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Have You Made the Switch from Desktop to Laptop? What You Need to Know…

If you're one of the million who have given up bulky desktop computers altogether for the sleeker, lighter, more versatile laptop, there are a few things you should consider if you haven't already.

First, because they are portable and light, laptops aren't inherently as secure as desktop computers when it comes to theft.  And we're not just talking about coffee shops, airports, college campuses, and the passenger seats of cars (which is where most laptops tend to be stolen).  Even if you're in the practice of leaving your laptop on your desk when you go home for the evening, your risking theft should someone break into your office suite or if a door is left unlocked.  The first thing a thief would do is snatch up all the laptops.  They're valuable, they resell easily, and they're easy to remove undetected.

The answer to this problem is simple.  Attach a lockable laptop drawer to your desk.  We found high-quality models at Versa Tables for under $120.  Constructed of steel, these accessories bolt to the under side of almost any desk and allow for a laptop to be retracted under the desktop when not in use, and locked with a key.  The back of the drawer has an opening to allow the laptop to be plugged in and charging overnight.  While occupying your desk, simply pull the drawer out and use the laptop right there—it creates more space on your desk.

Second, back up your files.  Because laptops are mobile, they are at a higher risk of being dropped, kicked when your laptop case is sitting at your feet, or of having something spilled on them.  While the manufacturers of laptops are well aware of this, no piece of computerized machinery is indestructible.  Back up your files more often either by copying them onto a jump drive or by emailing them to yourself.

Third, be sure to have the necessary accessories at your fingertips.  We suggest an extra battery (kept charged), an approved extension cord, and outlet adapters if you plan to travel.  An additional USB cable is always good in case you need to plug into a printer and lightweight headphones will allow you to use your laptop anywhere (and still hear live streaming video or DVDs) while maintaining your privacy and without disturbing others.

The last thing you need to know is that ergonomically, laptops aren't as well-designed as your desktop computer probably was.  With desktops, most people now use keyboard trays that adjust to the comfortable tilt and height for the user and therefore, minimize the risk of Carpal Tunnel Syndrome and other conditions caused by repetitive motion.  Unfortunately, laptops pretty much just rest on your lap and if put on a desk, do not sit at the correct ergonomic height.  Experts predict that with the increased use of laptops, there will be an increase in repetitive motion symptoms and potentially disabling conditions like CTS.  A way to combat this is to use a laptop desk when working at home or the office.  Laptop desks, often referred to as 'Laptop Carts' because of their mobility, are available on the market.  Simply, they are height-adjustable carts designed to hold a laptop and allow the user to sit or stand while using them.  They don't provide the same ergonomic efficiency as a keyboard at a traditional desk, but they're better than flopping down on a sofa and sitting the laptop on your lap or having to reach up to type on the laptop keyboard at a regular desk.

Male Underwear will always help you to get noticed

There was a time when men used to live in jungles and caves. They used to wander here and there for food. Slowly and gradually men’s knowledge grew and gave them a dipper source to know them better. Men transformed themselves from the way of living naked and hide their lower parts with leaves. They were trying to find something better than this and at last they got male underwear, the next word to be naked.

Presently, men’s fashion has crossed all bars and moved its pace from wardrobe to ramp and modeling stage. You can catch your eyes to different style and color of male underwear that can fit your style and can make you a real male icon. The time is not only in the hands of women only; men have become more cautious about their outfits and well as inner. Every men unquestionably wants to have something unique and stylish as sexy as male underwear.

Now-a-days men have various options for their inner wear. If you want to wear good (http://www.1underwearstore.com/-male underwear)

then first thing that you have to keep on your mind is the material, quality, style and weather conditions. It is advisable to purchase cotton male underwear, as cotton does not irritate the skin. If you are thinking to wear underwear made of satin, lycra or any other fabric then find some those crotch should be made of cotton.

