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A worrying fact is that a quarter of children are classed as overweight before they are old enough to start school.That figure is one in three by the time they enter secondary school at the age of 11.

Obesity can be related to a range of health problems including diabetes, heart and liver disease and even cancer.In less than a decade since 1999 the number of doctors' prescriptions for obesity drugs rose from 127,000 to more than a million.And now the insurance companies are going to make the fatties pay.

The Body Mass Index (BMI) is the tool used to calculate whether a person is of 'normal' proportions, or 'overweight', or 'obese', which is anyone with a BMI of over 30.This is the figure at which many insurance companies start charging up to 50 per cent higher premiums.In the past a BMI nearer 40 was used, but as it became clear how serious Britain's obesity problem was, the figure was lowered to 30.However, they might decide to drop lower still, heading closer to the 25 mark where the 'overweight' category starts.

If you are obese and also have other high-risk factors such as being a smoker or suffering from certain medical conditions, the increase in the cost of your premiums could soar to a staggering 400 per cent!

An example for 150,000 pounds of life cover for a 55-year old man in good health, who is a non-smoker of normal weight, is about 1,000 pounds a year.Let him become obese and his 25-year policy could cost him 500 pounds more.

Not all insurance companies use the same BMI rate.The second largest insurer, Norwich Union, uses 35 as the figure at which to raise the premium costs, and the third largest, Friends Provident, goes from 33.

Legal and General, Britain's leading insurer, uses a BMI of 30, and said that 13 per cent of new customers would have to pay the higher premiums.

L and G's director of underwriting and claims, Russ Whitworth said, "Most people understand that poor diet and lack of exercise can lead to health problems but they might not realise that being significantly overweight would also make their life insurance more expensive."

"Although it is not an exact science, we find that BMI is the best indicator of the risk of being overweight, so it pays to stay in shape.

"

The Association of British Insurers backs its members' decision to charge higher premiums for the obese, claiming that it is no different from charging more for a smoker or somebody with a previous medical condition.

Problems could arise for super-fit sportsmen who would have to convince their insurers that their high BMI score is due to building up solid muscle rather than being obese.It's no point being economical with the truth when an application form asks for your height and weight.In the event of a claim, the company won't pay out if it catches you out in a lie.The Financial Ombudsman Service says it constantly throws out cases where a claim has been rejected for this reason.

Recently a man of 37 claimed on his application to be six foot tall and to weigh 16 stone.When he died of a blood clot five months later it turned out he was only 5 foot nine inches tall and five stone heavier.Needless to say there was no pay out.His premiums would have increased by 275 per cent if his true details had been known, but his claim would have been valid.

The Financial Ombudsman ruled that there was such a difference between what he put on the form and what he actually measured that it couldn't have been a mistake.

Matt Morris, a policy adviser at specialist financial advisers Life Search, explained, "In an ideal world, insurers want the healthier clients.There is an element of cherry picking.They don't want the burden of the heavier client."

The Prudential is doing something to help.

It now offers free gym membership, and if you use it at least twice a week you get a 2.25 per cent discount as well.

Get great deals on Life insurance from The Life Insurance Protection.

Please visit our site for helpful articles on Life Insurance.Visit Brokers Online to benefit from its extensive article library covering most areas of uk finance.They also offer Life Insurance Quotes, Mortgage Quotes and much much more all online.

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# posted by Smart Man @ 4:41 PM

Private insurance is seen as a safety net if problems arise due to the risk of unemployment, debts, repossession and the possibility of illness.If someone has a 100,000 pound mortgage, an increase of ten to twelve pounds a month would provide cover for the insured for the interest per month paid on the mortgage, should they run into problems.

With personal debt now totaling over a trillion pounds, the Government is pushing these new initiatives on private insurance.Bankruptcy is increasing and home owners are coming under pressure if they miss repayments on their mortgages.The possibility of repossession is worrying and frightening.

It's ironic when you realize that the taxpayer has coughed up some 8 billion pounds in benefits over the last 10 years in mortgage interest payments to support the unemployed.The treasury is now trying to off-load this onto to the responsibility of public and mortgage lenders.

Insisting that compulsory Mortgage Payment Protection Insurance (MPPI) should be enforced would not be a popular move as it increases costs when buying a house, and some experts are of the opinion that the Government should impose that expense onto the lenders, to come from their profits.It is no secret that building societies and banks make massive profits on selling MPPI and premiums are currently around 800 million to 1 billion yearly despite only just under a quarter of buyers having made the purchase.With the profit on this being 250 to 500 million pounds, you can follow the Governments way of thinking.

What the Government realizes is that 75 per cent of homeowners are left without protection if they fall on hard times.It's true that the benefits system is in place and gives support via Income Support for Mortgage Interest, but there are limitations on claimants.

The advice from the Council of Mortgage Lenders (CML), the voice for banks and building societies, is for first-time buyers to take out insurance to protect their homes.However, they are strongly against making MPPI a compulsory product, especially if it increases the buyer's outgoings.

The CML believe that if the industry has to absorb this cost then the outcome will be that mortgages will go up as this money will have to come from somewhere.Even if it is not seen as a separate premium, it will be built in and will increase the overall cost.In their opinion margins have been squeezed for some time now and it is making it impossible for firms to absorb this extra too.

