The Entrepreneurs Club

Nothing is more harrowing in life than to be diagnosed with a critical or chronic illness.Matters are made ten times worse when your insurer informs you that they wont pay up on your critical illness policy or private medical insurance for the HIV or cancer you are suffering from.

You are asked to read sub-clause five of paragraph 327 of the small print, which informs you that you are suffering from the wrong type of cancer.Only tumours below the knee are covered and only the first five days of your treatment will be paid for, then its down to you to find the finance.

This scenario may sound absurd, but in spite of brokers and insurers being regulated, this type of practice continues to take place.It has been a slow process to clean up the industry and to ensure consumers get a fair deal.

A short time ago Cancer Backup, a registered charity, highlighted this problem by organising a wide ranging mystery shopping survey, which exposed some disturbing facts about the private medical insurance industry.It found that of all the leading insurers only BUPA provided cover for cancer patients throughout the duration of their illness.Only immediate treatment is covered by the majority of health insurance policies.Treatment or care over a prolonged period, such as hormone replacement or chemotherapy is normally excluded.

Although brokers and insurers want to finance long term cover for policyholders with chronic illnesses, they wont always make it clear to potential customers at the time of signing up what they are covered for.

Although both Macmillan Cancer Support and Cancer Backup have been in consultation with like minded organisations within the industry to raise the standard of sales practices and make the wording of policy documents clearer, progress has been slow since the report was published two years ago.

Private medical insurance and critical illness cover is normally taken out by people who are comparatively fit and healthy.The last thing that crosses their minds is getting cancer.That is why it is so important to spell out a policys exclusions before they sign up.

A statement of best practice for companies writing and selling medical policies has been updated recently by the Association of British Insurers (ABI,) which is a welcome step in the right direction.

The trade body has now recommended that insurers and providers selling these types of insurance should prepare typical case studies, which explain the circumstances when a policy will or will not be paid.Unfortunately insurers are not obliged to adhere to this code, which is voluntary.

Although the ABIs initiative is to be welcomed, the best way of clarifying a policy is by asking the salesman to explain the small print.

Furthermore, industry jargon is still being used by insurers to confuse the consumer.For example it is wrong to classify cancer as an acute or chronic illness, argues Cancer Backup.However insurers are adamant that it should go in the chronic category.Consumers only hear about this when their claim has been rejected.

Although the ABI have their heart in the right place, the insurers can only be forced to improve their standards by the regulator.Better training of call centre staff, who sell the majority of the policies, is also long overdue

More rigorous sales procedures are needed with jargon being eliminated.

Ultimately it falls upon the insurers to ensure that their customers are fully aware of the terms of their policies before they commit themselves.

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# posted by Smart Man @ 5:00 AM

If you have a website or blog, or consult with clients then you need a personal profile.A personal profile tells people about who you are, your expertise and experience and helps to create a human face to your business.Depending on your industry it can also help clients choose between particular consultants for a project or job, or create buzz and interest to hear you speak or buy your product.

It is also one of the hardest things to write - particularly if you are writing about yourself!Many profiles end up as a dry regurgitation of a career resume, with all of the personality removed from the process.Others end up sounding like you are a packet of soap powder with a set of steak knives thrown in with breathless "but wait there's more" style of writing.Still other personal profiles end up looking like a stand up comedy routine, except the audience isn't looking for a clown, they want to see the real you.

The best profiles are written from the heart, with enough details to allow people to connect with you as an individual.When written from the heart, good profiles will help you attract the customers and people who truly resonate with you and your message.Your personality will not overshadow the message you want to convey but will highlight the core intent of you and your work.

Why is writing professional profiles so hard?Personal and professional profiles are where you are declaring to the universe "This is me".It is where you are showing your best and most human face to your clients so they can resonate with who you are and where you have come from.It is a testament to your personal journey in life and business and many people are afraid their success will be judged and they will be found wanting.

Personal and professional profiles are an intensely private process and writing an effective profile can be as challenging as any personal growth exercise.It triggers every fear of waiting to be chosen for a team when you were a child and wanting desperately not to be the last one chosen.

Writing a profile triggers the same psychological reactions that we see in life with people hiding, obscuring or even denying parts of their personality or life.Some people hide their true personality with a mask of humour, or try and dazzle with a mask of glamour and excitement, still others fade into the wallpaper.When you write a profile yourself it is easy to deny, delete or distort your facts and not be aware of the mental block you are working around.

Some people want to put in every part of their life into their profiles afraid that if they miss any detail that people won't "get" who they are.Have you ever been to a party or on public transport and strike up a conversation with someone who promptly tells you every intimate detail of their life.You are left slightly uneasy and often can't wait to get away from them.If your profile is too detailed you are doing the same thing as the intimate sharer of details.

Some people want to be short on content and high on hype of the type "Ms X is a dedicated career professional who goes the extra mile, dots every i and crosses every t.Whose stellar attention to detail has placed her as one of the most exceptional employees within this company".These sort of profiles are all fluff and no substance and are often a defence mechanism to stop people seeing the real person beneath the hype.They are best termed a "Paris Hilton" profile and people will treat you accordingly.

Others people want to skate over the personal stuff.To only focus on dry facts of their life as they only want people to judge them on their accomplishments.These people are often uncomfortable with their emotions and keep people at arm's length.The problem is people want to know more about the person they are working with and buying from, so just the facts will be as satisfying as a glass of water when they are hungry and they will go elsewhere.

Good personal profiles require deep self reflection, searching questions and careful crafting of your words.When writing a professional profile, often a couple of drafts are needed to allow you to discover who you are now and stretch your personal horizons of who you are becoming and who you like to work with.

You may find it more effective to work with someone who can guide you through the process, who can help you shine a light on your true personality and present it in a positive and heart focused way.

Whichever way you tackle writing your personal and professional profile, be aware that it is not a simple process.That you will be bumping against your personality, that it may feel uncomfortable and tricky and that it may bring up "stuff" you would rather not deal with.

However, a great profile is a powerful beacon of light, attracting the right customers to you and to your message.Take the time to go through the process and you will gain great results.

Ingrid Cliff is a freelance writer and the Chief Word Wizard of Heart Harmony - a writing services studio that helps put your business into words.

For a free copy of the "7 Secrets of Compelling Copy & Powerful Words" visit her website http://www.heartharmony.com.au "> www.heartharmony.com.au .

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# posted by Smart Man @ 5:09 PM

Being left on the shelf is not usually a good thing; it has connotations of being behind the times and past its sell-by date.In business terms, being up to date means cutting edge, ready for anything and gives off an aura with a go-getting attitude.This may be true to some degree, but it certainly isn't the case in the world of company formations.Companies need to be established and have a proven track record to be able to get the reputation as a successful business.

Setting up a new company can have many drawbacks that can only be overcome by time, and depending on your type of business and whereabouts in the world the company is based, these obstacles will vary.Opting to buy a readymade company, or a shelf company is one way to overcome these obstacles.A shelf company is a company is literally a company that has been left on the shelf to age.

The trading name has been set up, and paperwork regarding the jurisdiction has been filled out to ensure that the company is meeting all the requirements of the country in which it is based.Usually, the company will not have been used for any trading purposes, so although it gives the impression of being an established trading business, it in fact has not got any history accrued to it.

The reasons behind buying a shelf company is often to save on the time it ordinarily takes to set up a company.It has been said that it can take as little as a few hours to restart a shelf company.Many of these companies come with a trading name and corporate logo as well as a board of directors to give the impression that the company has just been sitting idle for a while.The directors already involved in the company are silent, and therefore the new owner can have complete control over the running of the business from the beginning.

