroom they "hope" to be confronted with a pleasant scent - pine, citrus or just a clean smell. Unfortunately, that is not always the case. Often when individuals enter a restroom they are assaulted with an overpowering scent or even unpleasant odors.

Looking through any janitorial supply catalog there is a wide range of products to combat odors  - urinal screens and cakes, air fresheners of all shapes, sizes and fragrances, air sanitizers and commode and urinal mats. As a cleaning contractor, where do you begin?

To get a clean smelling restroom the first thing you have to do is remove any foul odors. Begin by assessing the restroom. Odors can come from many sources - restrooms do have their own share of "natural" odors and in addition dirt and bacteria can cause even more offensive smells. Check and monitor drains as they are a well-known source of fostering odors.

The first step to keeping odors under control is thoroughly cleaning and disinfecting restroom surfaces. Also consider using enzymes in drains to help break down materials that are decaying and that can lead to problem odors. Proper cleaning should remove not only the dirt you can see, but places that catch dirt and bacteria that can lead to offensive smells.

Odors can thrive in tile floors in men's restrooms as urine can easily get into the grout. Mopping every day can get the surface dirt, but dirt and urine that have penetrated the grout need more aggressive treatment. You may need to use a floor machine or vigorously scrub the grout to remove any build-up.

Use a neutral cleaner/disinfectant/deodorizer when cleaning floors, urinals, toilets and the partitions between stalls. If you mix up your solution in a mop bucket, you can pour the water down the drain after cleaning the restroom to help keep the drain smelling fresh. Check under toilet rims, countertops and other areas where soil may have collected.

Proper employee training is also critical in keeping restrooms odor free. An employee who rushes through a bathroom with a squirt of disinfectant and quickly sloshing a mop across the floor is going to be creating rather than solving odor problems. Employees must know how to use cleaners and disinfectants properly and be sure to allow the right amount of dwell time.

Once you have a restroom clean, putting the right products in place will help keep it smelling fresh. Urinal and commode mats are gaining popularity. Place these items under urinals and around toilets to collect any urine that drips on the floor. Besides capturing liquids, the mats also contain a deodorant that helps cut down on odors. Once full, simply toss the mats into the trash.

Air freshener dispensers come in all shapes, sizes and fragrances. Take care in choosing fragrances that are not overpowering. Strong smells, whether they be of pine, vanilla, cinnamon, green apple or citrus, can be offensive. Also remember when choosing fragrances to make sure that air dispensers, urinal cakes and others, all emit the same scent. Competing scents can interact and make your restroom odor problems worse.

There are many variables when it you are first trying to rid a restroom of foul or unpleasant odors. Because of increased scrubbing, when you first thoroughly clean a restroom more odors may be created as you are stirring up dormant smells. However, this is a sign that your cleaning will remove the problems and your customers will end up with a clean and fresh smelling restroom. The overall benefit of a "fresh smelling restroom" will make your cleaning clients happy and your cash register ring!

Accounting and Accountancy

Oftentimes when I meet someone for the second or third time, they say, “aren’t you in accounting?” While I am into accounting, which is the methodology and measuring aspect of my work, the profession as a whole is better labeled as ‘accountancy’.

Accountancy is the profession and accounting it the methods by which accountants measure, track and report on financial information so that resource allocation decisions can be made by, well, whoever the decision makers are.

For a small business owner’s personal finances, as an example, I may be measuring the finances of a few people (the family), and reporting the necessary information to the small business owner. In this situation, the decision maker is the small business owner and his decisions involve deciding how much money he has to put toward family necessities.

Generally speaking, there are two main types of accounting. There is financial accounting and there is auditing. Financial accounting typically involves processing of financial information about a business operation where information is recorded, organized, summarized, interpreted and finally communicated.

Auditing, on the other hand, is there process that an independent auditor examines accounting records and financial statements so that he or she can express a professional opinion about the financial records and answer questions about projections.

At the heart of accountancy lies the need to take stock of the day to day state of various sales and expenses. In the modern world when many contracts are partially fulfilled at varying times, bookkeeping is the only way to know where you and your business stand in the greater scheme of things.

If you operate your own small business, you may be able to do just fine with some accounting software. Take a look around for some flowchart templates. These can make monthly financial recording and reporting, dare I say it, fun. Simply enter in the various types of income and expenses, then each subsection updates the appropriate fields. Before you know it you’ve got proof that all bills have been allotted for and you’ve got your bottom line.