The CML think that people should be free to make their own choices and arrangements with regard to this insurance, which may not be appropriate for everyone.It could be that people may have sufficient protection from other insurance, or through their employers or possibly substantial savings.In this case it would be unreasonable to enforce someone over insure.

Iain MacQueen-Sims, credit and debt expert of Omnichek, does not agree with the CML His opinion is that by making MPPI compulsory it would create a safety net and that it shouldn't add to homeowners costs.The lenders can easily fund it without any price increases and they should show some loyalty to a market where they do very well out of their customers.

A draft of the European Directive on the mortgage market is in favour of compulsory MPPI in all member states as a standard procedure.A spokesman for the Department of Work and Pensions has stated that "anyone taking out a mortgage should think hard about protecting their income."

Interested in getting a quote on Mortgage insurance?

Please Visit Understand-Mortgages for more information and other resources.Our sister site Brokers Online offers cutting edge articles and information about Mortgage Insurance and other financial products.

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# posted by Smart Man @ 3:53 AM

We have been dealt a hand which is very difficult to play with any sort of confidence.However, we must realize that hardly anybody is holding a good hand, and thus we are not necessarily down and out.From now on, it all comes down to skill and a little bit of luck.

Of course, it is all to do with money.In some cases the safety of it, but mostly the lack of it.Include the malady of housing and jobs into the equation, and this should be sufficient to give most people a king sized headache.

There is no percentage in moaning or being depressed.Hard times can often bring great opportunities and the sooner one looks for them, the better.How many times does one hear of needing luck to be in the right place at the right time?It is more likely, that great effort needs be made to make sure to be in that right place at the right time!

The ability to anticipate with a high degree of accuracy the pros and cons of whatever venture one wishes to succeed in, can only be achieved by taking the bother to become knowledgeable and well informed .Good anticipation is the key to win whether it is in tennis, chess, football, or in any kind of business.It is also important when needing to get out of problems.

People who do their jobs with feeling, care, and interest are the last ones who are made redundant because they are in the indispensable bracket and are released only if there is no other way.A good employee is always noticed.Although skill is vital, willingness also plays a major part.

On the housing front, if you are selling, you expect to get less than you would months ago.Equally, if you are a buyer, you expect to get a property much cheaper now than months ago.Since everyone has to live somewhere, in theory one thing should cancel the other.There are of course people who buy and sell or build houses as a business, and who have come to a halt at the moment.They did have a good run for their money nevertheless, and one cannot be on a winner all the time.

The difficulty of being able to borrow money with ease, or if at all, does have a huge bearing on the housing market or car market and many other cases, but on the other hand, it stops the ones who are reckless in their spending habits, albeit it does not help the economy where spending keeps the wheels turning.

Many will not be able to keep up the lifestyle to which they hooked unto.Some will have to go back to the spending limits which they knew all about before the boom days, while others will have to tighten their belts within limits they never experienced before.All will have to be resilient to difficult times in order to succeed.

One must come to terms with rising unemployment during a recession period, but it is essential to keep a positive outlook on things.The way forward has to be to recognize that the more knowledgeable one is, the more indispensable one becomes.

Time is always valuable.If you have less work and thus more free time, never waste it.Keep perfecting your skills, and this will propel you ahead of your competitors in due course.

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 @ 6:16 AM

Critical Illness Cover (CIC) pays you the lump sum insured, which is tax-free, if you are diagnosed with a life-threatening illness which renders you incapable of working.

People are living longer with conditions which might have been a death sentence a decade ago, thanks to advances in medicine and treatment.

Insurers are finding that while life assurance claims are dropping, they are having to honour more and more claims on CIC policies.The result of this is that the cost of CIC is becoming a lot more expensive than life cover.If the number of CIC claims fall then inevitably the cost of premiums will fall too.

The cost of Swiss Life and Legal and General's CIC has risen by around 20 and 25 per cent respectively.But the likes of Norwich Union and Scottish Equitable far outstrip them in the price rise race with increases of up to 60 per cent.Other providers are looking to charge more for CIC as well as the market speculates over the definition of 'life-threatening illness' and medical science makes giant strides in the management and control of certain conditions.

The Association of British Insurers has looked at cover for prostate cancer and heart problems, for example.If these illnesses are discovered early on they are no longer deemed to be 'life-threatening', at least for some sufferers.Another example is diabetes.Currently BUPA is the only insurance provider which still allows this condition on its list of critical illnesses covered.

Kevin Carr at broker LifeSearch explains, "Although this type of insurance was originally known as 'dread disease', many of the conditions currently covered by critical illness policies are becoming quicker and easier to detect and treat.Hence insurers have recently found themselves paying out on claims where the condition was not life threatening, which isn't the purpose of the policy."

A CIC policy usually runs for an agreed term, for example tied in with the length of time on a mortgage, and there is no change in the premiums.

The premiums are expensive for this cover.Insurers are now looking to offer reviewable policies where both the illnesses covered and the premiums paid are revisited every five years, which should cost a good bit less.

Rye Mills, group director of the independent financial adviser division of Liverpool Victoria, reckons that more people will choose the reviewable policies as they become considerably cheaper than the guaranteed cover.As he says, "At the end of the day there's a price to be paid for the peace of mind a guaranteed policy gives."

Legal and General still offers a guaranteed CIC but has put its premiums up for that.

It has launched a reviewable policy as an alternative.Scottish Widows and Skandia no longer provide guaranteed CICs.

