• 20Nov

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  • 20Nov

    The definition of finance is the provision of funds or loan supplied to an individual or company. Often this term is used for the study of economics and how money is controlled. It can be also defined as the management of funds and capital required by a business and private activities. Management of finance has also developed into a specialized branch within the financial sector and is carried out by finance managers.

    Managing this involves dealing with the optimization and allocation of funds to various areas either by borrowing or by using those available from internal resources. The word Optimizing may sound strange but it refers to taking measures that minimize the cost of financing while simultaneously attempting to maximize the profits out of the employed finance. Bad debts are poor finance management where rules have not been followed; the result of this is depressed markets, low production and a cash crisis. It is for this very reason that finance managers are very careful with finance they agree too and where it is funded from.

    It is not uncommon to hear finance managers referred to as bean counters as they are looking at immediate returns and initial costs against the potential at a later stage. Finance managers are the pessimists whereas sales managers are the optimists who look to the future and not to the past! Often though, problems occur with small businesses who fail to see the distinction between a business loan and a personal one. Most lenders will cancel the loan if they feel they have been deceived this way because they are unsure what the money is to be invested in.

    Hopefully by educating the small (and large) business owners of their fiscal responsibilities they may build the basis of an improved company in the future. Small businesses can be very flexible, however, and call upon friends, other businesses, family members, even their own bank for finance.

    Finance managers can help improve their company’s profits by using external sources which also lessens the risk on them at the same time. The famous comedian Bob Hope best summed up the subject when he once said; a bank is a place that will lend you money but only if you can prove that you don’t need it.

  • 19Nov

    If you or any of your relative has been accused of any crime, then you need to speak experienced and skilled lawyers including experienced DUI Atlanta lawyers. It is a fact that after finding involved in any case or your name is found in any criminal case, then your future becomes uncertain. Things become critical when you are placed under arrest. Moreover, failure to act in the best interest could result in disastrous consequences for your finances, your family and even your freedom as well. Some of the criminal and other cases include DUI, license suspension, drum crimes, theft and shoplifting, federal crimes, juvenile crimes, sex crimes, misdemeanors, probation violations, firearms and gun offenses, domestic violence and white-collar crimes.

    As far as juvenile crimes are concerned, they can convert the entire life your children. Therefore, it is important to seek immediate solution for them from a reputed law firm. Calling experienced lawyers and attorneys is the first and foremost need, if you or any of your friend, relative, family member or colleague is charged against any case. Leading law firms not only provide you legal advice and assistance, but also provide you some added services. They take your needs to seal or remove your criminal records very seriously. They understand the impact of record, even when not convicted. Apart from this, they also make on your professional and personal life. However, before hiring the right professionals, it is also important to keep some essential points in mind. You should ensure that the professional lawyers are from a registered and reputed Atlanta law firm.

    Find the Right Atlanta Criminal Law Firm to Get the Right Solution in Criminal Matters

    Among a number of acclaimed law firms in the United States of America, the name of Rayasam Law Firm P.C. comes on the top. Having been on the forefront for last many years, the leading Atlanta criminal law firm is all set to exclusively help clients handle criminal legal matters successfully. Lawyers at this leading firm work with the same approach to each case along with focus on specific strengths and challenges of particular case and craft a detailed plan for resolutions. There are a number of added benefits of reaching at this acclaimed site. Find a reputed and registered Atlanta Law firm from where you can hire experienced DUI Atlanta lawyers. The Rayasam Law Firm PC is also one such reputed law firms in Atlanta Georgia.

  • 19Nov

    Website downtime is frustrating. Theres no doubt about it. It causes stress on the part of the website operators and on the part of the customers who are trying to access the site. Stress and frustration, however, are just the beginning of the problem when it comes to unnecessary website outages. For each and every minute that your site is down, that downtime is costing you money. One way to ensure that your sites downtime isnt costing you any more than is necessary is to implement the use of a website monitoring service.

    How Can a Website Monitoring Service Help?

    So how can a website monitoring service help your company when it comes to lost profits? The first thing you need to understand is that when it comes to website downtime, every minute counts. Each minute equates to lost money. How much money you lose depends on how much your website nets each day and what time of the day your site goes down.