Other reasons for buying up this type of company as opposed to starting a new one is to attract investors and to gain capital.If a company has a longevity, it will give investors the impression it is a safe investment; by the same token, the company is more likely to be able to gain access to corporate credit facilities, which in turn builds client confidence.

It is possible to set up a company so that it can be accessed remotely.This is ideal for a business that wants to trade from a prestigious location, but does not actually need to be physically present.Some shelf company agents supply virtual office facilities to aid the smooth running of an overseas business.This means that calls will be directed through their exchange, as will emails and faxes.A virtual office is staffed by the hosts of the shelf companies and offer an all inclusive package to suit the traders needs.For a business that wants a specific outcome, or wants specific parameters to be met through the act of trading, the location of the shelf company is the most important factor as each country has varying trade laws, and tax rules and trading regulations.

Ultimately, by investing in this type of company, you can be sure that you will have a mature trading company within just a few weeks, rather than years.This means that should you have a never-ending stream of entrepreneurial ideas, you'll be able to put your plan into action while others miss the moment.

Dominic Donaldson is an expert in real estate and company formation.

Find out more about buying a Shelf Company and how it can boost your business profile at Readymade Comapnies Worldwide.

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# posted by Smart Man @ 3:11 PM

The benefits of home business are many; more family time, freedom of time, no commute and endless opportunities to take charge of your destination.Once you make the decision to move from a traditional work setting to operate a home based business, such as network marketing, you need to improve or guarantee the likelihood that you will succeed.

Success, in anything requires focus, this means learning, studying and practicing proven ways in order to make the success of your business a predictable outcome.There are ways to ensure your success, read on to learn how.

Network Marketing is Booming

The employment landscape in the United States is changing.

Gone are the retirement and pension plans.Gone is the paradigm of job security.Did you know that companies everywhere are downsizing?They are either going virtual or moving work offshore, eliminating jobs in all industries.Despite this trend in employment conditions and change in workforce paradigm, the annual income for Americans has increased from $13 trillion in 1991 to $40 trillion in 2001.

Many experts attribute this growth due to the increase in home based business, primarily network marketing.In home based business and network marketing, the opportunities come with many benefits.Many people are moving into home based businesses, either to supplement income, allow for more time at home with family or to create a new career.Often times these ventures do not require specialized degrees or skills, anyone can learn how to do network marketing, and these businesses are opportunities for those from all walks of life.Anyone can take advantage of these opportunities.One of the biggest advantages of home based business is the fact that one can create multiple streams of income and thus the earning potential can become limitless.

In traditional work settings, where an employee merely trades his or her time for money, the employee's earning potential is capped based on how many hours they have in one day.You cannot create more time.On the other hand, with network marketing and home based businesses, one has the ability to multiply their time and their profits by creating multiple streams of income or affiliate program relationships.This is in part how to create great success and wealth.Home based businesses and network marketing ventures are redefining how business is conducted across the country and the globe.

Want more proof that network marketing is here to stay and a growing home based business solution for many who are seeking more wealth and freedom?Fortune magazine describes network marketing as An industry with steady annual growth, healthy cash flows, high returns on invested capital and long term prospects for global expansion.Network marketing has grown more than 91 percent since 1997 and provides over $30 billion in income for Americans and $100 billion in income for individuals all over the globe.

Each week nearly 300,000 individuals from all over the world enter into the home based, network marketing business arena.Many experts recognize the potential for improved quality of life, an opportunity to follow life's passions and in many cases to accrue tremendous wealth.

So how does one learn how to get into home based work or network marketing?And how does one improve the likelihood of success and the creation of not only wealth, but of all of one's dreams?The answer is easy.Learn, study and practice the Secret Science to Getting Rich.

Guarantee your Success

Did you know that according to Robert Kiyosaki, the author of Rich Dad, Poor Dad that 90% of all new businesses fail within the first five years?

Additionally, statistics show that 90% of that 10% that survived the first five years fail before they reach ten?So how do you guarantee yourself that you are part of that 1% of all businesses that succeed after 10 years?You can do it.Anyone can, success and becoming wealthy comes down to a science, a science with a predictable outcome.Those who succeed and become wealthy know something.They understand something.They know the Secret Science to Getting Rich.

Secret Science to Getting Rich

Secret Science to Getting Rich Have you heard of the DVD called "the Secret"?

The Secret uses transformational learning so that the audience actually internalizes the concepts and adopts that way of thinking as their way of being.The movie has a central theme called "the Law of Attraction".The law of attraction states that what we think about, we bring about, our thoughts manifest into our life experience.In fact, the movie itself was inspired by this very same law when the producer read a book called "the Science of Getting Rich" by Wallace D.Wattles.This book was written in 1910.Little did Wallace know how he would transform the thinking of the world, 100 years later!The law of attraction states that we create our reality, both good and bad!Have you created a reality of wealth?

Benjamin Bressington is known as the "Transformation Catalyst" and can cause transformation in your life today read more at today

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# posted by Smart Man @ 4:48 AM

If you are fed up with paying costly insurance premiums and want to find out how to cut your bill, receiving maximum cover at minimum cost, this checklist will help you to save money.

The first thing to do if your insurance premium is too high is to change you car to one in a lower cost insurance category.All cars are ranked on a scale of one to 50, one is the least expensive to insure.A Vauxhall Corsa 1.0-litre for example, will fall in the first bracket, while a premium car such as a Porsche 911 is at the opposite end of the spectrum.

Secondly, you can save money by making sure your car is as safe as it can be.Inner-city post codes command the highest premiums and although it's a tad drastic to move house just to reduce your insurance premium, you can for instance clear out your garage and lock your car up at night, or even put it on your driveway instead of parking on the street to attract a small discount.

Also, why not fit theft deterrents such as a Thatcham Category 1 immobiliser which is sure to impress your insurer because the Thatcham Motor Insurance Repair Research Centre measures the effectiveness of security products for cars using the British insurance industry's criteria.Security items like this aren't cheap, however, so it's best to weigh up the cost against the long-term saving on your insurance premium.

Insurers give you the choice to select your own risk, which means how much of each claim you will pay if an accident occurs.This is called the excess, and it can vary from as much as 1000 pounds down to 100 pounds - it's up to you to opt for what suits you best.The lower the excess, the higher the premium and vice-versa.

You should never accept the renewal letter quotation.Always contact your insurer and tell them that you will go elsewhere if they don't give you a better deal.They usually will but if they don't, make sure you obtain other quotes.Insurers always give the best quotes to new customers.

Always take the trouble to shop around.There is no doubt that it is very time-consuming but it could save you a small fortune.See what deals are available and take advantage of price-comparison sites like moneysupermarket or confused to get lots of quotes at once, and don't forget to try insurance brokers, too.

Check these sites - then check again.Even if the quote from the comparison site or broker sounds good, make sure you go directly to the insurance company they recommend so see if the quote can be bettered by them.It can, sometimes, be more economical to go direct.

Make sure you don't double up.Check the warranty and breakdown contracts you have already because your insurance company may be offering - and charging you for - the same cover that you currently have.If your breakdown cover includes paying for a hotel room if you need it, don't fork out for the same cover on your insurance as well.

Be accurate.Don't just guess how many miles a year you driver, take the time to work it out properly.Why pay for 20,000 miles of cover if your annual mileage is only 15,000 miles.

Try to tailor the deal to you.Some insurers will take account of the number of years you've been driving and this could benefit your quote.It can even if apply if you are or have been a named driver on someone else's policy.
This is a perfect way for young drivers to accumulate a no-claims discount even if they're on their parent's policy.

Finally, some insurers will offer discounts if motorists have successfully completed the Pass Plus course which was designed by the Driving Standards Agency and the driving instruction industry with the help of insurers.