There are a wide variety of male underwear available now and if you are thinking to buy then choose the right one that can suit you good. Many men love to wear standard briefs when at work or at gym, while pumping muscles. But other prefers to wear boxer briefs, which they feel are really comfortable. Male underwear will always be in the trend and will always help you to get noticed.

Panama Vessel Registration

Panama's Ship Registry is number-one worldwide in popularity due to the ease of use and very low registration taxes and fees as compared to other countries throughout the world. Marine vessel registration in Panama is widely used by international shipping companies due to the numerous advantages.

At the time of registration all vessels must pay a one-time enrollment fee, based on a variable scale, plus a government fee. Registration of the bill of sale is $0.20 per net registered ton or fraction thereof, plus 20% surtax. Annual tax is $0.10 per net ton, plus other charges.

Liberal labor laws concerning Panama flag vessels are also an important consideration, and income earned on international shipping activities are specifically and expressly exempted from Panama income taxes.

Yacht Registration

It is possible to register recreational yachts in Panama. This has a different pricing structure than the ship registration described above. The registration certificate is issued for a two-year period, which is renewable after this period.

Applicable Registration Tariff:

* $1,500.00 - if owned by a foreigner

* $1,000.00 - if owned by a Panamanian (or a Panamanian corporation which is a nominal expense to arrange)

This tariff must also be paid upon renewal of the Registration.

Documents required for Registration:

1. Sale & Purchase Agreement, Bill of Sale - or if the yacht is newly built, then a Builder's Certificate

2. Power of Attorney

3. Deletion Certificate from previous registry (or Builder's Certificate if brand new)

Please note: you must also comply with the Radio Operator requirements, in order to register the yacht in Panama. If the yacht is more than 20 years old, then it will also be required to undergo a survey and safety

inspection.

Anonymous Yacht Ownership - What is done is the yacht is purchased in the name of the Panama bearer share corporation. The ownership of such a corporation is anonymous in that no ownership records are in any database or registry. Thus if the yacht is owned by the corporation which is anonymous, the yacht ownership is anonymous. The nominee directors and your law firm (us) can handle the transaction for you completing all paperwork. We can wrap additional layers around the boat by having the Panama Bearer Share Corporation owned by a Panama Private Interest Foundation which is also anonymous, yet controllable by you. There are a number of different strategies we can employ to keep the ownership of your vessel anonymous and confidential as a tool to protect you from kidnapping, extortion, criminals and to keep your affairs private in general. Panama excels in privacy. Unfortunately financing with conventional lenders does not work with anonymous ownership strategies. If you were wondering when it comes time to sell the boat you basically just sell the corporation which owns the boat leaving the boat ownership in tact. There is no requirement to report new owners of Panama corporations.

To learn more about Panama Corporations click here:

http://www.panamalaw.org/bearer_share_corperation.html

To learn more about Panama Foundations click here:

http://www.panamalaw.org/panama_foundations.html

Two Yacht-Based Panama Residency Visa Approaches

Because your yacht is owned by a Panama anonymous bearer share corporation and your investment is over $150,000, immediate residency is granted. You must have 3 full time Panamanian employees along with your company, which is easy to do with the standard minimal wage at $253 a month for crew members. This would be under the so called inversionista (business investor) program. However, if you invested $200,000 or more you could qualify under the solvencia economia propia program (person of means visa) and not even have the requirement of hiring at least three Panamanian crewman, since it can be easily argued that you are buying a home, albeit a moveable one. This latter probably would require investing in a full time moorage at a Panama port which would become your home away from home.

Full residency with a cedula is granted after one full year of holding the provisional residency card and after 5 years full citizenship is granted! (Click here for more details in our Panama residency section on these two visa classifications).

Methods Of Saving Money

One saves for several reasons such as for a college education, buying a new car, for a new TV set you wish to acquire in three to four months time, for down payment on a home, or to provide for yourself when retirement comes.

As much as there are several reasons for saving, there are likewise many methods in which one can save. In most instances, the best method can be determined by whatever plans you have for the future.

1.     Savings accounts. When saving for just a short period or for emergency purposes, consider opening a savings account passbook, as it is in this method that you can easily gain access to your funds.