If you find you can manage your business finances on your own, then, by all means, stick with the system that you know works for you. If, however, you start running into complications that make it hard for you to see where discrepancies are coming from, it may be time to enlist the services of a professional accountant.

memory bus is also called an address bus or front side bus and both busses are high speed digital superhighways. Access methods and speed are two of the fundamental technical differences between memory and mass storage devices. All memory sizes and storage capacities will inevitably be exceeded with advances in technology over time.

Cache memory is a special type of internal memory used by many central processing units to increase their performance or throughput. Some of the information in the main memory is duplicated in the cache memory, which is slightly slower but of much greater capacity than the processor registers, and faster but much smaller than main memory. Multi level cache memory is also commonly used. Primary cache is the smallest, fastest and closest to the processing device. Secondary cache is larger and slower, but still faster and much smaller than main memory.

Semiconductor memory uses semiconductor based integrated circuits to store information. A semiconductor memory chip may contain millions of tiny transistors or capacitors. Both volatile and non volatile forms of semiconductor memory exist. In modern computers, primary storage almost exclusively consists of dynamic volatile semiconductor memory or dynamic random access memory. Since the turn of the century, a type of non volatile semiconductor memory known as flash memory has steadily gained share as offline storage for home computers. Non volatile semiconductor memory is also used for secondary storage in various advanced electronic devices and specialized computers.

Finding an Inventory Software Solution that Fits Your Business Needs

If you're looking for an inventory software solution, a simple Web search gives you a myriad of options. It's difficult to know which inventory management software will fit your needs, so here are some tips to find the system that is right for you.

Choose an Industry Leader

Inventory control software is too important to leave to companies that haven't proven their mettle. The best products come from companies that have deployed their software in a wide variety of industries, from aerospace and apparel to manufacturing and sporting goods.

Look for Robust Functionality

The best inventory software solutions provide you with Enterprise Resource Planning (ERP) that integrates solutions for all aspects of your business. Features to look for include:

Analytics: Information is critical to managing and growing your business, but you need more than numbers on a page to transform data into actionable information. Robust inventory control software will give you a range of customizable reporting options, including advanced analysis for the decision makers in your company.

Expiration Date Tracking: If your inventory includes time-sensitive products, your inventory software should track expiration dates from the moment they are received until they are shipped. Because expiration-related issues could crop up in the future, the software should also include the ability to track historical expiration date data.

Manufacturing: Smooth production cycles depend upon sound management of resource planning and production. The right software can allow you to gain a competitive advantage because it gives you the ability to respond quickly to the needs of your customers.

Remote Data Collection: The top inventory software providers can combine software and hardware solutions that will allow you to remotely access vendor and customer data, track inventory and fixed assets, and issue sales orders and receive purchase orders.

Retail Management: If you have retail locations, look for an inventory software solution that can increase the productivity of your employees, adjust inventory at point-of-sale, and automate purchasing.

And, of Course, Inventory Control

The inventory software solution that you choose should have the ability to track serial number, print barcodes, and store item images. It should allow you to define automatic reorder points, the purchase currency and cost, and the sales currency and cost. If you have unique pricing requirements, the software should allow you to assign different price points to the same item. It should also allow for manual counts and adjustments, as well as provide an audit trail for inventory adjustments.

Flexibility is Key

An inventory software solution should be robust, but it should also be flexible. If, for example, you deal in apparel, a module that tracks color, size, and style should be available. If your company provides service and returns, you may need a module that allows you to issue return merchandise authorization numbers, receive replacement items from your vendors, and issue replacement items to your customers.

Whichever inventory software solution you choose, make sure that it has both the features you need at the present time, and those that you may need in the future. In today's competitive marketplace, you can't afford not to have the most up-to-date information available in a form that enables you to make decisions in response to market demands.

High Tech Product Management

Product Management--what does this mean in a High Tech company? What is the function, and where does it belong? I've held permanent positions in a number of high tech concerns, as with PJM Consulting I have worked with many more in a consulting capacity.

Product Management is all over the map in High Tech. Most often it resides in the marketing department. Sometimes, it's in the engineering/product development department. Occasionally you will see it as it's own function. And again, what does the term mean in a High Tech company? Sometimes it is used interchangeably with the term "Product Marketing". In this case, it means responsibility from cradle to grave of the product planning and marketing functions for a particular product or product line. In other words, working with the developers to define the product (product planning), as well as driving the other "3Ps" for the product--setting pricing, distribution strategy and promotional strategy.