Why not become a better driver as well as reducing your car insurance premium!

Complete car insurance offers great deals on Car insurance, other financial products.

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# posted by Smart Man @ 4:53 AM

Mention Viyella and everyone has an instant image of a comfortable middle class women clad in well cut, comfortable, and long lasting clothes, not exactly cutting edge, more timeless classic, guaranteed not to scare the horses in the countryside or the rotary club annual dinner in town.

Founded in 1784, it was once as much part of our lives as, well, Aertex shirts and Trilby hats.So, if Viyella can disappear, what about some of those other stalwarts of British dress sense?

Aertex had become part of the middle class wardrobe by the end of the 19th century.In the Second World War the Desert Rats marched across the deserts of Egypt in the company's bush shirts and jackets.In the Fifties no mum wanted to send their child to school in anything but their shirts, and in the Sixties it was the choice of Wimbledon champions.

Its future looks healthy thanks in part to its continuing popularity for sports wear, and in part due to the likes of Big Brother presenter Jeff Leach and Dirty Pretty Things lead singer Carl Barat favouring them under the heat of studio TV lights.Another firm with ancient roots doing surprisingly well is the children's shoe makers Start-rite, which traces its history back to 1792.In the 1920s it moved into making children's shoes, and bought the Start-rite name.

In 1936 the first advertisement featuring the iconic tins toddling down the road appeared.By 1952 it had given up making adults shoes to concentrate totally on the children's market.In 1997 it introduced the Rhino rages for older children.Mums, it seems, will still spend money on well-fitting shoes for their youngsters.

There's not a single black and white British film to be seen on TCM that does not feature scores on men in trilbies.The soft felt hat with a narrow brim, deeply indented crown and a pinch at the front came into fashion in the Twenties.It began as a casual hat to wear to the races, but by the end of the Second World War it had taken over from homburgs and bowlers.

Its days seemed numbered when hat wearing stopped being an every day habit in the Swinging Sixties.Ironically, it was musicians who brought it back into fashion: jazz, ska, and soul artists loved them, and rude boy, mod, skinhead, 2 Tone and, more recently indie rock and emo fans have adopted the trilby.It, too, looks safe.

A chillier future may face the old services favourite, the British Warm.The classic overcoat took its fabric and styling from the greatcoats worn by officers in the First World War.Lightly shaped, they fell to just above the knee, were double breasted with six buttons, peaked lapels and epaulets.The advent of efficient heating systems in public buildings and cars dealt the British Warm a bitter blow.

It evolved into the short camel hair double breasted coat so loved by Arthur in Minder and Del Boy in Only Fools and Horses, further ruining its image.
But hard times and colder winters could see a return to popularity.But the convincing winner in the longevity steals is a piece of headgear that was once exclusively associated with straw chewing yokels wanting to protect their hair while milking cows.

The classic flat cap has a loose crown pinned to the peak.It can be worn forwards or backwards, or at any angle - a big advantage when pressing ones head into the mud-spattered flanks of a herd of milkers.Coupled with a muffler it became a classic image of the urban working class, as captured in Chas & Dave's stage costumes.

But it has now achieved cult status.Samuel l Jackson is a big fan, so is gangster film maker and Madonna ex Guy Ritchie, plus are rappers, DJs, and Premier Division millionaire footballers.Jermain Defoe, signed up by Tottenham for 15.75 GBP on a salary of 3 million GBP a year, was recently photographed sporting both the flat cap and the muffler.You just can't keep a good fashion down.

Samantha is an expert Research and Theatre consultant.

She is currently writing for Show and Stay and is very excited about the upcoming West End revival of Oliver!

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# posted by Smart Man @ 3:02 AM

If you've been paying attention (to American history) you already know that Eddie Rickenbacker was a successful race car driver before the became the most celebrated US Air Ace in during WW I.You might not know that after the war he would become an airline executive, a wartime advisor, and a famous and extremely successful industrialist.

As a business leader of his time, like the Jack Welsh of the 1920's he was often quoted.One of his most famous quotes, and the one he is reported to have personally lived by was, "Think things through then follow thru."

He believed and I have witnessed that most of the stress we experience in our careers comes from working on low priority - or as my friend Jack Werth says, low probability tasks.

The amazing thing is that as soon as we start working on high priority - high value activities, the stress disappears.We immediately begin to feel a continuous stream of energy and enthusiasm.And as we work toward the completion of something that is important to us, we feel an increased sense of personal value and satisfaction - pride in the steps toward accomplishment is probably greater than the pride we feel when we have completed the task.

Here are six ideas that I always try to keep in front of me - where I can see them every time I look up from my computer screen, to help me set priorities and work on the highest priority (highest probability) projects at all times.

First, I always try to take the time to get clear on my goal and objectives.Accuracy first, momentum second - remember it doesn't matter that you are making good time, when you are headed in the wrong direction.When I am on target with what's important, the priorities I set will continue to move me in the direction of the objectives I am seeking.

Second is keeping a long-term view or perspective and work toward the things today than can have the greatest impact on my future.Keeping my life's objectives in balance is a key here - setting priorities in the areas of health and relationships are just as important as the money and career priorities.Having used this system for over three decades I am seeing the results from years gone bye today - which really motivates me to focus today's behaviors on tomorrow's intended results.

Third, I make a commitment to improve those aspects of my life that are most important to me.In your case, if you are in sales then learn exactly how to be an excellent sales person.If you are a parent then focus on being the best one you can be.It is true today and always has been - the power is on the side of the person with the most practical knowledge - it will be your leg up on your competition.

Forth is about taking the time to do your work right the first time.In other words measure twice, cut once.You never get a second chance to make a first impression.Why is it there is never enough time to do it right but always enough time to do it over?You get the idea.The fewer mistakes you make the less time you'll waste.

Fifth, remember it's not the amount you put in that counts.It is the amount and % of time you spend on high priority tasks.You will always (and only) be paid for the results you get - not simply the hours you spend on the job.

And finally, never forget that the most important part of setting priorities is your ability to make good choices.You are always free to choose to take on one thing or another.You may choose a high value activity or a low value activity.You may choose something that is tension relieving and not goal achieving.

But once you choose you must accept the consequences, so choose wisely.

Make up your mind today to set clear priorities in every area of your life and always choose those activities that will assure you the greatest health, happiness, and prosperity in the long run.

What will the long run look like for you?Will it be the time you'll wish you'd done the things you are not doing now?Or will it be the time you'll look back and see, literally see, the choice points and how you chose the road less taken?

By now I hope you are thinking about the implications of what you've just read and I also hope you will take a few seconds and post your comments for the rest of us.By sharing your experiences and insights here you will be adding to the richness of the conversation.

Wayne Messick is the author of dozens of articles for mainstream businesses, emerging professionals and association executives and now in phase III of his career spends hours each week creating articles from his experiences.

Visit his web site to receive them at http://www.WayneMessick.com

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# posted by Smart Man @ 4:34 PM

The number of people who feel they have reached a problem incapable of a solution is growing.It is all to do with money and the falling house prices of course, but here one has to differentiate between several categories.

The young have complications, senior citizens have complications, the well off have complications, the less well off have complications, and the ex-pats have complications.All of these complications are subject to their own peculiarities and need separate understanding.

In the case of the young first time buyers, prices are getting lower almost by the day, so from that angle it is better news for them than it was some months ago.However, getting a mortgage is a formidable task and is harder than finding the right house.It may help to look at things from the point of view of the lender, who will not part with money providing he has funds to lend, without careful checking.This means giving correct information as to the income which must be adequate to repay the loan.The type and condition of the property plays a role because the lenders like to have as much security as possible in case of having to recover their money.Ten worthy reliable borrowers are better than a hundred iffy ones.Easy mortgages are a thing of the past, and getting the lender to lend is the biggest obstacle to jump.