Ronnie Martin, protection director at Legal and General, explains, "The reviewable price will be typically [around] 15 per cent lower than the guaranteed cover."

An existing guaranteed CIC policy cannot be altered to redefine any illnesses which are currently classed as 'life-threatening' but which may not be in that category in the future.

So if you have one of these already and are happy to pay the premiums you don't have to worry.

If you are planning to take out a CIC policy expect to pay less for a reviewable policy.But if you want the extra peace of mind a guaranteed policy offers, get it quickly while there are still some around, and remember you'll have to pay the extra price.

Interested in getting a quote on Life insurance?

Please Visit the Life Insurance underwriters for more information and other resources.Our sister site Brokers Online offers cutting edge articles and information about Life Insurance and other financial products.

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# posted by Smart Man @ 4:00 PM

One of the easiest - and in fact one of the oldest ways of making extra money - is by collecting old newspapers and selling them to a recycling plant in your locale.

Believe it or not, you can develop a very respectable income collecting and selling paper to the recycling centers.It certainly does not take any education, specialized training or experience; it's as simple as saving your old newspapers and turning them in to a central collection depot.

Some "paper recyclers" are making more than $100,000 a year in this business.If other people are doing it, then there's no reason you can't do it!About the only equipment you'll need is a pickup truck or trailer that you can pull along be hind your personal car.We even found one "old timer" who was collecting paper in this era with a pushcart!While interviewing him, we found that he was deliberately choosing not to expand, although he very definitely could have.

The prices being paid for paper these days by the recycling centers will astound you (and remember that the quotations we give here may have escalated sharply since our research).For instance, old news papers are commanding $50 per ton and more; used cardboard, $75 a ton; and high grade office paper as much as $120 per ton.This kind of money for used paper that you can generally pick up for free can move you onto Easy Street in a hurry.Everything, of course, depends on how well organized you are, and how hard you work at building your business.

Make no mistake about it; we live in a paper world.Americans use 200 million tons of paper each year - for everything from daily newspapers to books and cardboard boxes.After quick use, we throw away at least 100 million tons of this paper, almost all of which could be recycled.This means that there's about 8 billion dollars worth of paper out there that can be collected and recycled each year.So if you are looking to start a business with real profit potential, what are you waiting for?

Just look around your own home, in the garage or basement, for instance.What do you do with the old newspapers after you've read them?How about all the mail you get each week?Chances are this waste paper just piles up in some corner of the garage or basement until one of the kids asks if he can haul it off for the school or Cub Scout paper drive.Or maybe your wife and kids get ambitious some weekend, clean out the garage and haul it all off to the collection truck at one of the local shopping centers.(We said maybe!)

It's true that selling stacks of newspapers you've accumulated during the past couple of months or so won't make you rich.

In fact, it's doubtful your own accumulation of paper will add up to a ton a year and that certainly won't amount to much in extra income.But think about the tonnage involved in the stacks of old newspapers you could collect from your relatives, friends and neighbours.You could easily collect a l00-pound sack of old newspapers from the people in your neighbourhood each week - and that's your immediate neighbourhood.

And then think about the total extra income you would have when you have hauled all this paper down to the recycling depot.If you're serious, and get yourself properly prepared, you can easily make $300 or more every weekend, and it won't involve all your time.Some planning and effort on your part are the prime requisites.

This business takes organization, some energy on your part, and at least in the beginning, your time.But if you put forth the effort as we have outlined, there's no reason you shouldn't easily realize a very comfortable income with your own RECYCLING BUSINESS.

Uchenna Ani-Okoye is an internet marketing advisor and co founder of Top Affiliate Programs

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# posted by Smart Man @ 4:10 AM

There are many ways to perform research.In times of uncertainty it is very important your wallet invest in the right amount of information and tools in order to make money online.Whether its wholesale video games, general e-commerce or the latest get rich quick $10 bucks solutions are being advertised: before you invest money you should perform your own conclusions on whether it would be suitable for you to invest $1,000, $500, $100 on the latest solutions for making your life simpler.

When you need a flat screen TV, chances are that you are going to be very excited no matter if it is your first one or your fourth one and you are going to do your research on what is the best purchase for your money.On the internet there is practically the same.Excitement or not, you need to perform your own research on whether what you are buying will help you in any physical or intangible way.

As wholesale business, especially around the sale of video games at wholesale has been a semi-automatic type of business.Whether it is on your websites to pull more profits, on auction sites or on your own local shop, must of us need to do our own business investigation for the safety of our pocket.The FBI is a remarkable resource of information if you happen to work as an agent, but if you cannot work as an agent, today when it comes to research there is virtually no need to get desperate to find the answers you need when you have the amount of power in tools and resources readily available from some internet sources.

Making a purchase on the internet for the first time can be somewhat of a worry if you have never bought from the source before.Back a few years ago I published an article on how to trace people in a legal and right way.But on times of uncertainty, the amount of scams and get rich-quick for bringing solutions on desperate people for $2,500, $1,000 and many hundreds of dollars for materials has skyrocket.The problem is the approach and how they advertise themselves.

If someone calls you on behalf of someone in order to coach you, you should build rapport the person offering you the services while he or she makes you questions.Interesting enough, I have receive around 4 calls since the beginning of the year, and the majority of the calls do not originate from the country or source they are promoting themselves from or as who they say they are.