In larger companies you will often find this function separated into two distinct jobs: Product Management as the Product Planning portion, and Product Marketing as the function that manages the product once it is released into the market--driving pricing, promotion and distribution. In this case both functions may still reside in the marketing department, or the Product Planning portion is sometimes in the engineering department.

The last variance on this theme that is sometimes seen is that the Product Management resides in the engineering department, but it only vaguely resembles the traditional definition of the term. In this case it is "Product Planning", but the job and skill set more closely fit the definition of an engineering project manager, with very little weight put on exploring the market to match marketplace needs with engineering capabilities.

In High Tech, the Product Management function is most typically a "matrix" position: lots of responsibility for a product's success, with very little actual authority to ensure that success. Normally a Product Manager's success will be decided based upon his/her ability to convince other stakeholders in the organization that the path laid out is the best thing for the company (and the individual stakeholders as well!) People skills are therefore as important as having a technical grasp of the job in a Product Manager's ultimate success.

In consumer markets, the Product Manager typically holds much more direct power--often much like a mini-GM for his product line. Often product development will even work for him. The term Brand Manager is often used in consumer businesses instead of Product Manager. (In a big High Tech company, a Brand Manager will fulfill more of a Marcom role).

So what's the best way to structure the Product Management role in your business? Well there really isn't one best way. It depends upon your business, culture and personnel. But I do have my biases. I believe strongly that most high tech businesses would benefit by structuring the Product Management function to be strong. Tthere is much to gain by putting a strong, experienced Marketer with a strong technical background in a Product Manager role where they are graded and compensated by the results of the P&L of their product line. I wouldn't go so far as to suggest that Product Development should report to the Product Manager in a High Tech company, but I would give them discretionary budgetary authority on at least a portion of the marketing budget for the product line. I would also make sure they have management backing to deal with the developers from at least an equal position of strength. This lack of product management strength is a huge problem in many High Tech companies, particularly those founded by product developers.

The Product Manager's mentality should be that of a "mini-CEO" with his product line analogous to the overall company for a real CEO. Too often in technology companies the Product Management/Marketing functions do not have the ability to stand up to Engineering. This leads to a culture of building what suits someone's fancy, not building what the market will buy--a very dangerous thing in the long term. A strong Product Management function will lead to an advocate for that product line whose sole business "purpose in life" is for his product to succeed. This outlook ensures that the big picture will always been looked out for, eliminating the potential for a product line's performance to be reduced by turf wars-- or sub-optimal tactical moves due to poor inter-department communication. The Product Manager is there to rationalize and orchestrate to ensure the product line has the best chance of success.

That's my take--what's yours?

How to Make Your Cold Calling Problem-Focused

We rarely think about our prospect’s problems when we cold call. It’s just easier to focus on our product or service. Naturally, it’s really tempting to make cold calling all about us and what we have to offer, rather than about the other person.

In this new cold calling approach, we think about the potential client. We especially look at problems they’re having, and we build our conversations around that. This is the most effective way to do cold calling, and here’s why:

1. Potential Clients Listen Better

In the old traditional sales mindset, we’ve been trained that the best way to make a sale is by talking about us, our company, our product, and the benefits it can offer to potential clients.

Well, the problem with this approach is that it’s all about you. The standard pitch - "I’m so-and-so, I’m with such-and-such, and we do such-and-such..." is about who you are and what you do. The moment the people you’re talking with realize that you’re making the conversation about you, they tune out and turn off. We all do this in our everyday life when we’re confronted by someone who talks on and on about themselves.

2. We Avoid the Numbers Game

The new cold calling approach walks away from the "numbers game."

The numbers game is the belief that if you call enough people, some of them will listen to your presentation and that some of those who listen will buy.

However, when we focus on solving the other person’s problems, we break out of that grim scenario. It’s no longer about how many people you call and pitch. It’s about your ability to connect and build trust within each one of those calls.

This is because you’re focusing on something (a problem) that others can immediately relate to. Rather than offering a long pitch and rolling the dice, hoping that someone will respond positively.

3. Trust and Integrity Become Part of the Process

Most cold calling approaches try to slip in the back door by using strategies and techniques designed to "get the sale." Sometimes these techniques feel manipulative. Sometimes they’re annoying to the potential client.

For example, there’s a cold calling approach that’s based around intricate questioning techniques. It’s designed to get at potential clients’ pain and lead them into a sale. The problem with approaches like this is that the goal is always to get the sale, not find out the truth of whether there’s a fit between you and your prospect.

In this new way of cold calling, we’re focused on the other person and their problems. We’re looking for opportunities to assist, and we’re doing it with the highest of integrity.