Great for both long and short term savings, you can deposit and withdraw money to your account and earn interest, based on your average daily balance. A minimum balance is required to be maintained though, and you are charged with a penalty should you fail to maintain it.

2.     Checking account with interest.  Here one can benefit from checking account conveniences, while your deposits gain interests. Generally these types of accounts grants privileges such as limitless withdrawal and check writing, access to ATM and bill payments that can be done online.

This method typically requires a daily maintaining balance of at least $2,000.

3.     Money market insured accounts. For long-termed goals, this method is ideal, as it generally offers a much higher rate of interest compared to a regular or standard savings account.

The interest rate usually is dependent on the amount of money in your bank account; larger balance means higher interest.

4.     “CD” or Certificates of Deposit.  This is a savings method requiring you to “loan” your money to your financial agency for a certain time frame, usually ranging from thirty days up to five years. Here, the longer the time span again, means higher interest.

Keep in mind that usually insurance companies offer better deals on interests compared to banks, so before you invest, compare rates first!

At certain times, when your goal is many years away, it can be a wiser decision to save money in a certain way that you are not drawn on using it other than the main reason for saving it. Deciding on the right financial agency such as a bank, credit union or insurance firm can bring about a lot of benefit in your finances.

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5 Ways to Stay Motivated in Your Work at Home Business

Whether you're just starting out with your work at home business or you've had a home business for many years, you'll need to stay motivated if you're going to see continual success. Everyone goes through a home business slump occasionally, but it's those who stay motivated who will reach their goals. Here are five simple ways you can stay motivated in your work at home business.

1. Work from a List

Create a daily, weekly and even monthly list of things to do in your business. This sounds so simple, but yet a "to do" list is a powerful tool in helping you accomplish home business tasks. Prioritize your list each day so you can do those things that are most important first. If you have tasks that you absolutely dread, then put those tasks at the very top of the list if possible. This will give you a free mind for the remainder of the day to concentrate on the tasks you enjoy.

A list can consist of many things, from promotion steps to phone calls to make, and even a stack of papers that must be organized on your desk. Most successful business people create a list and then check off items as they are completed. This gives a sense of accomplishment throughout the day as you complete tasks.

2. Search for New Opportunities during Slow Business Times

Having a slow time in your work at home business? Don't despair. And, whatever you do, don't go apply for a job at the local fast food chain - just yet! Stay motivated by seeking out other home business opportunities that may tie into your current business.

Perhaps you offer a product or service that sells very slowly during the spring months. You could seek out related products or services that would be popular during those months to offset the other in profits. This will give you a chance to make money and enjoy multiple streams of income year round!

3. Take an Online Training Course for Better Education

Educate yourself through online training courses related to your field so you can learn how to maximize your skills and profits. There are many training courses available online today in the fields of web design, graphic design, online marketing, real estate, travel, office skills, medical, insurance, and finance.

With online training, you choose only those courses that will benefit you and your work at home business. You can usually take the courses at your own leisure from home, and will pay far less than you would for a college course.

4. Expand Marketing Avenues

Don't settle for less. Use the wisdom and experience of others who have been in business a while to expand your marketing avenues. You might consider reading after top marketers to get Internet marketing ideas. Also, there are many ways to promote your work at home business off-line.

To stay motivated, always test your efforts to see what results they bring. This is far more exciting than paying for ads and never knowing if they work or not!

5. Network with Others

Another way to stay motivated during a business slump is to network with others. Find others in related fields who can offer advice and encouragement about your business. A work at home business can be lonely at times because you never leave the house! Finding others online and off-line who do the same thing will give you an outlet for those lonely days.

Use these tips to stay motivated in your work at home business. You deserve success, so don't give up!

Why Fear To Sell .. How You Can Overcome It” (Part I)

In the first article we looked at how many first time (and experienced!) sales people can be held back from achieving success because of the fears they may have on getting out there and selling.