There are many effective tools you can use; all readily available on the internet, to catch a liar, scammer, or anyone that wants to make a quick buck out of you.Worst thing, the majority of them calling cold call and do not know who you are.But for those people who think know more than you, start doing your research on just one additional tool on the internet.

The tool secret phrase is: reverse phone look up.Much of these tools are not legal if you are in the US; however, I must say that when someone is promoting their hook by phone and you do not anything about them; in order to save and protect your money, you should find legal ways to know who this advertisers are.

If your ethics and integrity makes you question, get someone to do it right or legally for you.While there is no legal advice here, there are just so many ways to know where the source is from and what the intensions are, legally.Just remember that there are many more ways to know more about what you are buying online, whether it is to make real money online or whether it is to entertain yourself.

Finding a Wholesale List 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 Video Games.

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# posted by Smart Man @ 4:11 PM

You have been around business long enough to know about what good marketing means to a business.What you also need to know about marketing is not just the how to keep track of marketing trends.

You have just witnessed a huge change in marketing trends.Think about what is happening to newspapers.Advertising is one way to market yet newspapers are folding because business is taking their advertising budget to the Internet.The trend is away from brochures and ad space and toward the Internet.

If you are going to be smart and keep track of marketing trends, then you must also watch for the trends that take place on the Internet.Five years ago very few companies were using blogs in their business to keep in touch with customers.Today there are tens of thousands of businesses using blogs in a variety of ways to market their products or services.

One recent marketing trend is using Social Networking for business.Twitter was not around three years ago and today entrepreneurs are tweeting to promote their services and products.Facebook used to be for college kids.Today businesses have their own private groups of customers and clients with whom they keep in touch.

To be absolutely clear, no matter how good your product or service, clients and customers will not find you unless you tell them that your service exists.You need to promote and you need a marketing strategy to get you there.

You need a marketing strategy to keep you on track for what you want to accomplish in your business.Today there are so many options for promoting your business you could get lost, spending all your time and budget on promoting with little time and money for doing your business.

Your marketing strategy includes everything you do, from the way you answer the phone to your customer service, to your invoice format.However, to maintain some kind of order and not be completely overwhelmed, I separate marketing into those things that are clearly promotional such as advertising, your brand, press releases, teleseminars, special events and promotional tweets.

It is easy to become confused about marketing terms because they are often used interchangeably.The fact is they refer to different but similar activities.

Advertising, for example, is bringing a product or service to the attention of your customers and clients, potential and current.Advertising usually focuses on one particular product and can consist of print, signs, email, brochures, blogs, teleseminars, radio, social networking, web sites, and direct mailings.

Promotion is how you keep your service or product in front of your clients.It involves publicity and ongoing advertising.Blogs are very good for promoting an event or service.So are social networking sites such as Twitter, Linked In and Face Book.Press releases, websites, affiliate programs, samples and free products are all part of promotion.

Public Relations include ongoing activities so that your business has a strong image to your clients and potential clients.Public relations activities help the public understand just what you do or what you sell and how that will help solve their problems.Public relations is often conducted through the media including traditional newspapers, radio and television as well as internet radio, teleseminars, and social networking.

Viral Marketing is any marketing technique that encourages Web sites or users to pass on a marketing message to other sites or users, potentially creating exponential growth in your business.For example, Hotmail, now owned by Microsoft, promotes its service and its own advertisers' messages in every user's email notes.Other names for viral marketing include: fission marketing, organic marketing, referral marketing (borrowing a term used long before there was an Internet) and buzz marketing.

Your priority remains, however, how you are going to solve the problems of your clients and fulfill your customers needs.Marketing covers a wide range of activities to help you let your clients and customers know that you are the person they need to contact.

I invite you to learn how to build a profitable online business by learning how about marketing even if you are new to doing business on the internt.

Visit Internet Marketing Success for Bussiness.com

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# posted by Smart Man @ 6:22 AM

If you are a massage therapist and the economy has got you down, there may be an answer.If you are getting frustrated trying to build your business up, then these tips can help you be more successful.As people become more frugal with their money, frills and unnecessary expenditures are becoming a thing of the past.With this in mind, here are five tips to help you find the customers and clientele that you need to run a successful massage therapy business.

Okay you went to school, put in your time and are ready to make some money as a massage therapist.You may have had a passion for massage for quite some time, but then when you really get ready to get started the economy bottoms.Maybe you have been in business for a long time, but all of a sudden your business has become flat because of the stagnant economy.No matter what your situation, there is a way to build up your clientele list and ultimately your bank account.

1.First, you must get your mind right.You have to get out of the doldrums and quit listening to the naysayers.Quit watching TV and listening about how bad the economy is.If you have convinced yourself that you can do no better and are going to fail, then you will fail.

As Henry Ford said, "if you think you can or you think you cannot, you are right." If you act successful, then you will be successful.People will see your positive mental attitude and want to be around you.This includes prospective clients.

2.Learn to address your prospective customer's fears.Bringing up possible fears or objections will make the prospective client feel more comfortable and trusting toward you.Some people will not get a massage because of a fear or concern that they have but are afraid or ashamed to ask.By bringing up these concerns, you will gain their trust and help them to make the decision to make an appointment for the massage.

Sometimes it is their lack of knowledge about massage that keeps them from coming in or making an appointment.They may not know what kind of massage to ask for or how each type of massage is preformed, thus they do not want to look stupid by asking.Educating your prospective clients can go a long way to building trust, respect and a client list.