This approach to cold calling doesn’t use influence techniques in any way. It speaks straight to the customer’s problems in a non-threatening manner. All you have to do is focus on the truth.

4. Problem Solving Feels Better than Selling

When you follow the new cold calling approach, you become a problem solver rather than a salesperson. This is the most powerful shift you can make.  From this place, you’re building trusting conversations. You are speaking to the problems of your prospects rather than pitching your solution. You are thinking from their perspective and engaging them in their world.

Most of us like "fixing things." There’s a greater sense of fulfillment in discovering whether we can help someone fix a problem. We’re engaging some of the best character traits we have as people, and that feels good. Our days end with a sense of satisfaction rather than frustration.

These are just a few good reasons why problem-focused cold calling works best. You’ll find opening conversations will become effortless. You will also attract people’s attention because you’re addressing a specific problem that is of concern to them. Prospects won’t look at you as a "salesperson." You’ll stand out, because most people who sell are trained to just promote their service or product. Moreover, you’ll eventually discover an overall sense of ease permeating your cold calling day.

Chrysler Strike Deadline Nears

The United Auto Workers' 11 a.m. EDT strike deadline loomed over continuing labor-contract talks between the union and Chrysler on Wednesday morning.

Negotiators worked through the night at Chrysler's headquarters in Auburn Hills, Mich., according to the Associated Press, but several key issues remained unresolved.

The UAW recently completed similar negotiations with Chrysler's counterpart, General Motors , but not before workers walked off the job for two days.

If an agreement is not reached with Chrysler on Wednesday morning, 49,000 workers could leave their jobs at 24 U.S. plants, but negotiations could still be extended further.

Representatives of Chrysler and the UAW couldn't immediately be reached for comment.

Observers say Chrysler could easily weather a short strike because its inventory levels are too high and a work stoppage could help the company remedy that. A longer strike would be a threat to the company's cash position.

Chrysler was recently sold by its former German parent company, Daimler , to private-equity giant Cerberus Capital Management. It's no longer traded publicly, but its negotiations with the UAW could have implications for the No. 2 U.S. automaker, Ford .

Meanwhile, the UAW is expected to announce Wednesday that a majority of its GM workers voted to ratify its tentative agreement on a labor contract. The two parties agreed to set up a union-controlled health care trust fund, or VEBA. It also established a two-tier wage structure, allowing the company to pay new hires at a lower rate that is more comparable to its foreign-based competitors.

The VEBA will be expensive for GM in the near term as the it shells out cash to finance the fund, but in the long run, it promises to free the company from the crushing burden of its health care payments to retirees. That will lower GM's borrowing costs and boost the profitability of its auto operations, allowing the company more leeway to invest in new products and become a more formidable competitor.

Talks at Chrysler are centered on how much the automaker would pay to finance a VEBA. It has an estimated $18 billion in unfunded retiree health care costs. The automaker also is trying to get health care concessions from the UAW that were already granted to GM and Ford.

Refinancing Tips – Five Steps to a Speedy Loan for you

Many homeowners complain that, in these days of refinancing fever, customer service is sluggish, at best. Lenders don't return phone calls or reply to emails, leaving consumers in limbo. Here are five things you can do to help grease the wheels before interest rates have another chance to rise.

1. Have your ducks in a row: Documents are the name of the game when it's time to processing a ( loan). Call ahead and find out what you need to bring before you sign the application on the dotted line. These may include tax returns, legal papers, or your spouse (to sign paperwork). If you have everything ready when you show up at the bank, things move quickly.

2. Be ready for the race: It's great if you're "on the mark" and "set;" but if you're not ready to "go," you may be eliminated from the race. If fees are due for credit checks, appraisals, etc. before the closing can take place, make sure that you have the money in hand, and pay them promptly. If you aren't ready to lock in a rate, your home mortgage application process may not go forward. By the time you finally decide, more decisive customers may reach the finish line first.

3. Treat it like a doctor's appointment: When you go to the doctor with a specific complaint, the most important thing is to communicate your symptoms. This way, the doctor can prescribe the ideal remedy. Before you make an appointment with a mortgage loan officer, write down your top five reasons for refinancing. This way, you can get the exact mortgage package that's appropriate for you.

4. Narrow the field: Use the Internet to research various ( options), and narrow the field before you talk to your lender. Do you want an adjustable or fixed rate? Do you want to pay the same amount each month, but shorten the life of the loan? Are you trying to free up some needed cash, or just hoping to lock in a lower rate? Do you want to pay down principal, or just pay interest? Ask yourself these questions ahead of time. By knowing your priorities, it will be easier for your lender to suggest the home loan mortgage refinancing that best fits your specific needs.