In the previous article I highlighted 6 main selling-related fears: failure; image or self belief; rejection; lack of product knowledge; criticism; presentation. Each of theses fears on their own can cause a breakdown in the sales process and prevent you from confidently tackling another prospect.

In this article I will look at how you can address these fears head-on; what you can do to face your fears and banish them for life!

Fear of Failure

Undoubtedly the biggest fear most people in selling, and business have is the fear of failure. There is nothing more demoralising than a continual lack of success! Fear of failure has been ingrained from school – remember all those tests when the results were read out for all the class to hear? If you had a poor result, you never felt like trying again! But, don’t be like Homer Simpson when he tried to consol his son Bart who had failed in his bid to be class president,

“You tried and you failed. The lesson is … never try.”

So, what can you do to conquer your fear of failure? The bottom line is that you need a rock solid positive attitude. You must have an inner voice which is continually pushing you onto the next prospect and saying, “Come on, let’s find the one who’s going to say yes!”

Failure has to be seen as a learning opportunity. In every failure, there is a nugget of information, which next time, can point you in the direction of better success. James Dyson, the inventor of the revolutionary vacuum cleaner, summed up the need for a positive attitude, when he said, “Success is made up of 99% failure. You galvanise yourself and you keep going as a full optimist.”

Image Fear

Not everyone has boundless self-confidence. When you start out in business, there is sometimes a nagging doubt that you may have bitten off more than you can chew. This inner doubt chips away at your self confidence and soon you have a poor self image, which reflects in your sales pitch. To be a successful salesperson you have to have a strong self image.

To improve the image you have of yourself, follow these steps:

Write down the qualities which you believe a successful salesperson should possess. Try and limit the list to 4 or 5 key qualities

Find a quiet spot and relax your body and mind with deep and steady breathing

Once you are totally relaxed recite the strong, self image qualities you identified earlier

Imagine or visualise yourself possessing each of these qualities. See in your minds eye how you look, now that you have these qualities. See how successful you are, how you look, and the car you are driving, where you are living

Repeat to yourself that you are assuming each of these qualities and becoming a better person with each day that passes

Repeat this exercise first thing in the morning and last thing at night and you’ll soon find your self image and confidence levels increasing!

Fear of Rejection

Closely linked with the fear of failure is the fear of rejection. Hearing the response “No” is not a great motivator! The main way to deal with rejection is just to accept that it happens. Try and re-frame any rejection you get by saying to yourself that it’s the customer who loses out, not you. Walk away with a smug smile on your face and remind yourself that you are one step closer to someone who will say “Yes”.

Product Knowledge Fear

A lack of in depth knowledge about your product or service quickly finds its way to making for a poor presentation. There is only one solution … and that’s to get learning! Absorb yourself in the product. Understand all the features and benefits, so that you can confidently talk about all aspects of your offering. Banishing this fear is one of the easy ones to put right.

Criticism

No one likes to be criticised, especially if you have tried your hardest. Unless you are very thick-skinned, harsh criticism can knock you back. If you carry out the exercises on improving your self-image, your ability to take criticism will also improve. Decide to view criticism more as feedback than a direct attack on you. There is usually some element of truth in the majority of critical comments and it’s important that you take the opportunity to learn and change.

Presentation Fears

You may know all the features and benefits of your product but, like an actor, you suffer from stage fright! The presentation fear can be down to a lack of structure around your sales process. Write a basic outline on how you wish a perfect sales pitch to go. Prepare a script for the key parts of the presentation and rehearse, rehearse, rehearse!

Why not ask someone to help you role play a sales presentation? This will give you the opportunity to make all the mistakes you want but in a risk-free environment! You should also visit your local Business Link office and see what courses they are running on sales skills. Look out for books and tapes on effective selling. All of these actions will assist in improving your confidence and result in a more professional sales presentation.

Selling does not have to be a fearful experience! If you have the right attitude, a strong self belief, a full understanding of your product and plenty of practice, then you will have nothing to fear. So, take a look at each of these fears and put a plan in place to tackle them today!