Senior citizens, who bought their house more than twenty years ago, should have no problems.Properties in big towns went up so much that they might have sold and bought something cheaper in the countryside to pocket the difference.However, assuming they did, now that property prices have fallen and continue falling, they may have been better off had they stayed put without all the hassle.Some might have borrowed against their property to help the youngsters, but since their house would have gone up significantly before they got their loan, it would not have gone down to a level where they would land in the negative equity zone, so they will muddle through.

The well off brigade have either made more money and got out in time, or else lost some back and remain rich unless they entered the housing game very late and bought at rather high prices.Of course, they probably also suffered losses in other directions, and must now wait patiently for the markets to recover which may take quite a time.The fix will come, but there is no quick fix.Patience is the key, as good opportunities will emerge and to be ready to step in at the right time is essential.

The not so well off are usually very flexible.They have known good days and bad days and by and large are survivors.They are the good spenders when they are holding, and tighten their belts when things are going badly.There is a section on a fixed income that bowl along at a steady pace come what may, who neither get an abundance of thrills nor an abundance of disappointments.

Finally, there is an army of ex-pats who sold their houses in U.K.at the right time, and bought their new property abroad at a reasonably low price with a very high pound.Life was great, and those on a pension enjoyed the bonus of the very good exchange rate for years.

Now the prices of houses have also gone down, especially in Spain where most of the ex-pats have settled.The pound has greatly lost value against the euro, meaning the pension is thus worth much less.It is a double blow.Does the answer lie in selling the house abroad and buying one back home now that the prices have fallen and will fall further?This time the exchange rate would be on their side!

Paul Dubsky is director of Foreign Currency Exchange & Transfers Ltd.

The company is focused on being able to offer really friendly currency exchange rates and international money transfers.We believe we are the only Foreign Currency Exchange company which offers special rates to Senior Citizens.

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# posted by Smart Man @ 4:34 AM

Christmas should be a time to relax and reflect.It's an opportunity to step back from the pressures and stresses of modern life and enjoy some time away from work.Because more people are working longer hours, taking less holiday time and rarely taking adequate breaks throughout the rest of the year, Christmas has become the only real time that some people get to unwind and do something completely different.With this in mind many people are choosing to spend the break at a hotel.

Most venue reviews now include details of Christmas menus and facilities because the market for Christmas weekend or short breaks has increased so much in recent years.People, especially working professionals, are looking to get away from the day to day grind of work without having to do housework, cooking, cleaning and the other domestic chores that they inevitably get drawn into when spending time at home.

There are plenty of options when considering a Christmas break.Most hotels and venues that operate all year round have now seen how lucrative the market is around Christmas breaks and have acted accordingly.So now you can not only go for a meal, you can take part in themed weekends, outdoor pursuits be entertained at concerts and live events or simply have a relaxing spa or health break.

Here are three Christmas venue reviews to illustrate what is available if you're considering a break this Christmas.

Charing Cross Hotel, London - The Charing Cross Hotel screams style and sophistication.A recent refurbishment has added to the sense of glamour without taking away the feeling that you are somewhere steeped in history.The individualism that makes a place special in the minds of visitors is also still present with architectural features still present and liveried staff on hand to meet and greet you.

The whole hotel has a grandness to it that is so often missing with modern buildings and its location next to the station reminds you that many famous and important people have crossed its threshold and stayed in its rooms.The restaurant and bar have views across the Strand towards Trafalgar Square which provides a perfect backdrop to a relaxing Christmas break.

Coombe Abbey, Nr Coventry - Coombe Abbey is steeped in history.This former 12th century Cistercian Abbey has been lovingly restored while at the same time adding all the modern features and facilities that you'd expect from a venue.Set in 500 acres of parkland the location is perfect for a winter walk through forests and beautifully kept gardens.

All year round the venue is host to exciting and innovative entertainment.There are regular themed banquets and even murder weekends.The Christmas Carol event has become a regular and very special feature in the calendar.The rooms have a royal grandeur to them and this sense of importance and splendor is reflected in the hotel menu.Coombe Abbey is also ideally located in the heart of Warwickshire and places like Stratford upon Avon and Warwick Castle are both nearby.

The Met, Leeds - Located in the heart of a revitalized and vibrant Leeds City centre, The Met is one of the best hotels in Yorkshire.After a six million pound refurbishment the grade II listed building has been transformed into a top class hotel with modern facilities and offers a top class dining experience to visitors.The new Tempus Bar at the hotel is an ideal place to relax and celebrate Christmas with a glass of something sparkling.

Dominic Donaldson is an expert in the hotel industry.

Find out more about venue reviews and hotels.

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# posted by Smart Man @ 4:20 PM

Fixed rate mortgages are very straightforward.At the beginning of the mortgage agreement, the agreed interest rate is fixed and it then is applied throughout the term, or length, of the mortgage.A large proportion of fixed rate mortgages are arranged for a term of two or three years, although its possible to go for a longer time-span.The problem with fixing an interest rate for any longer than three years or so is that if you need to move before the end of the period, or you find a cheaper deal, a considerable early repayment charge could be implemented.If interest rates drop, you're still left paying a higher rate than your neighbours with newer fixed rate loans or more flexible ones.

If you were equipped with a crystal ball you could avoid these pitfalls, but in the meantime you can only hope that rates will stay at the current level or higher then you'll be the one to gain.There's a point to watch out for, though.The term of your mortgage can go by remarkably quickly.About six months before the end of your mortgage agreement, you need to look around for another deal.This may be with your current lenders or a new one, but if you don't have another offer in place, you'll be transferred to your lenders SVR or standard variable rate which will, in all probability, be in excess of what you've been paying.

There are several alternatives too many to list, but one example would be an interest-only mortgage.Here you pay nothing not a penny - off the actual debt, just interest on the loan for a set period.At the end of the term, historically speaking, your property should be worth a great deal more than you originally paid and you're left with enough collateral to pay off the loan.No-one can know just what the property market is going to do, of course, but if you look back to what your property was worth some twenty years ago, the original amount you borrowed is going to look quite insignificant, compared to today's value.

If you are open to some ups and downs, you could consider a Standard Variable Rate (SVR) mortgage.This is a very simple mortgage product linked to the base rate of the Bank of England normally its interest rate is around two percentage points above base rate.The Bank of England rate can change at any time and lenders will broadly follow this.However there is nothing to enforce this and a rate reduction doesnt automatically mean that your rate comes down immediately, and whilst lenders can be expected to follow this, they are not forced to do so.Almost certainly, when they rise, they'll act much more quickly!

The way to be guaranteed that you can follow the base rate exactly is to take out a Tracker mortgage.The usual rate is up to a per cent above Bank of England base rate, which will be followed precisely.Some lenders specify that a minimum rate is applied, known as a collar, and the rate wont fall below this, although many lenders have now dropped this stipulation.

There's no need to worry about trawling through the options.The help you need is there on-line an independent broker will do all the work for you and consider what you really need.They will search a very wide market to come up with some excellent options to find the right product for you.

Interested In getting a quote on Cheap Mortgages?

Please Visit the Mortgage-Merchant for more information and other resources.Our sister site Brokers Online offers cutting edge articles and information about cheapest mortgages and other financial products.

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# posted by Smart Man @ 4:25 AM

As many homeowners have realized, there are a lot of things that need to be stored outside your home.For instance, a typical home requires a lawnmower to maintain the lawn, an edge trimmer to keep things looking neat, lawn chairs and garden furniture for seating, a grill for outdoor meals, and many other items that are bulky but necessary.

