Be Careful And Choose A Reputable Lender, When You Are Considering Getting A Payday Loan

All lenders and financial institutions have formal and strict regulations they must follow in order to continue operating within the financial industry. Payday lenders are part of this group and they must adhere to the same regulations too. These rules are there to protect the consumer and ensure the lenders are operating fair lending practises.Unfortunately not all lenders offering short term payday loans are meeting these standards, or following the regulations. Be very aware of which lender you choose if you decide to apply for a payday loan.Unscrupulous lenders are not easy to spot. They also have very cleverly designed websites and online applications so you need to really look into their reputation and check all the small print in their terms and conditions before you commit to borrowing anything.Sadly there are still hundreds, possibly even thousands of people who fall prey to these less than honest lenders. They surprise borrowers with hidden fees, apply extortionate interest rates and harass the borrowers, even after the loans are repaid.Spending time looking online for information, customer reviews, speaking to the customer services teams of lenders, and asking questions about their loans, will help you identify the best lenders with the highest reputation.Once you have identified two or three good lenders you will be able to narrow it down to the best option for you with no trouble. All you have to do is compare the fees and interest rates, look at their lending criteria and figure out which loan best suits your needs.Reviews are an excellent way of determining which lenders have a good reputation as honest, and reliable lenders.Do not rush into a loan agreement if you come across a lender who attempts to ‘sell’ you a loan. This is against regulations. Potential borrowers must never be harassed or cajoled into borrowing money. If this happens to you, you have every right to report the lender.A good lender will take excellent care of you and your information. They will not call you all the time, and they will always make it clear how their short term payday loans work, how much a loan will cost and when it must be repaid in full.Just like banks, Payday lenders are professional financial organisations who take their job seriously. These are the types of payday lender you should choose to do business with. They will be able to professionally process your loan application quickly so that you can access the emergency cash you need, with the minimum of stress and fuss. Then, when you receive your next wage, the loan will be repaid in full.A good lender may keep your name on record and contact you occasionally, in case you need another loan in the future, but they will not harass you on a regular basis, attempting to encourage you to borrow more and more. If a lender does this to you, you must complain, it is not acceptable according to the regulations.Points to remember if you need a short term payday loan:
• Do your research carefully and consider what type of loan is best for you and how much you need to borrow.
• Consider three or four lenders so you can have a good choice to look at. Compare their loans, interest rates and conditions before you make your decision.
• Do not let a lender pressure you or harass you in any way. This is unacceptable practise and should be flagged up if you experience it.
• Be careful about how much you are borrowing and the purposes for it. Short term loans are for emergency cash needs only. They should not be used to deal with longer term debt problems or low income problems.
If you can follow these recommendations, you will be able to access short term cash using a payday loan, with no problems at all.
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Wellness Coordinators – Knowing and Maximizing The Value Of Worksite Wellness Programs (Important!)