There are many ways to educate the general public some of which are forums, blogs, websites or print.A column written for the local newspaper or circular is a great way to introduce yourself and educate the public about massage in general.

3.Well targeted and focused ads can draw new clients.Run as many free ads as possible.These can be run in local circulars and some newspapers for free.Other outlets are classified ads on the Internet like craigslist or backpage.These will give you a high visibility for free.

4.Run specials and hand out flyers.Run a special deal that no one can refuse.You may be losing money now, but you will make it back up on the back end.Be willing to give now to get more in return later.This will build a loyal client base.Have an open house or vendor's day where you invite other non-competing companies to come in and offer their services as well.This could include a skincare specialist, a makeup artist, a body wrap, etc.

5.Visit companies and offer an on-site massage session at lunch or during the workday at break time.Offer the company complimentary massages as a way of introducing yourself and the company rewarding their employees.You may be able to charge the company a flat rate fee for a day of service, but you will have to feel them out to see if they are willing to pay.

By making a goal oriented plan, you can build your massage therapy business into a successful and vibrant business.These are just a few tips and there are many more to help you make a solid

Massage Therapy can be relaxing and extremely beneficial for your health.

Want free info?If you are interested in massage therapy as a profession or you are a massage therapist and want to increase your business, you can find out how at Amen Massage.

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Labels: marketing strategy, sams wholesale club, shareholders equity, wholesale depot, wholesale distributor, wholesale sunglasses

# posted by Smart Man @ 4:37 PM

The current financial crisis has caused some older workers to postpone retirement due to a drop in the value of their retirement accounts.It has also led to renewed compliance scrutiny.Additionally, a recent Supreme Court case (LaRue vs.DeWolff Boberg and Associates, February 21, 2008) ruled that companies can be held liable if employees lose money in their 401(k) due to negligence.Because of the explosion of 401(k) plans throughout the United States, the consequences of this legal action are potentially far-reaching.

Beware delays.

1.If implementing investment instructions is delegated to a third-party service provider, you need to understand the provider's system for implementing the participant's investment selections accurately and timely.With the increase in paperless transactions, this becomes extremely important.The service provider should notify the participant immediately of all changes in investment selections.
2.The Department of Labor is stepping up enforcement of timely remittance of employee contributions.The law requires employers to separate employee 401(k) contributions from their general assets as soon as practicable, but in no event more than 15 business days after the end of the month in which amounts are contributed or withheld from wages.For small plans, generally plans with less than 100 participants, employee withholding for retirement plans are due within 7 business days.
3.Employers might be tempted, either because of administrative convenience or cash flow needs, to delay contributions.But, in addition to the legal requirement, there is also the risk of harm to the participant's investments.If the contributions are delinquent, these contributions are not being invested timely.With the potential of significant market changes every day, this could cause investment gains or losses.If a loss occurs as a result of delay, it may give rise to lawsuits or, at a minimum, the need to make the participant whole.

Other Items to Consider.
1.For plans which participants have to Opt-In (participants choose to be in or not) update participants' selection annually including those participants which choose not to contribute.
2.For plans which participants have to Opt-Out (participants are automatically in and pay is withheld for 401(k) deferrals unless participant Opts-Out,) make sure you retain completed Opt-Out forms to retain evidence of participants' choice.
3.For Opt-In plans, consider an Opt-Out plan.The government is encouraging plans to become Opt-Out plans by reducing some administrative tests.
4.Given current market conditions consider having a financial planner give a seminar to update participants on their portfolios.
5.Not-for-Profit organizations with 403(b) plans will be subject to filing Form 5500 and are required to have an audit if their plan has 100 or more participants effective for 2009.
6.Check for unused forfeitures and discuss with your tax professional how these can be used such as offsetting matching contribution, profit sharing contribution, pay for administrative fees, etc.
7.Avoid having to make time consuming corrections due to errors in accumulating participant criteria for Benefit Plans.
8.Avoid penalties on plans which are subject to corrective distributions based on excess contributions.Plans need to complete their HC testing and compute and pay the corrective distributions within 2 months of the plan's year end to avoid a 10% penalty.
9.For terminated employees that have less than $5,000 in your plan, consider distributing their funds to them to lower the plan's administrative costs.
10.Prepare census and compliance testing timely.
11.Update files with signed designation of beneficiary annually.
12.For plans with multiple ending dates, review for proper inclusion of new participants.
13.Review computations with matching contributions for correctness.
14.Prepare timely all required Forms 1099R/1096 and Form 945 and remittance of taxes withheld.

Determine Your Audit Need
An audit can provide the documentation that you need to prove compliance with applicable rules and regulations.

1.Companies with 100 or more eligible participants at the beginning of a plan year must have an audit to form an opinion that the financial statements of the plan are presented fairly (ERISA Section 103.) The audit is included with Form 5500 filings.Note the word "eligible" is the key, not participants in the Plan.

Plans with fewer than 100 eligible participants at the beginning of the plan year are considered a small plan for filing purposes.Audited financial statements are generally not required for a small plan filing if specific requirements are met under the small pension plan security regulation.

Types of plans that may require an audit include:
Multi-employer
401(k)
Profit sharing
Health and welfare/VEBA

2.