Storing these items becomes a bit of a challenge for those homeowners who don't have garages.Even for those with garages, the garage space fills up quickly, leaving the cars parked in the driveway or on the road.The solution to this problem is a storage shed.

Storage Shed Options
There are choices when it comes to putting up a storage shed.
Before investing in a storage shed, it's a good idea to make sure it will meet your current and future needs.Take a look at the options available for purchase before deciding on the shed for you.

- Site-Built Storage Sheds
A site-built storage shed is a shed that you build yourself on your property.
The advantage to this type of shed is that you can completely customize it for your needs.However, this type of shed has many distinct disadvantages.

The disadvantages of building your own storage shed include the time, money, and work involved in creating this type of structure.Building a shed is not a weekend project and shouldn't be undertaken by the first-time do-it-yourselfer.It's often more expensive to purchase the materials and build your own shed than it is to purchase a pre-built unit.

- Pre-Built Storage Sheds
A pre-built storage shed is put together at a factory and arrives completely constructed at your doorstep.
You don't need to be a carpentry expert to have one of these sheds, and you don't have to spend as much money on one of them as you would on building your own shed.

Because they are pre-built, these sheds are not fully customizable.However, there are a multitude of options available that are likely to meet the needs of any homeowner.In addition to being less expensive and less work, pre-built sheds also provide you with storage much more quickly.

Before You Buy a Storage Shed
There are several things you should consider before you invest in a storage shed.
In order to end up with the right storage shed for you, you should make sure you have a clear idea of your storage needs.

To get a good idea of what size and type of storage shed you need, make a list of everything you think you may store in the building.Some common items include the following:

- Lawn chairs and other garden furniture are a popular storage item.

If left outside year-round, your lawn furniture will have a much shorter lifespan.In addition, exposure to the elements will make your furniture less attractive and will contribute to peeling paint, fading, and mildew growth.

- Tools and yard equipment need a home too.Lawnmowers and other yard equipment are useful but also come with an expensive price tag.It's important to protect your investment from damage by the elements and possible theft.A storage shed is the perfect solution.

- Grills last longer when kept sheltered as well.If you want your grill to last many years, it's important to protect it from rain, snow, and harsh winds.A storage shed provides a safe, dry home for your grill, as well as a handy place for charcoal, grilling tools, and other necessary items.

Knowing what you plan to store in your new shed will help you choose the pre-built shed that is perfect for your needs!

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# posted by Smart Man @ 4:50 PM

A predictive dialer is a computerized system that automatically dials batches of telephone numbers for connection to agents assigned to sales or other campaigns.Predictive dialers are widely used in call centers.

The autodialer preceded the predictive dialer.While the basic autodialer merely automatically dials telephone numbers for call center agents who are idle or waiting for a call, the predictive dialer uses a variety of algorithms to predict both the availability of agents and called party answers, adjusting the calling process to the number of agents it predicts will be available when the calls it places are expected to be answered.

The predictive dialer monitors the answers to the calls it places, detecting how the calls it makes are answered.It discards unanswered calls, busy numbers, disconnected lines, answers from fax machines, answering machines and similar automated services, and only connects calls answered by people to waiting sales representatives.

Thus, it frees agents from the task of manually dialing telephone numbers and subsequently listening to ring tones, unanswered or unsuccessful calls.Predictive dialers perform the same function but the architecture and delivery methods can vary greatly between manufacturers.

There are several types of predictive dialing: Software, Hardware, Smart, and Hosted dialers.A predictive dialer can dramatically increase the time an agent spends on communication rather than waiting; a 2002 survey indicated an increase in talk time from twenty minutes in the hour to almost fifty.

The system is most suitable for low quality lists and large numbers of agents; however, an unexpectedly high contact rate can overwhelm the system leading to call abandonment.Before running a campaign, Call list data is loaded into the dialer.The data is generally derived from a large database such as a telephone directory or similar listing from CRM software.Some predictive dialers generate call lists and report call attempts.

Unsuccessful calls are often analyzed to determine if the number called needs to be called back later or needs special treatment, such as a manual or autodialed call by an agent to listen to an answer machine message.

Predictive dialer systems are commonly used by telemarketing organizations involved in B2C (business to consumer) calling as it allows their sales representatives to have much more customer contact time.Predictive dialers may also be used by market survey companies and debt collection services who need to contact and personally speak to a lot of people by telephone.

More commonly predictive dialers are now being used as a quick and easy way to automate all sorts of calls which would otherwise be made manually by a call center, such as welcome calls for new customers, customer service call backs, appointment confirmations/reminders, or even for the automation of large numbers of ad hoc calls that might need to take place (such as by a taxi company, or parcel delivery service etc).

The predictive dialer exhibits predictive behavior when its dialing algorithm produces more call attempts (dials) than the number of agents currently logged in and available to handle calls.The predictive dialing happens when the predictive dialer dials ahead of the agents becoming available or when the predictive dialer matches a forecast number of available agents with a forecast number of available called parties.The matching and dialing ahead perspectives provide the large increases in dial rates and agent productivity.

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# posted by Smart Man @ 2:49 PM

Whether you are a wholesale merchandise distributor or a small business owner looking to do business with one, there are certain questions you should ask yourself to know if you are ready.At least they serve as great reminders as to what might be missing.

Some of them are crucial and some of them are of utmost importance when a certain difficult moment arrives.However, most of them are incredibly important for your first year as a small business owner.Among them, here are six additional points to remember:

Point 1: The business plan!

The business goals being attempted may be for-profit or non-profit.For profit business plans typically focus on financial goals.Non-profit and government agency business plans tend to focus on service goals, although non-profits may also focus on maximizing profit.Business plans may also target changes in perception and branding by the customer, client, tax-payer, or larger community.

For this part, it is often wise to work with a business lawyer or seek professional advice from business consulting services.A good resource to help you find people in your area with the necessary skills and background is the Small Business Administration government site.

Point 2: Apply for Licenses, Taxing Certificates and Other Necessary Paperwork.Consider your wholesale distributor as your right hand partners when you start.In order to peddle products or goods online retailers are very essential for online wholesale distributors.These goods are sold from several sites around the world through internet retailer and seller in online require these distributors in order to make good profit.

The quality is very necessary for some wholesalers and distributors.Tell your required volume facts and budgets properly.Make sure about your payment methods and terms and the additional arrangement for payment transactions and future project efficiency.

Point 3: Establish Your Facilities.Research the market and find your niche.To be successful in owning a wholesale business, the first thing you should consider is find a hungry crowd and a niche that people are crazy about.If you nailed that market and the niche that people want to buy then you are on the right track of making a profitable business.Having updated current distributor lists, proof of their expertise and best reason for buying those goods is very essential.

Point 4: Establish Your Relationships.Find reputable wholesale suppliers to avoid scammers or fraudsters.Looking for manufacturers or suppliers for your chosen niche could be really hard if you do not know where to start.You might fall in the hands of fraudsters if you are not careful.

A good place to start looking for suppliers is through a legitimate online wholesale directory.A reputable online wholesale directory conducts screening to test the authenticity of manufacturers before including them on their list.Getting the best wholesale suppliers is important in owning a wholesale business.

Point 5: marketing.The profitable step to take is opening your own online stores, having a drop shipping business arrangement with a wholesaler distributor.You will be in a safer and easier side for doing actual mailing or shipping through freight forwarders of items.Through your wholesale distributors, your online customers order will be directly serviced.

So you are at a safer side.This is good news for you.Marketing works hand in hand with building a relationship and maintaining it.