Employers want to know the value being delivered by their worksite wellness and wellbeing programs. And you do want to know how much value your program is delivering, right?Unlike research methodologies, there is no practical “gold standard” by which to measure the value derived from a worksite wellness or wellbeing program. Typically, programs have been measured by their ROI (return-on-investment) specifically related to healthcare cost savings and maybe absenteeism and/or presenteeism cost savings. But it is important to note that ROI is just one type of financial measure and money is only one measure of value.Value determination is based on knowing how the various evaluation strategies and metrics fit within specific organizations, different sized employee populations, available data and the type and amount resources available for program evaluation. It is important to remember that the worksite wellness value proposition includes value for the employer, as well as value for the employee. The employer value proposition is the value proposition most commonly promoted today.When it comes to measuring the potential value delivered by a worksite wellness program, the following value domains may be applicable:• Financial outcomes• Health impact• Participation• Satisfaction• Organizational support• Productivity and performanceFinancial OutcomesFinancial outcomes are usually key measures for employers in all types of areas, not just employee health and wellness. Therefore, financial outcomes measures should never be overlooked when the data are available to calculate them.The current belief is that by improving employee health status or by reducing employee health risks, wellness programs will produce a positive ROI from resulting savings in healthcare spending. More often than not though, the savings are not really savings in relationship to current spending, but more likely the avoidance of future costs due to the prevention of future events. So there is actually no cost savings, just future cost avoidance.The financial outcomes can be broken down into the following metrics:• Direct dollar based claims savings• Savings impact on the various rates of medical costs associated with wellness sensitive events that are potentially preventable by wellness related programming and interventions• Financial impact based on a model that links changes associated with the program with published evidence and/or with claims-based studies of prior program years or with the results from a vendor’s book of business. This strategy is commonly referred to as modeled savings.When it comes to financial outcomes, it is important to understand leading and lagging indicators. Leading indicators can show whether or not the program is likely to produce savings in the future. It is also important to identify what constituted the savings drivers?Health ImpactWellness program impact on employee health can be measured through:• Physical health related diseases and conditions• Mental/Emotional health related diseases and conditions• Health related behaviors• Health status (biometrics such as blood pressure, height, weight, etc., and chronic condition management)• Health measures related to risk statusParticipationParticipation relates to the contact of the employee with the wellness program. Positive health outcomes have been found to vary depending upon the number of contacts and the nature of the intervention or activity offered.SatisfactionSatisfaction with the wellness program can be measured at the level of both the employee and the employer. Typical satisfaction metrics include:• Overall program satisfaction• Satisfaction with program’s effectiveness• Satisfaction with the scope of program’s interventions and other offerings• satisfaction with program accessibility, convenience, program content, staff and tools• Satisfaction with the program’s communication strategies and materials relevance• Satisfaction with the participant experience• Satisfaction with the level of tangible and intangible personal costs of the program• Satisfaction with the benefits and value received from the programOrganizational SupportOrganizational support measures the degree to which the organization creates ba positive, supportive and caring employee experience and supports the health, wellness and well-being of its employees. Measures in this domain measure the work environment, climate and culture and how they influence employee engagement, the shaping of employee behavior and employee health, wellness and wellbeing.Productivity and PerformanceThese measures examine the effects of health and illness on work outcomes. Typical metrics include, absenteeism, presenteeism (productivity loss while at work), productivity and employee turnover (recruitment and retention). Some of these measures will be financial, while others will be of a non-financial nature. Another measure would be to measure the gap between the employee’s optimal performance and their actual performance.While the field may have relied on an ROI measure in the best to establish value, ROI alone is inadequate and incomplete as a measure of value. This article demonstrates that the value proposition of worksite wellness programs is certainly greater than any one measure, especially ROI alone.

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Project Management 2.0 – The Ultimate Benefits Of The New Approach To Project Management