5. Don't babysit the mortgage refinancing loan process: Once the loan is in progress, keep in touch with your lender, but don't become a backseat driver who looks over the loan officer's shoulder every mile of the way.

By following these five simple protocols, you'll greatly assist your loan officer. And that translates into helping yourself to a smoother and faster mortgage ( refinance).

What you need to be a Dropshipper

First off, you will need products to sell. Be very carefull when looking for dropshipping suppliers online there are many unscrupulous people that will take advantage of you. There are a couple of rules to follow when choosing a dropshipper. One, a real dropshipper will never charge you a fee to sell their products. Two, a real dropshipper will want proof that you are a legitamate business. They may ask for any or all of these; Business License, DBA, Federal ID (EIN), and/or Sellers Permit. A very good source of real wholesalers is the WorldWide Brands OneSource Directory. They sell a directory of REAL dropshippers and light bulk wholesalers that they have resarched for you.

Secondly, you will need a venu where you can reach prospective customers. You may want your own website or to sell your products on ebay. For your own website you will need  a domain, a webhosting account, and shopping cart software. EZ Dropship Cart is a great cart for dropshippers. Ebay is also a great way to reach perspective customers, the only problem you may run into is that some manufacturers place no auction restrictions on their products.

Thirdly, you will need a way to accept your customers payments. Paypal is a fast easy way to get started, you pay fees only when you have transactions. While credit card processors offer lower per transaction fees, they require setup fees and monthly fees that are geared tword large voulme sales.

Lastly, you will have to get Legal, this is where most people faulter. They think it sounds hard, complicated, and expensive. And actually it isn't any of those. Just visit your states website to find out what you need to do business. In most cases a DBA can be used in place of a Business License. But either way most states charge around $20.00. Some states, not all, require you to get a Sellers Permit or Resale Certificate. Either way all the resources you need should be available at you states home website, usually under a small business section. While you may not have any employees I highly recommend getting a fedeeral id. It costs $4.99 online and you get it instantly.

How to Create an Online Business with Affiliate Programs

Just ten years ago, having a Web presence was perceived as something rather exotic. Web pioneers were trying to find a way to bring the Internet to the masses, and email was still in its infancy as people battled to stay online with their dial-up connections.

What a change a decade can make! Today, there are millions of websites and virtually any person can start up an online business. Obtaining domains and web hosting are just a few clicks away, and business opportunities abound. The primary challenge is finding an online business opportunity that can bring in revenues without you having to actually sell products, stock inventory, or deal with customers.

That's where affiliate programs come in. The truth is, one of the best mechanisms for monetizing a website is through affiliate programs. Even if you've never heard of them, chances are you've seen affiliate programs on hundreds of websites. They are the buttons and banners and links that advertise ecommerce sites both large and small. Every time a person clicks from your website to that of an affiliate website and that person buys something, you get a percentage of the sale. Although the percentage is relatively small, the more traffic you drive to your website, the higher your clickthroughs and the higher your sales.

Although some people are willing to invest an incredible amount of time signing up for individual affiliate programs and building their own websites, there are actually companies that will do the legwork for you. In fact, they will provide you with your own domain or domains and you can reap the rewards of a variety of affiliate programs.

The best online business affiliate programs will set you up with an interesting website with a variety of affiliates. Here are some examples:

Auctions: One portion of your home page can be a portal to eBay auctions, and actually list many of eBay's main categories. It also might have a banner ad that lists auctions that are ending soon, as well as an in-banner search box so visitors can search for items of interest.

Shopping Malls: Another section of your home page might be dedicated to affiliate ads from a big company like As with the auction section, the navigation bar will list a number of categories and will take your website visitors to the area in which they're interested.

Nutrition: You might also have several smaller graphics that are affiliates of nutrition companies, and that sell, for example, bodybuilding or weight loss supplements. Similarly, you may have affiliate links for ecommerce sites that book vacations or that sell flowers, electronics, or supplies for pets.

Beyond the affiliate links, your website will also have interesting and useful up-to-the-minute information for your site visitors. For example, you may have a news banner that provides visitors with headline news, world news, and news about technology and entertainment. It may also have stock quotes and weather information.

The money you make from your online business comes from two sources: affiliate links and from referrals to others who join the business opportunity through your website.