    Lets say, for example, that your website makes $15,000 per day and $5,000 of that is between the hours of 3PM and 6PM. This means that between those hours your site is earning approximately $28 per minute. If your site goes down at 2PM and you dont find out about it until 2:15, you just lost $420 before you even know about the site outage. Had you been utilizing a website monitoring service, you would have known the moment that the site went down putting you to work faster to get the site back up and running and saving you lost profits.

    Utilizing a Website Monitoring Service to Keep an Eye on Your Web Host:

    In addition to letting you get to work immediately when your site goes down, a website monitoring service can help you keep an eye on the performance of your web host. If you utilize a website monitoring service and that service notifies you almost daily that you are experiencing some downtime, you know theres a problem that needs to be addressed. Whether that means fixing a bug with your site, upgrading to a better hosting plan, or switching web hosts altogether, at least you will know that something must be done.

    Dont Throw Away Profits:

    Some site owners steer away from website monitoring services because they want to avoid the charges associated with a quality service. The truth is that website monitoring services can actually pay for themselves over time. Using the example mentioned above, that $420 you would lose without a website monitoring service may be more money than you would spend to pay for a service for the entire year.

    Dont be penny wise and dollar foolish. Understand that a website monitor is an investment in the security of your sites profits and make sure downtime doesnt eat away at a large percentage of your bottom line.

  • 19Nov

    Are you an employee who is thinking about a leap? If you are an employee then you might want to start your own business and become an entrepreneur. We all want to have our own business so that we can be our own boss.

    But the first and foremost thing that you need to find out before making the leap is whether you are ready for being an entrepreneur. Do you have the qualities that are required to be a successful owner of a business? Do you have any idea about what it takes to start your own business?

    You need to find out the answers to these questions before you take the final decision. If you have the qualities and the characteristics to own and manage a company then you can surely think of starting a business on your own.

    But if you do not have these qualities then it is better to be an employee rather than the owner till you are capable of gaining thee qualities. The first thing that you need to have to become an entrepreneur is passion.

    Successful owners know what they actually want and they have the enough guts to follow the dream they cherish. Before you start the venture it is very much important to test your passion. The next quality that is important is the unwavering nature.

    The person must have complete belief in him. He must make sure that nothing in this world can dispel the belief. Self motivation is the next essential quality that a successful entrepreneur needs to have. He will not need anybody or anything else to motivate him for the job.

    The other thing that you need to keep in mind is that you need to win at any cost. People who want to become the owners must never learn to lose. Entrepreneurs are those people who take risks. They usually act impulsively; they do whatever they feel in right at the moment.

    Other than this, another good quality that these people need to have is being outgoing. They need to make things happen anyhow. You need to be a good leader because if you are a great leader people will hear you.

    You need to have command over your team. Creativity is the other essential quality of an owner. It is very important to find out creative solutions so that you can solve any kind of business problems with ease.

    This will help you become more successful over the years. Personal sacrifices are also necessary to become successful as an entrepreneur. So you need to find out whether you have these qualities in you if you are interested in owning a business and becoming your own boss.

  • 19Nov

    So you just got a new Mac huh? And now you’re trying to figure out how to make the transition from life as a Windows user to a new operating system. Finding the right personal finance software can be a challenge. If you were using Quicken on your old Windows computer, you’ve probably heard that there is a version of Quicken just for the Macintosh computer. Unfortunately, many of the features found in Windows Quicken. Also, using an emulator (letting you run Windows applications on a Mac) can get complicated and is prone to its own set of problems. So now what to do?
    I suggest looking into Liquid Ledger. This personal finance software solution comes with a robust set of features which can help you track your money down to the last cent. The goal of any good money application is to let you see what you’re spending and what you’re bringing in. Once you determine this, you can make wiser choices about how to budget your money. Here are some features that Liquid Ledger offers:
    * The program saves you time and energy by allowing you to automatically schedule regularly occurring payments. The software will alert you when the payment is due, keeping you from having to remember all those bills. You also have the peace of mind that forgetting a payment is a thing of the past.
    * Create a budget, then compare how much you planned to spend against how much you actually spent. This lets you see your situation all during the month and find out why the money always seems to disappear.
    * Liquid Ledger lets you create powerful reports that let you determine your net worth.
    * If you’re a programmer (or even if you’re not), you can use AppleScript to automatically perform repetitive tasks within the program, saving you even more time!
    * Travel a lot? Need an application that lets you go back and forth between different currencies? No problem! Liquid Ledger seamlessly transfers funds from one account to another in any number of currencies.
    * Liquid Ledger uses bank jargon you’re already familiar with as a customer. This means you won’t be left scratching your head wondering what this or that means.
    * You can print your own checks…how cool is that! As long as you have either a laser-jet printer or inkjet printer, you can use the drag-and-drop GUI to create custom templates.
    * No need to enter data over again from your old OS-you can import (and export) account information in QIF, CSV, and OFX formats.
    Using Liquid Ledger, you can track transactions, keep up with investments, and balance your checkbook, all inside a straightforward user interface that’s a snap to learn. So if you’re making the switch from Windows to Mac, you owe it to yourself to take a look at Liquid Ledger for your personal finance software needs.