NEW OPPORTUNITIES FOR BUSINESSES BROUGHT BY ENTERPRISE 2.0The social network phenomenon has already transformed the consumer Web into so-called “Web 2.0.” Now Web 2.0 is affecting business processes in thousands of organizations by offering incredible communication and collaboration opportunities known as “Enterprise 2.0.” “All these things that are thought to be consumer services are coming into the enterprise,” says former Oracle Corp. President Ray Lane, now a general partner at the venture capital firm Kleiner Perkins Caufield & Byers. Major corporations all over the world, such as IBM, Procter & Gamble, and Walt Disney, have embraced Enterprise 2.0 technologies. We are witnessing the transformation of traditional ways of doing business, and this transformation is caused by the new-generation applications.The term Enterprise 2.0 was coined by Andrew McAfee, an associate professor at Harvard Business School, in spring 2006. Professor McAfee introduced this term to describe the use of emergent social software platforms within companies, or between companies and their peers (partners or customers).Through the adoption of wikis, blogs, collaboration planning tools, social networks, and other “weapons of mass collaboration,” as Don Trapscott calls them in his book Wikinomics, collaboration patterns are changing in today’s organizations. Enterprise 2.0 software and business practices provide managers with access to the right information at the right time through a system of interconnected applications and services. Examples of thousands of small companies as well as giants like Microsoft, Toyota, and many others show that Web-based Enterprise 2.0 applications let businesses obtain a huge competitive advantage in the form of enforced innovation, productivity, and agility through access to the collective intelligence of many professionals.Efficient gathering and sharing of information, facilitated social connections within enterprises, and improved customer interactions are not the only benefits that Enterprise 2.0 software delivers to small companies and huge corporations. Let’s see how these tools can help to manage projects.THE NEW APPROACH TO MANAGING PROJECTSThe Enterprise 2.0 movement is naturally affecting and captivating project management in organizations. Blogs, wikis, and other second-generation tools offer better opportunities for communication and collaboration. Thus they provide a great potential for improving existing project management practices.Traditionally, a project manager is the major link in all project-related communications. This directly influences the efficiency of the team, as well as the manager’s own productivity. Nowadays, many companies still utilize Microsoft Excel spreadsheets or traditional project management applications, like Microsoft Project, for tracking their projects. E-mailing text documents and spreadsheets is still very popular, despite its many shortcomings.E-mail is a closed communication medium, and many companies confirm that it does a poor job of capturing and sharing knowledge. For example, if you e-mail a document to two people, you then have three copies of this document to manage, merge, and differentiate. It is hard to work on this document simultaneously. This is not the only problem. Knowledge is buried in e-mails, as it is available only to the sender and the recipients, so all the other team members cannot benefit from it. For example, if an employee e-mails a status update to his manager, the change will only be visible to other people after the manager manually updates the schedule. This produces unnecessary work and delays the exchange of information. There is little visibility and control over the project if all information is buried in thousands of e-mails residing in employees’ mailboxes. The list of disadvantages could go on.Traditional project management tools are not focused on collaboration, either. They were mostly designed with the top-down approach in mind and are not meant for open collaboration. These tools are focused on a project manager and make him the core element of the project communications. He first has to pull facts out of employees through meetings and e-mails, then put them into a file and communicate the project plan to upper management and clients. The process is then repeated every time something changes. The project manager also needs to play the role of an alarm clock, reminding employees of their deadlines and overdue tasks. The whole process turns out to be time-consuming and effortful, and it results in a heavy burden for a project manager. The amount of routine work sometimes does not leave the manager time for leadership.Enterprise 2.0 technologies catalyze innovations in project management. These innovations can be called Project Management 2.0. The term highlights a new approach to project management, characterized by a dramatic shift toward having collaboration as the heart of managing projects. The new-generation tools take care of the routine part of a project manager’s work: reminding team members about deadlines, merging status updates into a single plan, and communicating changes. New tools also let people collaborate and share information easily. The role of the project manager is changing; he is becoming a project visionary, instead of a taskmaster. New-generation tools give him more space for being a project leader.What makes the new technologies so effective? I will list the five key benefits below.Making It Simple to CollaborateOne of the major constraints associated with traditional project management software was its complexity. Traditional tools have hundreds of features, which take months to master. Adoption of traditional project management software is often connected with spending a lot of the employees’ time and the company’s money on training. In contrast, the second-generation project management tools are lightweight and easy to use. They provide an opportunity to start collaborating immediately, without any delays for extensive learning and initial set-up.New project management tools can be easily utilized even by unskilled computer users, making it possible to involve more people in project collaboration. A well-known example is blogging. It is very simple to share ideas in a blog and get feedback in comments. Simplicity drives adoption. When people like the software, they use it more often.New software tools provide a much better user experience, which helps to solve one of the biggest challenges of traditional software packages. One of the major problems with traditional tools was the users’ unwillingness to update data regularly. Plans often got outdated and became useless because of that. New tools are much more convenient to use. For example, they let you create tasks in the system by sending e-mails from their Blackberry devices. This level of simplicity and convenience engages users and thus helps to keep information up-to-date. This is a critical component for successful project management software implementation. The power of new tools comes to the surface when they turn simple actions of individual users into a great product of collective work. In Enterprise 2.0 terms, it is called collective intelligence and emergent structures.Collective intelligence is the capacity of human communities to evolve to higher order complexity and harmony, through differentiation, integration, competition and collaboration. In other words, it is a form of intelligence that emerges from the collaboration and competition of many individuals. This notion is closely connected with the term “emergent structures.”Emergence is a way complex systems and patterns arise out of a multiplicity of relatively simple interactions. In plain terms it is a form of collective behaviour, when parts of a system do together that they would not do by themselves. Therefore, emergent structures are the structures that appear as a result of multiple, relatively simple interactions of a number of individuals. The interactions are uncontrolled, but are purposeful.Together these two powerful principles make project management 2.0 tools powerful instruments for improving teams’ productivity.Taking Advantage of the Wisdom of the Whole TeamThe new-generation, Web-based tools give team members an easy way to contribute to the common repository of tasks and plans. These tools unleash the power of collective intelligence and change the pattern of project management.In his book The Wisdom of Crowds, James Surowiecki states that “groups are remarkably intelligent and are often smarter than the smartest people in them. Groups do not need to be dominated by exceptionally intelligent people in order to be smart.” He also stresses that “decentralization’s greatest strength is that it encourages independence and specialization on the one hand while still allowing people to coordinate their activities and solve difficult problems.”With the new technologies, people get a more efficient working environment where they can gather and share knowledge from different fields that each project team member is an expert in. The project manager guides the team’s work and chooses the right direction, based on the information received from the individual employees. The tools even help the manager to merge this information, turning an e-mail mess into well-organized timelines.At the same time the new-generation tools let project managers control changes and the progress of the project work. Reporting is highly automated on all levels, including corporate executives, who get their view of the project automatically.The reports are pulled on the fly from real data, so they are up-to-date. All these factors boost the team’s productivity and help the company make the right decisions at the right time.