Now that the barriers to successful online business opportunities have been broken, there's no reason that you can't launch your own online business and reap the rewards from affiliate programs.

How to decide on one product or service to sell

The temptation of the Internet is that there is so much to choose from that you get confused and try too many things at once. I know that because I went into Internet business with only a general  idea. I did’t do my homework before investing any money. I was wrong! What happened? I did not make a wise decision of what to sell.

So, how do you decide what is the best product or service for you to sell? Not every person can do well selling any product they choose. If you want to get off to a good start, you need to apply the following rules.

Rule number 1 – Choose a product or service that you already have some knowledge of. You don’t have to be an expert, but if you know something about your product or service, you can save yourself a lot of trouble. If you are knowledgeable about a product or service, you’re off to a good start because it enables you to make informed decisions about what software you need, methods of payment you should accept, how to design your web site, who is your target market, etc.

Rule number 2 – Don’t choose your product or service because someone else tells you how great it is. Some people will tell you anything to get your money. I’m still waiting on a $49 refund for an ebook I. Do your homework - check out the company. Do they give references? Do they have a guarantee? Do they really sell an actual product or service, or do they sell the idea of selling? Save your money by choosing a product based on your research, not a stranger’s claim.

Rule number 3 – Choose your product because people want or need it, not because you like it. If you sell something that meets a need or solves a problem for people, you are well on your way to making money and realizing your dream! Marketing is a whole lot easier when people want what you have to sell. There are a lot of free and "low cost" opportunities out there, but very few of them meet a need or solve a problem. Always fit a product to a market; do not try to make a market for a product.

Rule number 4 – Do the money math. You should have a markup of 3 to 5 times the actual cost of the product. You’ll have expenses to cover, such as web hosting, Internet access fees, credit card processing fees, phone bills, and more, so you need to know if your sales will earn you enough to pay your bills and make a profit. Also included in the math is figuring your "break even" point. That is how many sales you need to make just to pay your expenses. If your monthly expenses are $300 and you make $30 profit per sale, then you need to make ten sales in a month just to pay your expenses or "break even". Every sale after that is money for you. (Here’s a tip – do not waste your time trying to make money selling a product for $5 or $10. You would have to make 15 to 20 sales a day just to make a living. That means you would have to have around 30,000 visitors a month to your web site!)

If you apply those four rules when choosing your product or service, you will be well on your way to being successful on the Internet.

Incorporate Your Business for Long-Term Benefits

If you're considering turning your small business into a corporation, there are certain benefits to expect when it comes to taxes, liability, and company operations. Though incorporation isn't the answer for every business, it's good to be familiar with the benefits from the start so you can maximize your company's potential for future growth.

Incorporate Your Business for Possible Tax Advantages

Tax benefits are the main reason many companies decide to incorporate. A corporation enables you to accumulate your wealth and assets with special tax rates meant for corporations. These rates are a bit lower than tax rates for individuals. Also, when you own a small business and do not incorporate the business, you must pay self-employment taxes (including social security tax) along with regular income tax, either quarterly or in one lump sum. Operating as a corporation enables you to set up a payroll structure similar to working for someone else, where these taxes are taken out of your paycheck little by little on a regular basis.

Corporations are able to deduct many operating expenses without restriction. They can also split income with shareholders, a process that often lowers the overall tax bracket for the corporation. The term for this is called "shifting." Corporations are also less susceptible to IRS audits whereas sole proprietors are targeted frequently for audits.

Corporation Benefits for Employees

When you incorporate your business, you may receive tax-free benefits as an employee such as medical insurance, life insurance, a retirement plan, education, work-related travel, and client or employee entertainment. Most states allow for these benefits even if your corporation only has one employee.

Liability Benefits

Liability is another major benefit of forming a corporation. Because a corporation is a legal entity of its own, it is similar to person, which means it can be sued or sue another. The shareholders are not held responsible for the corporation's obligations and debts. In a sole proprietorship or partnership, you could lose everything you have (including your home and personal assets) if a lawsuit is filed against your company.

Corporations Live On

After you've retired or passed on, your corporation will still exist for another to continue the business. This is possible because a corporation doesn't rely on one or two persons to be an operating business. It is a separate legal entity that can be operated by a group of shareholders and board of directors.

Financial Benefits

When you incorporate, you give your company the ability to grow financially. It's much easier to raise money for a corporation, and shareholders can help make things possible that you as an individual cannot accomplish on your own. The business will have more opportunity to grow and become a great success as a corporation.