  • 18Nov

    You have finally reached a level of income and assets that you need to find a conveniently-located financial advisor in California to get you to the next level of wealth building. Congratulations, because that is a good problem to have. The right financial advisor can not only steer you in the right direction, they can also do something for you that you probably never thought necessary; they can teach you about your own money. Like it or not, you can be, and probably are, your own worst enemy when it comes to managing your money.

    The laws are different on the West Coast, so you are going to want a California financial advisor, not a voice on the other end of the telephone and on the other end of the continent. Beyond very specific advice, here are some general guidelines that will help you find the professional help that is right for you:

    No Commissions

    Right or wrong, consciously or unconsciously, an advisor who works on commission can have their judgment clouded by an individual transaction. Instead, look for an advisor that charges a fee instead of a commission. Do not be fooled by advisors who tout their service as fee-based, which simply means they charge a fee and a commission.

    One resource you can use to find a fee-only or hourly financial advisor is the National Association of Personal Finance Advisors.

    Meaningful Certification

    It comes as an unpleasant surprise to many seeking financial management; the only requirement to be able to legally give financial advice or to buy and sell assets is a passing mark on a test about securities law. If they are going to going to sell insurance, they will also need an insurance license. Just about everything else is mere filler.

    The one designation that still retains meaning is CFP, which means that the recipient has underwent a thorough background check, has passed a comprehensive test covering all aspects of financial planning, and has at least three years of experience in the field. To maintain that rating, they must enroll in continuing education to stay current.

    The Voice of Experience

    The generally accepted length of the financial business cycle is seven to eleven years. Therefore, if you only consider hiring a California financial advisor who has served in that capacity for at least ten years, you will have the advantage of working with someone who has experienced firsthand the peaks and valleys of the investment landscape. When it is your money on the line, a cool and steady hand is what is called for.

    There are risks associated with any investment plan, and past success is not an absolute predictor of future performance. But by following these three simple guidelines, you can maximize your chances of safe and steady financial growth.

    For more information about California Financial Advisor, please visit our website.

  • 18Nov

    Choosing the right office removals company to carry out your office relocation is one of the most important decisions you will make if you want to ensure that your office move day goes like clockwork. In fact choosing the right office removals company can mean the difference between success and failure for your office relocation.

    With so many office removals companies out there, selecting the right one can feel like stepping in a minefield. First and foremost, it requires careful research, making comparisons and taking the time to meet with various office removals companies before finally choosing the right one.

    Heres a quick overview of what you should be looking for when choosing which office removals company to use for your forthcoming office relocation:

    Are they commercial removals specialists? A house move is very different from an office move where time and precision is much more of the essence. Opt for a company who has extensive experience in Office Removals Projects so you know they have the right skill set to handle your office relocation.

    Are they BAR accredited? This means they are regulated by the British Association of Removals and have passed the stringent checks to handle an office move in accordance with BAR guidelines.

    What’s included in their Quote? Make sure you are clear about what their office removals quote includes. Consider issues such as packing, crates, insurance and after-care support.

    Do they offer storage facilities? If your company requires storage during or after the move, its far easier to use the same company who carries out your office removals so that everything can be transported and insured by the same company.

    Are they available? This may sound like an obvious one, but office removals companies do get booked up far in advance – so be sure to check their availability for the date you need to be out of your existing office by.