Make sure that your auditor has experience with 401(k) plans.This is a specialized field.Knowledge of the Department of Labor's requirements is a must.Prohibited transactions, supplemental schedules, and certain footnote disclosures are unique to 401(k) plans.The more an auditor understands the 401(k) field, the more effective that audit will be.

3.Provide the auditor copies of all agreements with third-party service providers.If the plan has reviewed the internal control structure of a service provider, that review should also be provided.In any event, the auditor will need to satisfy himself of the internal control structure of the 401(k) plan and the provider's portions of the plan.This work should be performed before the audit.

4.Finally, before the audit, you should either provide or make sure your auditor has obtained all information and documentation requested.Contracts, investment statements, and participants' files are some of the more common requests.If your auditor does not prepare your 5500 form, they must review it.

Quality audits are very important to the 401(k) plan and your participants' best interests.Take steps now to ensure that you are in compliance!

Contact: Leslie Flinn, Director of Marketing, Warady & Davis LLP, Certified Public Accountants & Consultants, one of the top 25

CPA & consulting firms in the Chicago area specializing in employee benefit plan audits.

Contact: Leslie Flinn, 847-267-9600, lflinn@waradydavis.com,

http://www.
waradydavis.com

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# posted by Smart Man @ 5:35 PM

As a general rule of thumb, most people invest most of their time and effort in to things that lead to a better quality of life.We focus on the important things in life - things that make us happy, and for those that don't, pick yourself up and think positive!

But of course life is full of mundane tasks that we have to do in order to sustain our lives as we see fit.We have to pay bills, otherwise we will be cut off from whatever service we owe money to, we have to take care of ourselves and others around us and at some point in our lives we have to grow up, if only a little bit!

If buying a house or even marriage doesn't make you feel even a tiny bit grown up, then what will?Well, you will certainly feel you've reached adulthood when you make a will.

Making a will can be perceived as being a morbid process, having to face the fact that one day you will die, and also the prospect that today could be that day.Please don't stop reading, I promise to pick up the tone of this article, but let's face facts - we all, at some point in our lives will have to make a will, so why wait?After all it is fairly straightforward and not very expensive.

It isn't a particularly unpleasant experience either, it just demands that you divide your loyalties and make sure that you are totally happy with where your estate will go.So what exactly is involved in making a will?Well, in layman's terms a will is a legally binding document which states exactly to whom your estate - every single possession you own - goes to, minus any debt that you owe.

In England and Wales, you must be 18 or over to make a will, whereas in Scotland anyone from the age of 12 and over can make a will, although why you would want to think about anything other than football, climbing trees, eating sweets and grabbing your first kiss at that age is beyond me!

Apart from your estate, a will also gives clear instructions as to other important decisions that will need to be made when you pass away, such as: who your executor (who will administer your will) will be; who will act as guardian of your children; details regarding your funeral or if you would like to donate your body or organs for medical purposes or research.

Seven out of 10 people who die in the UK do not make a will - a staggering fact!This can cause a delay in being able to be laid to rest, and can also incur heavy legal bills if agreements cannot be made between relatives for the distribution of your estate.

An important decision to make is who you want as your executor to be as they will be left with responsibilities when the time comes, such as: having property and valuables professionally valued; funeral arrangements; sorting out debts and outstanding bills; arranging any other finances, including inheritance tax, pension entitlements etc; calling in assets; paying off debts and making sure gifts from the estate go to the right people.

So if you are in a civil relationship, co-habiting, married and/or have children - or if you're extremely wealthy - it really is a necessity to make a will.It's not particularly fun, but it is particularly grown up.

Shaun Parker is a solicitor with many years of experience in will drafting.

Find out more about making a will at http://www.willdrafters.com

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# posted by Smart Man @ 5:22 AM

When an individual or group of individuals embarks upon any business venture, one of the most important things they have to cultivate is name recognition.Indeed, one can make the best darned cherry apple cobbler on the market today, but if no one knows about it, this fact does the magnificent pie baker very little good.

A trade show is a great place to get your name out there and establish a foothold in your chosen industry.This is an especially beneficial marketing tool if the goods you are trying to market are unique but extremely useful to the buying public.

Thing is, trade shows can draw hundreds of entrepreneurs who are trying to do the same thing as you - obtain interest in their product.

With so much competition in this varied arena, your product can end up getting lost in a sea of business enterprises.You can avoid this however, by taking a few steps towards making your trade show display eye catching and alluring.

Below are five tips you can utilize to make that happen.

1.Giveaways - Think about it.As a consumer what interests you the most?The ability to try something for free of course.To be sure, giving away samples is a great way to bring the buying public to your booth.Prize drawings and contests are also enticing as they give the consumer a promise of something in return for giving a little of their time to your sales pitch.

2.Sweeten the pot - Another thing that people cannot resist is something tasty.With this idea in mind, candy and edibles would be a welcome treat and a reason to stop by your table.If using candy, do not fill your bowl up as consumers will most likely beeline towards your table in an effort not to miss out on your free sweets.If giving away baked goods, only display a few of your wares at a time for the same reason.Be sure to keep a ready supply of the foodstuffs nearby however, for refills when reserves get low.

3.Interact and get involved - Many trade show goers sit behind their exhibit and wait for interested parties to come to them which is a mistake.People like to engage with individuals who are outgoing and fun, which is why major companies pay millions to celebrities with charismatic personas to endorse their products.If being happy go lucky just isn't in your nature, see if you can hire an attractive female model that has PR experience to address the crowd.