Forming an LLC

Even when considering all the benefits of incorporating, you might still be hesitant about this decision. Forming an LLC (Limited-Liability Company) is another option. When you form an LLC, you are creating a legal entity for your business just as with a corporation. You are not legally liable for your company's debts, but the tax requirements are different than those of a corporation. Be sure to study the differences between the two before making a decision. LLC formation might be the right avenue for your small business.

If you feel it will benefit your business to incorporate, you can check out great resources on the Web to help the process go smoother. There are many websites that enable you to incorporate online and provide helpful tools so you can start enjoying corporate benefits in no time.

For best advice on real estate investment contact a real estate investment company

Now days buying and selling property is quite an easy task. But one has to know the ins and outs of the current market otherwise you will be cheated. A person who has a good knowledge in real estate finds it easier to survive in the real estate market than the one who is a novice. In such a scenario a real estate investment company lends the help needed to make your investment a smooth process.

A Real Estate Investment Company is the right choice for due guidance on all aspects of real estate investment where experienced professionals will guide you throughout your path. So the process of buying and selling real estate can be accompanied with services of professionals in the industry which are very helpful.

The Real Estate Investment Company will provide you with various leads on real estate agents, brokers, realtors etc so that you are in right places at the right time and amongst right people. Real estate agents will also provide you a list of do’s and don’t in this field and thus help new players from committing mistakes and incurring losses. There may be many number of real estate investment companies available so try to choose the most competent among them.

Real estate companies also give you latest real estate information, current market value, market trends, and many more. Working with these real estate investment companies you gain knowledge in real estate and come to know about various investment opportunities.

One of the best roads to financial freedom and wealth has and always will be the good, solid, income producing real estate investment. Real estate investment is the safest of all investments. Today, more multi-millionaires are being created in real estate investment than any other sector such as stocks & bonds, gas & oil or precious metals. Real Estate Investment Companies are making the job of investors pretty easy and gaining profits in the process.

The E-mail You Save May Be Held Against You

When to delete an e-mail — and not

Guidance for Owners/Managers

When it comes to e-mail, I'm a packrat. No, it is not true that I still have the first e-mail I ever received. But I probably have my first e-mail from the year 2000.

In fact, I probably have all my e-mails from the year 2000. So of course, I have everything since then, too.

Why do I have all this stuff? I'm not sure, frankly. Maybe I was concerned that I would be sued over some imaginary transgression and would need an e-trail to prove my innocence. Or maybe I was vaguely concerned about some legal requirement to save this stuff.

I'm not the only one doing this. Some of you have thousands of e-mails, too. And you probably don't know why you're saving them, either. Maybe you're worried about going to jail over some stupid e-mail you can't find.

I'm hardly an expert in what e-mail documents and records to save. So I talked to Donald Skupsky, the president of Information Requirements Clearinghouse. He modestly describes himself as the world's leading expert in this area. I also talked with Charles Fine, a Phoenix attorney.

Here are some things to consider when you wonder whether or not to save e-mail. Obviously, if you still have questions, talk to a lawyer.

Save important records.  But e-mail is not always considered a record. Companies should save records of business transactions. If you sign a contract, save that contract. If you receive the contract as an attachment to an e-mail, and the other party says in the e-mail, "We accept the contract," save the e-mail too. That constitutes a record.

So if you would keep it as a paper document, keep the e-mail. Otherwise, pitch it. That includes e-mails generated during the contract process. This is work-in-progress material, and does not reflect the thinking of an organization. Rather, they are the thoughts of individuals.

When you do keep something, store it formally. Don't leave it in your e-mail program where no one can find it. You might be best off to print it and put it in a folder.

Sometimes, keep more.  There are certain times in which you cannot discard things. For instance, if you are part of a legal process, you can't delete anything that is relevant. I'd err on the side of caution. Better yet, follow your lawyer's advice.

Even if you are not currently in a legal process, there are two other important words: imminent and foreseeable. If you're on notice that you'll be indicted, things are imminent. Now is not a good time to clean out your e-mails. If you make a big boo-boo and somebody gets hurt, a lawsuit is foreseeable. Again, be careful. Talk to your lawyer.

According to Skupsky, only the securities industry is required to keep all of its e-mails. Everybody else is free to pitch them.

But don't keep everything.  Most likely, those e-mails piling up probably won't hurt anything (except your server space). Most of us get into business because we see an unanswered need. We want to help our customers. We've never been sued, and never expect to be.