    Do you get on with the Supervisor? A supervisor from the office removals company will be appointed to project manage your office relocation and be on site to co-ordinate matters in the run up to the move and on the day itself. Its essential that you have a good relationship with them and that they understand your objectives, priorities and are sensitive to any special requirements.

    To ensure you choose the right company and get best value, always try to get at least 3 office removal quotes from companies operating within your local area. This gives you the opportunity to meet with them, discuss your requirements, get an accurate removals quotation and make comparisons.

    Once you have decided which office removals company to carry out your office relocation, ensure you have all your requirements confirmed IN WRITING. It’s then time for you to start planning for the big move day using the Office Removals Checklist from Help Moving Office. Remember to keep in close liaison with your office removals company as they can offer invaluable support and advice throughout the planning process.

  • 16Nov

    These bikes have some very restrictive parts fitted when standard and therefore the first move is to try to remove these parts for better ones. The carburettors and air filters on these bikes mean that fuel and air supply to the engine are limited and therefore the ride will not be as smooth or as powerful because of this.

    The first thing to do then is to buy a new race carb, these can be purchased off some websites for around 40-50, this is quite cheap considering the gain in performance it could achieve. After this has been fitted it is a good idea to derestrict the airflow with a free flow air filter (K&N style). This will add extra horsepower to your pit bike and give a great performance boost.

    The next part which I would change would be the exhaust and manifold, which are again very restrictive to the engines of these bikes. A performance exhaust can be found on some sites for around 50 but can also retail at a few hundred pounds so be sure to shop around first.

    Once these modifications have been made there will be a great power difference increasing low and mid range power as well as top end.

    However there is still more to do in order to get the most out of your pit bike, in pit bikes the CDI unit is often restricted. The limiter on these are usually set around 8,500 rpm which means you will not be getting the most out of your bike if this is left standard.

    A performance CDI unit can be purchased for these bikes which will mean that these bikes can now rev freely up to about 10,000 rpm which will mean smoother power curves and better acceleration and top end.

    Adjustments can be made to the gearing of these bikes as well, in order for you to adjust this depending on the style of track you will be riding on. The best thing to do to change the gearing of the bike is to experiment with the set up of the sprockets. Standard sprockets are usually 14 tooth on the front, with a 37-40 tooth sprocket on the back.

    Changing the front sprocket with a larger one will result in better top end, and a smaller rear sprocket will have the same effect, however acceleration will be lost when top end is gained and vice versa.

    For more information on modifying pit bikes, or for details of parts for sale which will increase the power of your pit bike then visit www.minimotosgo.com and take a look for yourself.

  • 14Nov

    In small business computer consulting, $100 an hour can be a reasonable and livable rate. Why can setting your rates at $100 an hour make all the difference in the world?

    Take the $100 an hour and multiply it by 1,500 hours a year. This is reflecting a 75% utilization rate; or 75% of a typical forty hour work week as billable time. Now youre at $150,000 a year gross.

    Salary and Affordability

    As a small business computer consulting firm, you will want to take a third of the gross and plow it into sales and marketing. Therefore you can afford a $40,000 base salary for your sales account executive. So, of that one third of your gross small business computer consulting income, $40,000 can go to the base salary and $10,000 can go to related marketing expenses.

    Additionally, one third will take care of taxes, insurance and overhead items for the most part, and you have a third of it or $50,000 left to pay a technical staff salary.

    Surpassing $100 an Hour

    You may be considering exceeding a rate of $100 an hour for your small business computer consulting firm. At that point, you can hit what we call the not-so-imaginary-hourly-billing-rate ceiling.

    Needless to say, if your small business computer consulting clients are paying $110 to $125 an hour, it gets even easier to be able to afford really bright, motivated, highly qualified sales and technical staff.

    Higher Rates Equal Bigger Businesses

    However, if you want to charge above $100 an hour in your small business computer consulting firm, youll almost always need to move above and beyond sweet spot small business clients into really large small businesses, medium size businesses and enterprise-sized accounts that require a different business model and technical skill set.

    Once you do that, youre going to be operating under a completely different type of business model. And you will need even more polished and seasoned salespeople to be able to handle those accounts.

    Copyright MMI-MMVI, Computer Consultants Secrets. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

 
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