How to Genuinely Enjoy Cold Calling

Five perspectives that will (honestly!) create enjoyment in your cold calling

Most of us dread our days of making cold calls. We take a deep breath, pump ourselves up, and prepare to talk with a perfect stranger. Is there any wonder a gray cloud sometimes hangs over our desk?

It really doesn't have to be this way. Cold calling can be an interesting, intriguing, fulfilling adventure.

Here are five perspectives that will give you an entirely new outlook on cold calling. When you apply these new perspectives, cold calling can actually be enjoyable. It can become personally fulfilling as well as financially rewarding.

1. Focus on Helping the Other Person

It’s against our nature as human beings to create an uncomfortable situation with another person. That’s the core reason many of us get that knot in our stomach when we start dialing a cold call.

When we’re only focused on making the sale, this is not a natural meeting place for both people. We want the sale, but the other person usually wants us to go away. Being intrusive is not the finest of character traits, and on some level we know it.

So how can we feel good about cold calling? We change our mindset from getting the sale into being helpful. We look at cold calling as an opportunity to assist.

How can we possibly feel uncomfortable doing that? Helping people is one of the best character traits we possess.

When cold calling is aligned with our very best way of being, it becomes an adventure. We truly want to help people. We feel very good about this, and it shows in our voice. People hear it. And their response will surprise you.

2. Be Honest and Truthful

You’re in a very good place when you choose to be truthful in your cold calling. If you’re not trying to fool anyone, you naturally feel better about making the call. You know that you’re trustworthy. And people respond to you in a positive way.

When you approach a potential client with integrity and common sense, you’re more personable and less tense. Being fully honest is one of your better attributes. And it gives you an opportunity to enjoy the interaction rather than being artificial or manipulative.

People do seem to have a sixth sense about integrity. When they feel you can be trusted, you can truly shine as a person as well as a potential supplier.

3. Be Yourself

Engage people in natural conversation. The more natural you are, the more comfortable you will feel. This makes the other person feel more comfortable as well.

Avoid playing a role, especially reading from a script. Most people can tell when you’re using a script. There’s nothing personal about it, and they pick up on that.

Being artificial puts you in the "typical salesperson" category, which is exactly the role most of us detest. It doesn’t feel authentic. And unless you’re a born actor, it makes you feel skittish about cold calling.

Give yourself permission to follow the rhythm of natural interaction. Allow the conversation to "breathe." Let it be the kind of conversation you would have with a friend.

Practice this and it can turn your cold calls into pleasant conversations. And you may actually look forward to meeting that new person the next time you pick up the phone.

4. Get into the Other Person’s World

Shift your mindset away from what you have to offer and focus instead on what their problem is.

So many of us have been trained think about our services and products, that we don’t think about the client’s point of view. We aren’t really interested in their issues and how we can help solve them.

Be interested in their world and their challenges. You’ll find this intriguing. Most of us have a natural flair for problem solving. We enjoy "fixing things. "So find out what’s going on with the person you’re talking to.

Make sure the solution you have really does "fix it. "Get rid of any hidden agendas and truly listen. Let them know you’re interested in them and their world.

Move outside your own sales agenda to focus on the needs of others. This makes you a better human being and helps you leap past the fear of cold calling.

5. Let Go of Expectations

Never assume anything beforehand. Allow the conversation to be one of exploration and discovery. Stay focused on the dialogue instead of any private agenda.

Determine whether it makes sense to continue the conversation by truly listening. Never presume your prospect should buy what you have to offer, even when it seems they’re a perfect fit.

You are not calling to create a situation that is focused on your personal gain, but on helping the other person. Simply have a conversation to explore whether you can help them in some way. This takes pressure off both of you. You’ll be more relaxed and they’ll be more honest about where they stand.

Believe me, once you start applying these perspectives it will transform your day-to-day work life. Instead of dreading cold calling, you’ll anticipate the adventure of creating a situation where everybody wins.

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