Point 6: The Machine in Motion: Servicing Your Customers.Among the important things that you should have a list of wholesale sources for the products you want to offer.These two are very vital in order to make profit from an online business.You should download the current listings that have the latest in terms of goods available, current pricing and wholesale merchandise distributor every six months or even more often depending on your business.

Finding Wholesale Video Games is one of the business components Joaquin serves as reference source, e-commerce coach and certified author.

His focus today is assisting people receive extra income through the acquirement of in-demand Wholesale Distributor

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# posted by Smart Man @ 4:20 AM

When you encounter a new word, what do you usually do?Do you ignore it or do you try to look up its definition in the dictionary?For smart individuals, they will surely look up for the new word's meaning.If you're engaged in business undertakings, perhaps you want to define entrepreneur.Are you an entrepreneur?

There is a specific definition of entrepreneur.According to most dictionaries, an entrepreneur is a businessperson who finances or initiates emerging commercial enterprises.Basically, he or she is the person who provides for the capital of the business.However, providing capital alone is not enough to be called an entrepreneur.How is that?

It's because some individuals prefer to invest in a certain business venture but that person will let someone else handle all the business activities.

Any person who finances a business venture and runs it can be called an entrepreneur.According to some economists, an entrepreneur is someone who develops a fresh and new product, a new way of producing something, or an innovative market.Usually, entrepreneurs start with a small business and if it proves to be successful, the business will slowly expand.

So why put up small businesses?You see, small businesses require smaller amount of capital while larger ones demand huge capital.Not many entrepreneurs nowadays are willing to take the risk of putting up big businesses without proper research and studies.

Some say that being an entrepreneur starts right after a child is born.The qualities are already possessed by the child from the moment of birth.The individual is already a thinker and schemer of things.These individuals will want to reach the impossible.So if you're a born entrepreneur, you must develop your skills and qualities so that you can use it in the near future for your success.

Putting up a new enterprise may sound very hard but for the entrepreneur, nothing is impossible to achieve.innovation, creativity, leadership, being a risk-taker, and having the right inner drive or passion are some of the keys to being a successful entrepreneur.If you possess these things, nothing can stop you from being one of the biggest names in the marketplace.

There are thousands of opportunities that you can find from emerging communications, culture, and science and technology.All you need to do is identify these business opportunities and turn them into a real business enterprise.However, choosing a good business opportunity requires careful study and market research.Even if entrepreneurs are known to be risk-takers, they still have to make sure that they are entering a good business.

If you want to know more about the definitions of an entrepreneur, you can easily search for the meaning of the word in popular search engines like Google and Yahoo.By using the power of the internet, you can find a lot of definitions for you to understand the word much better.There are many resources to find online; all it takes is diligent research.

Being an entrepreneur is an exciting and challenging task.If you have the guts, the capital, the right inner passion, appropriate qualities, and skills, don't hesitate to introduce something new to the market.

Besides, most customers like new stuff.So what are you waiting for?Study the market and see if you can enter it and become a new entrepreneur.

How To Define An Entrepreneur

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# posted by Smart Man @ 2:35 PM

What is the process of incorporation?This article deals with incorporation basic facts.

A corporation is a legal entity (technically, a juristic person) which has a legal personality distinct from those of its members.

The defining legal rights and obligations of a corporation consist of the capacities:
* to sue and to be sued
* to have assets
* to employ agents
* to engage in contracts, and
* to make by-laws governing its internal affairs
* Other legal rights and obligations may be assigned to the corporation by governments or courts.





These are often controversial.Source: Wikipedia

Difference between a corporation and a sole proprietorship:

The basic difference between a sole proprietorship and a corporation is that after incorporation the company becomes a separate legal entity.

It can act as an individual on its own behalf.

The owner of the company can be one or many.His say depends on the percentage of shares he owns in the company he is legally separate from the company.

Unlike in a sole proprietorship, in a corporation, its shares can be listed on a stock exchange for trading.Of course, subject to the terms of the relevant stock exchange.

Also a board of directors is appointed by the share holders to deal with the business the company handles.In many countries the board of directors are held liable for many of the company's actions and can be prosecuted.

A Chief Executive or Managing Director is appointed to head the management team.This team deals with the task of running the company on a day to day basis.In closely held [owned] corporations, the owners are often on the board of directors and in senior positions of management.

Every corporation must have at least one director and a shareholder.In international business corporations usually there is a requirement of at least one director and shareholder also.

Residency requirements and nationality varies by tax haven jurisdiction.Every country and state have different laws for incorporation.The jurisdiction must be chosen based on the specific purpose the company is being formed.

Articles of Incorporation:

The Articles of incorporation is the document which describes the basic information about the company.

And its intent of formation.The name of the company, its registered office, list of board of directors, basic rules and regulations are the key points covered in it.

Clarify everything beforehand!In many countries there still exist complicated and bureaucratic laws for new onshore corporations.

It is essential for a new investor to know incorporation basic facts, rules regulations of the concerned state or country.Perhaps even hire some lawyer or a registration offshore company to handle the incorporation procedures.

Incorporation basic facts about the international business corporation:

International Business Corporation has become trendy with investors due to many financial and non financial reasons.

Some specific incorporation basic facts dealing with the offshore corporations are discussed below:

* A simple offshore business incorporation has become easy and is not a lengthy or tiring task any more.

[Unless you are in a jurisdiction that requires lots of documentation.]

* In most cases this cannot be done by the investor himself.

He must appoint one of the many offshore incorporation service providers available for this purpose.

* Many countries now have tax free zones for offshore incorporations and you can easily avail of them.

* Your wealth will be protected against legal issues.

* Due to rapidly increasing offshore incorporations, many registration offshore company service providers have started incorporation of shelf companies.These have been incorporated in the past and are just waiting to be bought.

You will get them quickly especially if due diligence has been done on you.Also, if this is not your first company with the registration offshore company.But you will pay more than for a new company.

* All the basic work for incorporation is done for these readily available offshore companies for sale.You just have to buy and start your business.

* For various reasons, all countries put some restrictions on foreign investors so it is better to be aware of your constraints before incorporation.

Things mentioned above are just incorporation basic facts and in no way cover everything.But this information is a start and should trigger other questions in your mind!

Ramapati Singhania specializes in creating and managing web businesses.

His

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# posted by Smart Man @ 4:37 AM

Most people that enter the Forex markets for the first time are there to make money and rake up the profits.Unfortunately, they don't understand the potential pitfalls they face and consequently fail to succeed.These traps can easily be avoided if they only knew how.Below you will find the three most common mistakes novice investors make and the steps they can take to avoid them.

Mistake #1: Lack of Knowledge.

So many newcomers read the sales pitches made by the Forex software trading systems and are under the impression these pieces of software are a means to an end.Make no mistake about it; these are fantastic products which are requirements in order to be a successful investor in the currency markets.But, if you fail to understand Forex trading from the fundamental concepts to the most complex trading techniques these systems will be of little use to you.

In fact, this is trap number one which cost investors large sums of there capital relying on the software and not there knowledge.A few of my favorite Forex courses were you can acquire the expertise you need are Straight Forex, Fap Winner and The Forex Brotherhood.These are currency mentoring programs and are the best classes on the internet.

Mistake #2: Chasing Average Trading Opportunities:

It will be very difficult for you to understand this common mistake if you have not traded before and had some huge winning investments.

New investors will making a killer trade and want to jump right back in and do it again.They forget the reason they got the first one in the first place, which was patience and waiting for the right opportunity.There are many great investment opportunities out there, but they don't come along every day.