4.A dash of color - human beings are visual creatures, and we respond to colorful things far more often than not.This is why to adding dots of color throughout your display is a marvelous way to attract attention.Make sure to do so tastefully, as too much color can end up being confusing and distracting.A vibrant, easy to read banner or a nice, brightly colored tablecloth is a great way to add pop without being overbearing.

5.Presentation boards and visuals prompts -- a wide screen monitor with a power point or slide presentation of a large presentation board can be one way to draw interested crowds towards your table.If at all possible, make the presentation interactive, for example, if utilizing PowerPoint, allow the public access to the mouse so they can move through the presentation at their own speed.If your presentation is stationary, the rule of color would definitely apply.

Above all have fun - people who appear relaxed and happy are most likely to bring interested consumers to their trade show display on a consistent basis.If this is kept up, the business will create the name recognition and appeal that is so essential in helping any new company thrive!

Manufacturer and provider of trade show exhibits and display stands for sale and display booth rental.Whether you are seeking a banner stand display or a custom trade show exhibit, consider Ballance Displays - with 25 years of trade show display experience.

Manufacturer and provider of trade show exhibits and display stands for sale and display booth rental.

Whether you are seeking a banner stand display or a custom trade show exhibit, consider Ballance Displays - with 25 years of trade show display experience.

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# posted by Smart Man @ 3:56 PM

Whether you're looking for a way to break into the work at home industry and someday tell your boss goodbye for good or just want to earn some extra cash, this article will show you how to do so while still holding down a career or job.You'll find suggestions for part time jobs from home perfect for those working full time.You'll also learn how to manage your time between the two jobs.

Working at home while pursuing a full time career can be stressful, but with these tips and suggestions you'll be well on your way to striking a balance between work and your personal life.

Time Management Tips for Working at Home Part Time

1.

Keep Focused on Your Full Time Job - During working hours it will be easy to think about your work at home job, especially if your plan is to eventually quit your day job and come home full time.As hard as it may be keep yourself focused on your regular job while you are working.Don't let your quality of work suffer.

2.Work Your at Home Job during Your Spare Time - Keep your at home job on somewhat of a schedule and work it after regular business hours and weekends.This will enable you to build a business without stressing yourself, which brings us to the next tip.Make certain that you take time out just for you to do things you enjoy other than working.

3.Don't Overwork Yourself Just to Make money Faster - Running a freelance business on the side can wear you down if you don't make it a point to set limits for yourself.Take your time and don't push yourself too far or take on too many clients just to make money faster.It will catch up with you in the long run and both jobs will suffer as well as your health.

Perfect Part Time Job Opportunities for Those with a Full Time Career

1.

Typing at Home - There are various opportunities for part time typing jobs.From companies who need data entry personnel to podcast and website owners who need audios transcribed, the possibilities are abundant.Typing at home also pays well.Depending on what exactly you are doing you might get paid by the piece or by the hour.This makes it easy to schedule your work at home job during non-working hours.

2.Online Paid Surveys - These not only are fun, but they allow you to do work when you have time.From online surveys, mail in surveys, and even focus groups you can easily pick and choose the ones that fit your lifestyle, including the time you have available to work.

3.Freelance Writing - Freelance writing opportunities abound.There are always newspapers, magazines, and other print publications that are looking for columnists, editors, and more.Don't forget to check with online business owners as well.Content is a necessary part of running a successful online business and webmasters just don't have the time to keep up with the time it takes to create the amount of content they need.

Many online business owners regularly hire ghostwrites to write content ranging from advertising brochures and articles to eBooks and How-To Guides and everything in between.

4.Virtual Assistance - As a VA, you can do almost anything you have the skills to do.There are very successful virtual assistants who perform tasks for business owners online and off.Just a few of the services a VA can provide includes:

- Web design
- Transcription
- Ghostwriting
- Data entry
- Bookkeeping
- Accounting & Tax preparation
- Press services
- Audio and video creation
- and more.

..

While it won't happen overnight, it is possible to work a full time day job and pursue making money at home with part time work.Following the tips above will help to make it easier.Before you know it you'll have reached your goal of a more secure financial standing or creating the basis for a full time work at home business that will meet or even exceed your current income.

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

Find legitimate work at home jobs and other great opportunities to make money from home today at: HomeNetPro.com

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# posted by Smart Man @ 4:05 AM

The real estate or property management negotiator is an individual who works as a third party among the property owner and the tenant.His work involves much more than a mere brokering work, where one introduces the buyer and retailer and pockets a commission after the work is over.It engages more accountability, and as a consequence is an attractive work.The work of the property management professional only start when a agreement is connected between the property-owner and the tenant.The negotiator is liable for carrying out requirements from the tenant regarding revamp work and upholding of the house and prompt set of monthly rent.In the good deal, the negotiator is allowed to obtain a sure percentage of the monthly rent. 

How To Conduct Effective Real Estate Or Property Management

In essence, the task of a real estate manager is to act as a buffer, or bridge, among the buyer and the retailer.

There will be various busy experts and commerce persons who can own a land, but may not have enough instances to discover an appropriate tenant for their building and rent it out.Or in some other cases the property owner may be living in a far off place because of which he or she might not manage to visit the site of the property regularly.The real estate or property management negotiator helps such land owners.