Collective intelligence goes hand-in-hand with emergent structures, another practice that has a great impact on contemporary project management.Many-to-Many Structure BenefitsMicrosoft Project and many other traditional management tools allow you to have only a strict, one-to-many work breakdown structure of tasks (and other similar items). This creates several negative consequences. First, there can be only one view of the project, while in real life there might be a need to have many different views of the same project. Project marketers, business analyst, engineers, and testers might want to slice the project in different ways. Often, the same person needs different slices – for example, by release and by feature. This inconvenience makes the software less usable and thus people become hesitant to check plans and update them regularly. On one hand, these factors lead to obsolete and useless project plans. On the other hand, the necessity to select one work breakdown structure greatly increases the cost of mistake for the project manager.The whole process becomes very tricky and requires a lot of up-front thinking, predictions, and responsibility for the project manager.Project management 2.0 tools have fewer restrictions. They let structures emerge, without strong central control. These structures are born from lots of little interactions that are designed to solve specific problems. For example, collaboration planning tools, like Wrike allow work-breakdown structures to emerge from the bottom up. What employees design as the best work-breakdown structure for their tasks becomes a part of a bigger picture seen by the manager.In these tools hierarchies are many-to-many, in contrast to the one-to-many hierarchy in Microsoft Project. This effectively means that you can pick any reasonable sub-set of tasks, create a view and share it with someone who needs this view. It is not like all-or-nothing sharing of a file. At the end of the day more people can collaborate. As the new tools allow team members to make changes to the initial structure simultaneously, more people can organize and reorganize their views, and more structures emerge. The resulting structures fit project participants much better than one stiff work-breakdown structure.This agility helps to bring iterative and incremental practices into project management without giving away the control.The project manager’s job becomes more about coordination and guidance than routine manual updates, and the whole team can react to changes much faster.Project management 2.0 tools allow you to start with one task, add twenty more, organize them, add more tasks, reorganize them, and repeat the process on a daily basis by many or your employees and managers. When seven employees share their daily to-do lists with a team leader, the team leader gets a bigger picture. When five team leaders share their teams’ plans with project managers, a picture gets bigger. When it goes through directors and the vice president to the CEO, the whole structure evolves from what was one task into a big ecosystem that perfectly suits the organization. All with a help of very simple tools and very powerful principles that stay behind those tools – collective intelligence and emergent structures.Empowered by emergent structures and collective intelligence, project managers can combine field knowledge coming bottom-up with the guidance coming top-down. There is also a significant benefit for executives: emergent structures emergent allow you to get complete visibility that bridges the gap between strategic corporate plans and daily to-do lists of employees. Getting the Bigger Picture
Full insight into what is going on in the organization is vital for aligning internal business resources with the requirements of the changing environment. For example, if we speak of software development, the bug fixing schedule may affect the next release schedule. The next release schedule in its turn may affect the marketing campaign, which may affect sales plans. Sales plans will naturally have an impact on financial plans. Having the whole picture helps corporate executives to make a better choice for allocating internal resources when there is a need to react properly to the changes in the business environment. Project management 2.0 tools empowered by emergent structures and many-to-many hierarchies are naturally able to provide this big picture view. Emergent structures help to turn separated strategic plans, quarterly plans, project plans and daily to-do lists of team members into one business development master plan. Many-to-many hierarchies let corporate executives see each project and their whole organization from different points of view. These two powerful principles allow managers to drill down to each team member’s tasks and follow the work of the whole enterprise at the same time.
When project managers can easily view every detail of their project development, and corporate executives are able to use their business resources most rationally, projects bring value faster.Productivity BoostWith new tools, project managers save hours on routine operations related to aggregating the information from e-mails and meetings and keeping it up to date. Reporting is simplified on all levels, as part of it can be easily achieved by sharing the related part of the collaborative workspace. Second-generation project management software gives every team member an opportunity to be aware of the changes in the project without unnecessary meetings, e-mails, and phone calls. The collaboration becomes much faster and much more productive. It results in faster project delivery and faster return on investment.To start innovation and improvements in your organization is easy. As was already mentioned above, new tools are very user-friendly and easy to adopt. You just have to pick the right ones.PROJECT MANAGEMENT 2.0 TOOLS: A NEW COLLABORATIVE SPACEPerhaps the most popular of the new-generation applications that companies can benefit from are blogs, wikis, and collaboration planning tools.BlogsBoth internal and external use of blogs can be advantageous for a project. The major benefit of internal blogging is that it gives the opportunity to facilitate direct communication between various layers of an organization. Blogs allow team members who otherwise would not have been aware of or invited to participate in a discussion to contribute their expertise. Thousands of companies now use blogging tools like Blogger, LiveJournal, Typepad, Movable Type, WordPress or Radio UserLand. For example, British Library and University College London collaborate on a project called the LIFE (Lifecycle Information for E-Literature) through a blog. A blog is a way for these two organizations to work together more efficiently and keep all the project information in one place.External blogging helps to encourage the strongest community goodwill, and this goodwill, in turn, promotes significant marketing and sales gains. Thousands of companies are already reaping the rewards of their investment in external project blogging. For, example, companies like Microsoft, IBM, Google, Sun Microsystems, and SAP write project blogs on a regular basis. The number of non-technology organizations that have their own project blogs is rapidly growing, too. One of the most prominent examples is the From Edison’s Desk blog – a blog for the GE Global Research project. It offers an opportunity for technology enthusiasts around the globe to discuss the future of technology with top researchers from one of the world’s largest and most diverse industrial research labs.WikisA wiki is another technology that can be successfully applied to managing projects. Its basic advantage is that it lets users to create, edit, and link Web pages easily. Wikis usually have very few restrictions, thus they tend to accumulate a shared knowledge that was traditionally kept out of stiff corporate enterprise software and intranets – the knowledge that was usually buried in e-mails. A good example of wiki usage would be Dresdner Kleinwort, the investment banking division of Dresdner Bank AG that gained an e-mail traffic volume reduction by 75%. They also slashed meeting time in half. Another example is a Linux-based operating system called Fedora, which uses a project wiki to bring the end user’s point of view into the product development. There are a lot of wiki solutions that are be successfully used by many companies. The most well-known is an open source wiki called MediaWiki, the one that is used by Wikipedia.Wikis and blogs are good generic tools that can help to share knowledge much more effectively than e-mails. To gain visibility and control over operations, companies also need to empower their managers and employees with a collaborative planning solution.Collaboration Planning ToolsNew collaboration applications and platforms combine the level of control associated with traditional project management software with the benefits of Web 2.0 applications to give a productivity boost to companies and bring better visibility. The best tools in this field are integrated with e-mail and easy and inexpensive to adopt. They democratize project management software. Can you provide some examples
Collaboration planning tools bridge the gaps between employees’ to-do lists, project plans, and strategic goals. With the help of these tools, a project manager gains complete visibility of all the projects he is responsible for. The upper management knows what is going on inside of every project and has the whole picture. The software takes a lot of routine operations on its shoulders – turning e-mail mess into a nice-looking timeline, reminding people about overdue tasks and building reports. These tools help to collect information and make it accessible to any team member anywhere. This expedites information sharing and accelerates decision making.Governmental, educational, commercial, and non-profit organizations all over the world are embracing project management 2.0 tools to improve their project management. Corporations like McDonalds, Walt Disney, Apple, Toyota and Capgemini utilize second-generation project management applications within their departments.CONCLUSIONThe use of innovative project management technologies promises to have a profound and far-reaching effect on how projects are managed today. These technologies let companies acquire the key ingredient to success in any business – they help companies make better decisions faster. Project management 2.0 gives a great productivity boost to project managers and their teams.Today, the project management landscape is changing, opening new competitive advantages for companies. While some companies are struggling with the pains of traditional project management tools and e-mail, others are becoming more efficient and innovative by leveraging the benefits of the new technologies. I hope this article will help you adopt some of the Project Management 2.0 tools and practices.