However, it could very well happen. Let's say that, after exercising superhuman patience, you fire Joe Screwup. You could not have treated Screwup better, but, of course, he doesn't see it that way. So Screwup sues.

You're not worried. But then you get a subpoena, ordering you to submit any e-mail from the past three years that bears on the case. There's nothing in the e-mail that would affect the case, and Screwup knows it. But you'll have to dig up everything you have, and your lawyer will go through it, looking for relevant material. How many hours, at $200 per hour, will it take her to do that? So you swallow hard and give Screwup $15,000 to go away. You may never have thought about this, but you can bet that the plaintiffs' bar has. Worse, maybe they find an e-mail in which you express intemperate remarks.

Given the potential problems, why save e-mail? Sure, this scenario is pretty unlikely. But 99.9% of your old e-mail is junk, anyway. Why take the risk?

Develop a policy on e-mail retention.  Skupsky recommends a 30-day retention policy. After 30 days, your employees (and you) have to decide if an e-mail is a record. If not, it goes. This has the salutary effect of forcing your employees to think about what a record is, and is not. Attorney Chuck Fine thinks that's a good idea. But he goes further, and chucks (no pun intended) his e-mail immediately.

Don't back up your e-mail. This is no different than keeping it on your computer. If you're subpoenaed, you and your lawyer will have to go through it, whether it's on the computer or on tape. Delete the old stuff.

According to Skupsky, old e-mail is rarely useful to the other side. But if it costs lots of money to go through it, the plaintiff doesn't care. Neither does his lawyer. They have nothing to lose. Discovery is a wonderful weapon to force a settlement.

So I'm cleaning out my old e-mails. No, really! It's difficult, though. I've had them so long, they're like old pals. You should clean out yours, too. We have to be strong about this.

5 Sure-Fire Ways to Make Money Online

There are many ways to make money online today, and thousands of people are earning a substantial income from the comfort of their own homes. How are they making money? With a successful Internet business, of course!

Perhaps you want to earn a part-time income from home or start a full-time Internet business. Maybe you're a mom who wants to stay home while earning a living. Or, maybe you're sick and tired of the "rat race" and want to settle down with your own home business. Whatever the case, you can choose one of the sure-fire methods of making money online below to get started.

1. Offer Services That Other Web Business Owners Will Need

Many people earn money online while offering services that other Web business owners need on a continual basis. These services include Web hosting, domain name registration, web design, and content writing. Every new website must have a Web host, domain name, web designer and content. These services are available everywhere online, but fortunately, there's always room for a few more! Online users are starting new Internet businesses every day. So, the potential for making money online with these services is tremendous.

You can start from scratch with these businesses or find a company that allows you to resell its products and services. For instance, instead of setting up your own servers to become a Web host, you can become a reseller of hosting services and share a part of the profits. With this setup, your primary job is to promote the service. The parent Web host company does the rest.

2. Expand Your Present Business

If you already own a business, you can expand it by using a website. If your company has its own website, your customers can go online to learn more about you, buy your products or ask questions. It's a great way to advertise and build customer trust. Also, you can mention your website address in all your print, television and radio advertising to maximize results.

3. Start a "Niche" Internet Business

Many people start small Internet businesses that reflect who they are or what they enjoy. The word "niche" took on a whole new meaning when the Internet came into existence. A niche business can be anything you want it to be - an online flower shop, online classic car club, online magazine, online clothing store, online shopping mall, online photo stock agency, online candy store, online quilt outlet, or an online shoe store. Choose something you enjoy doing and find a way to build a small Internet business around that theme. And, don't let the word "small" fool you. Owning a small business is a great way to make money on the Internet!

4. Earn Money Online Through Auctions

Don't have time to manage a website? Try online auctions. You can sell just about anything at eBay and other Internet auction sites, but be sure you choose a market that has a strong demand. Some items sell well through auctions, some don't. Also, be sure to choose a product with a high profit margin so you don't lose money each time you list your items.

5. Provide Internet Marketing Services

Online company owners are always looking for effective ways to promote their websites. If you're a savvy Internet marketer, this business offers a tremendous money opportunity for you. You can earn money online while helping others increase their profits. Internet marketing today involves search engine promotion and SEO, Web content and optimization for article pages, pay-per-click campaigns, keyword research, press releases, banner and pop-up advertising, e-zine and mailing lists, and link exchanges. You can specialize in one of these areas or offer marketing techniques for all categories.

These are five proven ways to make money online. Each of these opportunities can provide a steady stream of income if you work diligently to promote your online business and services and always provide excellent customer service. Use these ideas to get started making money today!