Some times you will have to sit are your computer for three or four days and examine the data and nothing will present itself as a great investment.So, instead of waiting for one, new investors will jump at average ones, that some times work and some times don't.You don't need to do this, only a few great trades a month will make you a very rich person, why even bother with average ones?It makes no sense at all.

Mistake #3: Over Utilization of Margins:

New investors see how they can control large amounts of currencies with very small investments, which are called margins and they are under the impression this is just fantastic.

Talk about entering a snake pit filled with cobras.A margin of 50 to 1, 100 to 1 or even 200 to 1 can wipe out your account faster that you can say, "I am broke." There is good news though, which is that there are techniques that you can utilize that will make margins work for you instead of against you.These can be learned in the Forex courses I mentioned earlier.

If a new investor was to do noting but avoid the three most common mistakes I mentioned above they would almost assuredly be a successful trader.Please before you start investing to be sure to learn Forex trading and after you purchase your Forex trading system practice with a demo account that you can get at a Forex brokerage firm and you will be well on your way to become a cash crunching Forex machine.

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# posted by Smart Man @ 2:51 AM

Direct sales offers great work at home opportunities that allow flexibility.Many people love meeting new people and booking home parties to present their goods but what happens when the bookings dry up?How much begging and pleading can you do for that one party without sounding desperate?

Learning some tips about network marketing can actually help you attract more people to book parties or order merchandise.If you get really good at it and really sell your business opportunity you will also have good luck growing your downline, or team members.Network marketing is not difficult but those with outgoing personalities will have more success.

Network marketing is simply talking, or networking, with other people in your target market and encouraging them to either buy products or become a part of the company.The great thing about creating a downline is the ability for each salesperson to build their own individual sales down line.You can be reaching hundreds of people a day in no time flat though all these different connections and earning money on each purchase.

Before you dismiss the method, let's remember that some of the most successful businesses today are in fact network marketing based.If you have any doubt look at the sales figures for companies like Mary Kay and Avon.Both of these are poster children for network marketing in this country.

These of course are the cream of the crop; however, there is no reason why you cannot experience the same level of success with your chosen direct sales company.The key is to not re-invent the wheel; when something works why would you want to fix it?That said; let's look at how these two companies work.

Both of them supply their representatives with sales tools.Mary Kay sells their reps an affordable product sample kit while Avon provides theirs with catalogues, and generally, the first few are free.You can use either method or a combination of both to get something in your clients' hands that attractively highlight your product.

The next major key and perhaps the more difficult one is to find passionate people to spread the word about your product.Your compensation plan will go far in this aspect but it will not be enough.Your sales team will need a product that they can get behind; when someone believes in what they are selling they can overcome many objections, and their enthusiasm can be contagious.

Communication with your team is paramount to your success.Use these times to raise flagging spirits, come up with new marketing ideas and to build relationships.A close personal connection between team members will result in better productivity, which in turn means more sales.

Design a fair and equitable compensation plan.While this is not the main reason people will stay with you it is still an important aspect.Your team will be loyal because of things like job satisfaction, pride in the product and a feeling of unity.

Nevertheless, these feelings will quickly cool if they cannot make a decent amount of money.Hold contests and reward extraordinary effort promptly.Your down line is the lifeblood of your network marketing business.

Finally make it fun, keep your goals in front of the team at all times but do not make it drudgery.Many people will join your team on a part time basis then increase their efforts because of monetary compensation and enjoyment.Who doesn't want to make a living and have a fun time doing it?

Chris Simpson is dedicated to helping people find honest and legitimate work at home ideas and home based business opportunities.

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# posted by Smart Man @ 3:43 AM

The popularity of an awards night is unquestionable.The Oscars and the BAFTAs are still the most exciting nights of the film industry's social calendar and The BRITs and MTV Music Awards get beamed to millions of viewers across the world.But it doesn't stop there.Companies wishing to raise their profile amongst their industry peers or wishing to say a special thanks to their customers and employees are increasingly choosing to stage their own version of a red carpet event.

London has become a sought after location to hold an awards ceremony.Companies are seeking the services of a London Venue Finder to get them the perfect venue for their particular event and with so many good venues in the capital the need to identify the best and most appropriate has never been so great.

More and more companies are looking for an exciting and unusual venue, with a flexible and unique approach to holding a function or event.The role a London Venue Finder plays in this process has changed significantly in the past few years as a result.Now there is not just the need to find a venue that can accommodate several hundred people but other requirements that may have seemed completely off the wall a few years ago are now the norm and unusual requests are commonplace.

These demands are also separating the wheat from the chaff.If a request is turned down then it is more a reflection on the organizer than the customer or client.The best London Venue Finders will never turn down a request and will go out of their way to accommodate even the most difficult requests; themed venues, special guests, fancy dress, special menus, interior design and facilities like swimming pools and gyms are all now as much a part of planning an event as the color of the tablecloths and the choice between red or white wine.

The customer's need are paramount and any venue under consideration needs to reflect those needs.It would be inappropriate for some companies to hold an awards ceremony in a nightclub and a quieter or more sedate venue would be better.Likewise some companies need somewhere a bit livelier and require something that doesn't resemble the local library!

There are three areas to consider when searching for the best possible venue; location, facilities and size.Getting the right combination of these three factors will ensure that any awards ceremony has the right combination of entertainment, comfort, safety and usefulness.

Location - Probably the most important factor as it can involve transport considerations, accommodation and opening hours.The location can also be a reflection on the type of company who are having the ceremony.A good London Venue Finder will find and appropriate location that reflects the company.

Facilities - Obviously the biggest requirement under facilities is disabled access.Any good London Venue Finder will not even consider promoting a venue without such facilities but there could be other requirements.Many award ceremonies involve the sports and leisure industry.They may require fitness facilities for before and after the ceremony.

Size - It's important to get a venue that is suitable to the number of people attending.A good London Venue Finder will be able to offer several different options so no matter how many or how few people you are catering for you will not feel that you have been limited in your choice.

Dominic Donaldson is an expert in the corporate entertainment and hospitality industry.

Find out more about London Venue Finders and corporate entertainment.

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# posted by Smart Man @ 2:31 PM

We all know that leaflet distribution is one of the most basic forms of door to door marketing campaigns available to a company.It also has the added benefit of allowing the success of a particular distribution campaign to be measured.

With many forms of advertising, it remains consistently impossible to rate the success of a campaign without vox-popping every customer that comes through the door.Not so with the use of leaflets.

One of the ways that successive campaigns can be used as a yardstick to measure a return on investment is by incorporating a promotion into the printed advertising material.Typically this would be a money-off code or voucher that will be surrendered at point of sale or booking.This allows direct analysis of expenditure over income in a particular campaign.

Having a variety of promotional campaigns with varied offers will allow an understanding of which area yields the most favourable reaction from a potential client base.By targeting certain areas that have a high yield, and choosing to drop a campaign in less responsive demographic areas money will be used to the best advantage.

This method relies somewhat on trial and error, but there is help available out there to help focus your door to door marketing strategy at a target audience.Distribution companies have reams of data on the populous, from age and sex to ethic background and favourite pastimes.

By using this information collated from surveys and censuses, it is possible to produce a leaflet distribution package aimed at the right potential customer.This type of consumer targeting is successful in big name retail and countrywide events.

Despite this success, leaflet distribution is generally synonymous with the promotion of local services.Localised door to door leafleting helps to promote local offers from supermarkets alongside the services of a window cleaner, gardener or mobile car valet service.

The one area where this has success that can be measured above the rest is in the fast food industry.The use of leaflet distribution to promote pizza, kebab, deep fried chicken and various other take away options is more likely to result in increased sales than any other type of marketing campaign for that industry.The secret is simple.