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MLM Home Based Businesses

Multi level marketing (MLM) is quite a popular form of marketing technique in the field of business. However, given the dubious practice exercised by some people who are into MLM, it has gained a not-so attractive reputation as a marketing strategy during recent years.Multi level marketing is likewise a technique employed in the area of home based business. Under an MLM, a home based business operator can sell goods as well as services to its target customers as provided by the participating companies. The beauty in having a home based business that engages in multi level marketing is that you have the luxury of flexibility in your work schedule as well as on what products and/or service you wish to offer to potential buyers. The company goods that you can sell range from general commodities like home decorations and storage containers to more personalized products such as food supplements, vitamins, clothing as well as beauty and cosmetics items. There are currently two types of MLM home based businesses ? the legitimate and the illegitimate. Certainly, you would prefer operating under a legitimate business where you can expect returns from your initial investment.Setting up an MLM home based business is relatively easy. Just ask anyone who are engaged in multi level marketing so that they can refer you to the appropriate person you can discuss your business with. Most likely, your relatives, friends, or neighbors are members of an MLM as this marketing technique is still very prevalent. You can also search the companies involved in MLM using the Internet. There is a high probability of finding their web sites where information of how you can be a part of the MLM will be available. Personal web sites may likewise be set up by people that are MLM participants.By employing all your skills and abilities in marketing the products and services available to you, an MLM home based business can work to your advantage.