The way a leaflet is designed uses something called a call to action.This essentially encourages the customer to order or enquire about the product.This can be comprised of simple statements such as 'call now', 'buy now' or 'order now'.Because the leaflet can be used as a menu, there is an added advantage for the fast food sector.

Not many other industries can use the small scale advertising media as a catalogue of products.It is because everything the establishment can offer is on one advertising medium that the consumer responds so well.This is known as product placement, and essentially, this allows the food to be placed in the home before an order has even been made.

The very nature of fast food ordering relies on a certain apathy within the consumer to hunt and gather supermarket food, and therefore allows the medium of door to door leaflet distribution to be a quick fix solution.It also has the greatest potential feedback rate of any door to door campaign, as a delivery to an address is confirmation that a campaign has been successful, and continues to be so.

Dominic Donaldson is an expert in the marketing industry.

Find out more about leaflet distribution and how it could boost the profits of your business visit Mailbox Nationwide.

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Labels: creative idea, finance news, viral marketing

# posted by Smart Man @ 2:44 AM

In an environmentally conscious world, filled with pleasure seekers and international travelers, there is a seemingly significant absence of eco-friendly hotels.That is to say, if you don't want to room in a hut while on vacation, there are limited environmentally friendly choices when choosing where to stay.

Fresh new hotel chains are now getting some attention, since they offer the eco-savvy traveler a place to kick off their Birkenstocks, as well as a place to take pleasure in the modern amenities of the 21st Century.

For example, chains like Oriens Travel and Hotel Management Corp.give peace of mind to travelers who pay attention to preserving the environment, especially in the fertile jungles and environs of developing countries like Costa Rica, Panama and Nicaragua where eco-friendly hotels are primarily located.

Eco-friendly hotels make energy conservation and waste disposal core concerns.In simple terms, these hotels want to impact the environment and protect the surrounding ecosystems for future generations of the local inhabitants and the eco-savvy traveler.

These new brand of eco-friendly branded hotels provide clean, upscale styles to the traveler looking for economic accommodations.Guests can enjoy crisp clean interiors and world-class service at a fraction of the cost of three and four star hotels.

Rooms can come complete with all-white bed sheets to all-white linens.Some sport white porcelain tiles with subtle shades of grays.Free flowing window drapes and contemporary furniture complete the white, South Beach Miami concept.

Some lodging accommodations of these new hotel chains are 3.5 star hotels with warm and cozy interiors.Rich colors and textured woods make these hotels the perfect place to relax and get away from the world.Some are designed with elegant Mediterranean-style architecture, modeled after the traditional Spanish paradores and quaint European boutique hotels, makes these resorts unique in selected regions.

These hotel locations offer all the expected amenities of a four-plus star resort, coupled with European refinement and a warm tropical touch.
Some of the eco-friendly hotels even have resorts bed and breakfast style locations that place an emphasis on cleanliness, tidiness, exceptional services, and most important of all, affordable pricing, aimed at drawing in the eco-tourism market.

These properties are a wonderful experience for someone looking for a quiet retreat, warm intimate services and a relaxed atmosphere.Their bed and breakfast style accommodations offer travelers a less corporate atmosphere.Each location may have no more than 25 rooms, giving guests the opportunity to embrace pure tranquility.Services can still be very impressive, some featuring complimentary breakfasts, Internet access and phone service.

These eco-friendly hotel chains offer a wide range of hotel and resort options to the eco-savvy traveler.Whether you are looking for that bed and breakfast to enjoy with your special someone, or just for an eco-friendly place to take your family, these fresh new hotel chains are now getting some attention, since they can offer the eco-savvy traveler comfortable and eco-safe lodging.

DISCLAIMER: This article written by e-media Direct, with the expressed permission of its client (OTHM), and the information and research contained herein do not represent a recommendation of investment advice to buy or sell stocks or any financial instrument nor is it intended as an endorsement of any security or investment.Neither e-media direct (including the author) can assess, verify, or guarantee the suitability of any particular investment to any personal situation and the reader of this article bears complete responsibility for its own investment research and should seek the advice of a qualified investment professional prior to making any investment decisions.

This article and any sponsoring websites are provided solely for informational purposes, and they do not constitute an offer or solicitation to buy or sell any securities.All opinions expressed and information and data provided herein are subject to change without notice.e-media Direct and their respective officers, directors, employees and/or associated entities, including the author, may have positions in and may from time to time make purchases or sales of the securities discussed or mentioned in this article.e-media Direct, Inc.has been compensated by a third party consultant ten thousand dollars in cash.In exchange for this compensation, OTHM will receive investor relations services, this written article and promotion of this article on e-media Direct websites, other non-e-media Direct sponsoring websites and various media forums.

Rodney Marvel is currently the Director of Operations for e-media Direct (www.

e-mediadirect.com).He has five years of experience in the marketing and financial industries.You can contact him at: http://www.e-mediareport.com or rmarvel@e-mediadirect.com or 866.284.2835.

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# posted by Smart Man @ 4:45 AM

What have new cars which are more friendly to the environment with lower carbon gas emissions and increased m.p.g.have in common with the present day unprecedented turmoil in the financial markets of the world in which United States sub prime mortgages have featured so much?

A well known French car maker has embarked on a new project to look into the feasibility of mass producing an ultra environmentally friendly car based on their new, well acclaimed concept car which is currently on show at the Paris Motor Show.

Through their new concept car they are now taking a new approach to an eco friendly vehicle.Among their imaginative radical ideas are a much simplified design and the reduction in the number of components thereby leading to a much more lightweight car.

Without compromising comfort or safety among their ideas will be the ability to remove the dashboard and instead of a door constructed of 12 components there will be only 2 parts made from recycled materials and their power units will be ultra economical with minimal carbon gas emissions.

All the above will contribute towards a vehicle to match the environmental and financial requirements of markets in our economical challenging world of today.

Now while the above illustrates a good positive side of the car industry the other side of the coin is a HUGE sub prime car market in the U.S..Never heard of it?Then pin your ears back and listen.

The U.S.sub prime car loan business has been ongoing since at least 2004.The industry figures for 2006 reveal that automotive dealers initiated nearly $50BILLION in sub prime new vehicle loans.

Of the near 10 million customers in 2006 just under 2 million were in the sub prime category who leased or financed a new car deal either with a bank or financial company.

For clarity the term sub prime relates to a customer with a Fair Isaac Corporation (FICO) Classic Auto Score below 650.Sub prime customers normally have longer loan periods,an extra 6 months, than non sub prime and are also able to secure a loan with a lesser deposit of under 12% compared to the normal rate of 17.5%.

With no firm figures to hand for later than 2006 the possibility is that anyone who has defaulted on their sub prime mortgage is likely to default on their car loan.The only saving grace with the car loans is that they are fixed rate throughout their term rather than variable as with mortgages.

The sub prime car business accounts for approx 25% of all car loans and leases in the compact car section which means most European car imports into the U.S.should not be affected as most of these imports are in the luxury up market section.

The U.S.auto market had tried to adjust to the then current economic situation by adjusting their lending criteria to take account of customer profiles.The intense pressure on the car makers and retailers to meet sales quotas and market share led them to practically sell to anyone, which has led us to where we are today, in the biggest mess anyone can remember.

To sum it up, the market demanded sales quotas and figures be met, the rules were changed to allow this and all due diligence went out the window, for what, for GREED.

The repercussions have started for EVERYONE.

Bill is now retired but as a keen motorist has driven on most continents of the world and has a keen interest in environmental issues, these account for only a couple of his many varied interests.

For further info on the Water4gas fuel conversion system please visit..http://www.the-car-hub.co.uk/

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# posted by Smart Man @ 2:43 PM