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5 Secrets to Starting a Successful Home Based Business

Welcome to your financial independence and freedom. I worked for many years as a slave to my job. I was one of almost 1,000 lawyers in an international law firm. The day I made the transition to have a home based business was a turning point in my life. Today, I exclusively work from home. I work a fraction of the time I used to work. I am much happier and much more financially free. I would like to share with you a few secrets to help you become successful in your home based business.Many people who decide to start a home based business are still working full or part time for their other “job.” You can still succeed and ultimately transition to exclusively working just your home based business if done correctly. Others are ready to focus on their new home based business full time. Either way, there are some secrets to setting up your home based business so that it will be successful and financially rewarding from the get-go.Secret #1: Organize Your OfficeOrganization and success are directly linked. Make sure to select a room in your home specifically designated to your home based business. Setting up a work zone will minimize distractions and establish a boundary for those who know you work from home and feel they can stop by or call you in the middle of the day for personal issues. I also recommend having a separate phone line designated to your business calls and one for your fax machine. It is not costly to set up an additional line or two and it is all deductible as a business expense. You should also start a filing system right away. Letting stacks of paper accumulate and postponing a good organizational filing system will hinder your success. If done correctly and from the very beginning, you can avoid needing to hire a file person or secretary until your businesses growth demands it and can afford it.Secret #2: Get a Website or Internet PresenceSelecting a home based business that has an Internet focus or presence is important in today’s market place. Purchase a domain name and set up your website right away. Web and Internet based home based businesses are the new trend in business. In order to capitalize on this movement and on a very lucrative sector, it is a good idea to have a business or product that can be marketed with a website and on-line. This allows your client base or customers to learn about you and find you easily. It also expands your client base beyond your local market. Gone are the days of opening the Yellow Pages. Most everyone finds what they are looking for today by searching on the Internet. According to Forrester Research, ecommerce will be a $329 Billion industry by 2010. Seize on it with an on-line home based business!Secret #3: Make a ScheduleThe great thing about a home based business is that you do not have to work any set hours or days. However, you should make a schedule of both when you plan to work and what you plan to accomplish in that time frame. Task lists and to do lists are a signature of those with successful home based businesses. Having structure and a schedule helps you to be disciplined. It also teaches others to respect your work time. Creating a somewhat predictable work schedule will go a long way towards your success.Secret #4: Have a Calendar, But Just OneOne of the best things about working from home is the flexibility to break to attend your child’s school play or sports event or take the day off to golf. It is best to merge your personal and business calendar with a home based business so that you do not double book and to keep things simple. No need to check more than one calendar especially now that you don’t have a boss who you need to appear to be working for. Initially, I tried keeping one calendar for my legal events (court dates, depositions, etc.) and one for my personal life. It resulted in a few instances of double booking and the headache and waste of time involved in having to consult and fill in two calendars.Secret #5: Get Help When You Need ItPart of the beauty of working from home is having the flexibility to work when you want. If you get into the habit of working all the time and assuming all the tasks on your own, you will have defeated that purpose. Thus, consider outsourcing much of your work, projects, and errands (bill paying, appointment making, etc). I learned this best from Timothy Ferriss in his book The Four Hour Work Week. Pick up a copy from a local book store or your library. I recommend the CD version so you can listen while you exercise or drive in the car. He is very funny and ever so practical. He will give you great tips on hiring good, inexpensive help in India and other over-seas places. Also, learn to say no. When your plate is full, you are not doing anyone any favors by accepting more work. This is true even if you are being asked to be the room mom, coach your son’s soccer team, chair a community event, or take on another project you can’t possibly take on. Know how much you can handle and learn to say no. If you can only fit ten tasks on your plate and you take on eleven, one will slip. Avoid that from the outset.

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A Very Motivating Article for Starting Your Business

Ralph Charell said “Avoid the crowd, do your thinking independently, be the chess player not the chess piece.”Would you prefer to?Be your own bossEscape 9-5Work for yourselfBe the chess player& Be the producer of products and provider of jobs.Well, it’s a fact that we spend nearly 35-40 years with 40-50 hours each week in a job. We live from paycheck to paycheck without much flexibility in terms of freedom and financial betterment and often our active status of a job brings cash flow to us.That is why it makes sense. Instead of living flat broke from paycheck to paycheck and without much freedom and flexibility why not invest your time and money to start a business of your own.Before we get ahead here is an important question:What holds people back from launching a business?Answer: Fear of failure in terms of financial loss and lack of courage to shoulder up the responsibility.These fears are valid because research by the U.S. Bureau of Labor Statistics shows that nearly six in ten businesses shut down within the first four years of operation. Another research indicated that 29% of new businesses never make it into their second year and 65% of businesses close their doors within the first 5 years. The ratio may vary from country to country but often failure percentage is quite higher.But contrary to the above research, there is another research that indicated that it takes 3-5 years for you to realize a decent profit from your business. People quit because they not persist longer and they blame market and other circumstances. It’s very surprising that more people want quick profits and are not willing to give the persistence test. And, in the process they lead themselves to the path of failure and frustration.Well, how do you begin your journey toward opening a business of your own? The following steps are foundational keys to business success:IDEA: The first step is an idea and your idea should not be completely new, it can be just an old idea with some little improvement. If you look businesses around you’ll find much to learn from them.Where to look for ideas?Russell Conwell said in his book ‘Acres of Diamond’ to look for ideas under your own feet, because it lies in your own industry, experience and background and many business experts have stamped Russell’s opinion with strong authenticity. You may also connect your experience in one industry with another industry to borrow the ideas or to create something entirely new for emerging consumers.What if someone is rejecting your idea?Frederick W. Smith who in 1962 came up with an idea for overnight delivery. He went to university professors for a feasibility study and they rejected his idea as they thought no one will pay more when U.S mail is available”. Despite of rejection he invested in his idea time and money and went on to become a hugely successful business tycoon.Capital:The second thing to start your own business is capital. It can be your own money or you may borrow. As usual it’s advised to start small and grow gradually. Note it down that: Google started its company with just few computers; Packard and Hewlett established Hewlett-Packard (HP) in Packard’s garage with a low initial capital investment and Walmart started by Sam Walton as a small store in Bentonville. Also not to forget the rags to riches story of Dhirubhai Ambani.Sales:Although after idea and capital there are certain other things that are important to start a business such as business consultancy, getting a license to start, determining business location, etc. but the ultimate thing is ‘SALES’. Business research consultants summarized their analysis and decades of research in two simple statements which are:Businesses succeeds because of high salesBusinesses fail because of low salesYour job as a business owner is to prioritize sales over all other activities.Conclusion:Consider that the market is becoming too competitive, unemployment rates will rise, recession and inflation is eating our money and having a running business will safeguard you. Think to give 3 years for testing a business possibility from 35-40 years of service so that you work on our own plans instead of your employers’ plans.David Rockefeller said “Success in business requires training and discipline and hard work. But if you’re not frightened by these things, the opportunities are just as great today as they ever were”.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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How To Approach Removing Asbestos Removal in Sydney

Planning to renovate your home built decades ago? Well, you got to be careful! There is a good chance it may have asbestos. This is a popular building material used throughout Australia before it was completely banned in 2003.

Asbestos is not generally considered hazardous. In fact, homeowners are only allowed to remove up to ten square meters of non-friable asbestos. More than that, people are advised to seek professional help, especially handling friable ones. Because of the health risks involved, DIY removal is considered illegal.

This is particularly prohibited in Sydney. Hence, the expertise of your trusted asbestos removalists is required to handle the dangerous job.

Why Removing Asbestos Can Be Dangerous?

There are many DIY ideas. Some are equally fun. Whilst, others can be hazardous, like removing asbestos by yourself.

Here are some reasons why removing asbestos without proper knowledge can be dangerous:

Exposure to diseases

Small quantities of asbestos are present in the air most of the time and are being breathed in by everyone without ill effects. But, exposure to high levels of asbestos for a long time is pretty serious. It can cause asbestosis, lung cancer, and mesothelioma.

Accidents and Injuries

Asbestos is used in cement sheeting, drainage and pipes, guttering, and even roofing. But, asbestos roofing can become fragile over time. Hence, you might risk breaking it apart, releasing harmful fibres into the air. Also, a single sheet of asbestos can weigh 30-50 kilograms. Such weight can cause injuries.

Wrong removal and ill-fitting equipment

You may not know the proper ways to remove asbestos, exposing you to very harmful fibres. And the recommended removal equipment is quite expensive. You don’t have to deal with it on your own.

How Much Does It Cost To Remove Asbestos?

Asbestos removal can be pretty costly. It is determined by the type and size of the area, as well as the amount of debris to be removed. The safety risks of asbestos also increase the cost, especially when friable asbestos is involved. But health is wealth. It is always worth the price.

Most junk removalists in Sydney are priced from $99.99 per cubic metre, however, given the highly dangerous nature of asbestos, prices may be higher. It’s important to receive a few quotes before proceeding with an asbestos removal service.

How To Find The Right Asbestos Removal Provider?

There are a few key things you can do right now to ensure that your search for a provider is a successful one. They include:

Check Online Reviews

Does the asbestos removal service provider have an abundance of positive Google reviews? Check the history of their reviews to make sure that they are in-fact, legitimate. Businesses with legitimate reviews tend to have a stream of reviews that span across years of their lifetime; not just all within a few months.

Service Locality

Hiring a local asbestos removal business is always best. This ensures that you receive the best pricing as the business is local and nearby to your location. Typically, local businesses tend to take more pride in their workmanship as a positive reputation is key to their ongoing success.

Number of Years in Business

Given the highly dangerous nature of asbestos, it’s important to check how long the business has been in operation. A business who has over 10 years servicing the local community may provide cheaper pricing, given that they likely will have more refined practices.

Conclusion

Take your time while in search of a suitable asbestos removal provider. Due-dilligence is important and always shop around for the best quotes.

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A Pall Settles Over America

I see it in their eyes, downcast and wary. I see it in their steps, shuffling and tentative. When they talk, they use a word I rarely hear, depressed.

These are the producers, those who make the country work. Hourly and salaried employees and managers, who go to their jobs every day, work hard and provide for themselves and their families.

They’re the kind of people who have been with us since the country began. Back then, we called them Pilgrims, sod-busters, and settlers. Today they go by many names, Physician, Technician, Engineer, and Laborer. But for all of them, life has a rhythm, just as it did two centuries ago, that comes from our agricultural heritage.

Spring has always been the time for planting, and looking forward to the year ahead. Summertime is when they cultivate the crops. Fall is harvest time when we enjoy the fruits of our labor and thank God for blessing us. Winter is the time of austerity, the time to prune, the time to cut back.

But not this year. This year, we are still in harvest time. Yet the pruning has already begun. Major companies across this land are already cutting back, eliminating staff to reduce.

For thousands of laid-off workers, it comes at the worst possible time. Just before the holidays. A time when many who have children will have to cut back this Christmas. There will be little joy for those who lost their jobs these holidays.

If you’ve lived through a corporate “downsizing,” you know that anxiety runs high. No matter how often the boss has assured you that you will be kept on, you’re never sure about your future. Should you start looking for a new job now, or wait? Does the boss know what lies ahead, or might he be on the corporate chopping block? There is no job security once layoffs begin.

But there is much more to our collective angst this year than at any time in our memory. These corporate cutbacks are merely reflecting a more significant issue, an issue that is nationwide.

Our country is headed in the wrong direction. That is a sentiment shared by three-quarters of us. And we’ve felt that way for a couple of years. Producers know that the country should be operating better. Yes, there were all difficulties associated with the Pandemic. But those are now behind us.

Today recovery should be well underway. But it’s not. Despite all the trillions of dollars pumped into the system, our standard of living is falling. Each day inflation marches on; real income is declining. Gasoline, food, and shelter costs accelerate in real-time, but a salary rise comes annually. Corporate raises will arrive at the end of the year and likely come nowhere near the level of inflation we’ve already experienced.

Producers see all of this.

Producers also know that many, perhaps most, of our problems come from Washington. We see that a feeble old man has his bony fingers on the nation’s tiller, steering us straight for the shoals. He, and those who surround him, have a policy of austerity. In their eyes, less is better, and fewer is preferred. We should use less heat this winter, drive smaller, preferably electric vehicles, and eat vegan. And the less we consume, the better. From this perspective, we are the problem. Our destiny is to have shortages and wants. And they’ve pushed us in that direction.

However, these leaders told us last week that we could change everything. By walking into our voting booth, we could make our voices heard. We, the people, could take this country in a new direction that our leaders were indeed subject to the will of the people.

That didn’t happen. Counting votes has become a haze of computational complexity and slow-walking results. So that the incumbents in Washington get the results they want, it’s the complete inversion of the principal and values that the country’s founders intended. But there it is—today’s reality.

It’s the reason the word I hear most often from Producers today is: depression. And I’m afraid that’s where we’re headed.

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