There are on the whole four phases in the service offered by the representatives: advertising the house, striking an agreement, providing maintenance and restoring services, and managing the authorized and government-related issues.The primary part, that is, marketing and publicity, involves finding a proper retailer and a buyer.Finding a property owner and convincing the person to rent it out should be the primary step.It is relatively simple to find an aspirant tenant in most of the cities.The best method is to use the network of personal contacts for finding out both the property owner and the tenant.If it doesn't work, one can think about more difficult forms of advertisement and marketing. 

Once the real estate or property management negotiator finds a buyer and a retailer, the next phase is to help them reach a harmonious agreement.

Usually, it is feasible to make an agreement that will make both parties equally happy.A sense of realism and commonsense are great assets to smoothly pass through this phase. 

No tenant will be happy with the home he or she is going to occupy.

They always recommend some reconstructions and obligation of added characteristics.The negotiator should have enough contacts and resources to bear out these functions.Also the negotiator should make certain prompt imbursement of rent.

The final characteristic of this is tackling the legal matter.One should keep all the records about each business agreement.Also, one should be aware of different sets of rules regarding residences and property in different US states.

Above all, a newcomer in this field should be patient and hardworking.It may take numerous years to become established in this field.One should always keep in mind that standing is the biggest asset of a real estate or property management negotiator and should never indulge in a movement that will ruin one's standing.

In essence, the task of a real estate manager is to act as a buffer, or bridge, among the buyer and the retailer.There will be various busy experts and commerce persons who can own a land, but may not have enough instances to discover an appropriate tenant for their building and rent it out.Or in some other cases the property owner may be living in a far off place because of which he or she might not manage to visit the site of the property regularly.The real estate or property management negotiator helps such land owners.

There are on the whole four phases in the service offered by the representatives: advertising the house, striking an agreement, providing maintenance and restoring services, and managing the authorized and government-related issues.The primary part, that is, marketing and publicity, involves finding a proper retailer and a buyer.Finding a property owner and convincing the person to rent it out should be the primary step.It is relatively simple to find an aspirant tenant in most of the cities.The best method is to use the network of personal contacts for finding out both the property owner and the tenant.If it doesn't work, one can think about more difficult forms of advertisement and marketing. 

The real estate or property management agent is a person who works as a moderator between the owner and the renter Check out www.

propertymanagementblog.com for more information on how to become a property management agent.

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# posted by Smart Man @ 4:35 PM

When you sit down and examine the advantage of owning multifamily properties, you will be amazed at the multitude of benefits.While other avenues of income generation offer some attractive incentives, owning multifamily properties brings many great things to the table.Let us explore these advantages:

1.

You can outsource your property management to professionals.You don't have to be bothered by tenants and toilets.Even if you have smaller properties, you can hire property managers.Leave the headaches to them and go on vacation!The property doesn't own you; you own the property.

2.You can buy with NONE of your own cash.You can raise private money to cover any cash requirements.You will find that it's easier to get financing on apartments and that the MORE you borrow the LESS they look at the borrower's credit.In some instances, they don't even look at the borrower's credit but at the borrower's assets instead.

3.Apartments are made to cash flow even with nothing down.This means that instead of there being one house with one roof generating only one source of income, you have one roof with possibly multiple apartments under it creating multiple income streams.You have economy to scale.Apartments are designed to be income-producing properties.

4.Better leverage of your time and effort.Think about it.What would you rather do?Look for ten houses or a ten-unit apartment building?On the flip side, wouldn't you rather sell a ten-unit apartment than sell ten houses?Of course!You have more leverage of your time.

5.The value of income properties is based on income.This is a function of Net Operating Income (NOI) and you can create value by raising the rents and cutting the expenses.This is a very predictable process.You can determine how much the property is worth based on how much you raise the rents.

6.Less competition.There are less people out doing multifamily deals than single family deals because they lack mindset and they lack specialized knowledge.They have limited themselves by the mindset that says they must graduate from single-family homes to multifamily properties.

7.There is less risk.With multiple tenants you have multiple revenue streams.If you lose one client, it's not the end of your business.On the other hand, if you are relying on a house as your sole source of income and you lose that tenant, you are still pouring money into that house.There is mitigated risk through apartments.

8.Non-recourse financing.The more money you borrow, the easier it is to borrow.When you get to loans of two million dollars and above, it becomes non-recourse financing which means the asset is the sole security for the loan.No one is personally guaranteeing the loan.

9.Condo conversion.This has been very big in some parts of the country such as Denver and Tampa.As an example, you would take a fiveplex, convert it into condos, and then sell the individual units.It is a different strategy because you're putting all your cash forward and then pulling out.It's not a long-term hold strategy.

10.The sub prime lender bust.With sub prime mortgage lenders falling out of the market, there are people cannot qualify for home loans.These people have to live somewhere so the demand for rentals is skyrocketing.

As you can see, the advantages to owning multifamily properties are solid and sound.With so many venues to consider when trying to find something to generate passive income for yourself, you just can't overlook the tremendous value created by multifamily properties.

Lance Edwards is living proof of his mantra that you don't have to "graduate" from single family to multifamily - you can start with multifamily; using none of your own money and not dealing with tenants and toilets.

For FREE information, visit http://www.ApartmentWealthMachine.com.

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# posted by Smart Man @ 4:03 PM

A good business brand is one that can withstand an ailing economy.In today's times wherein majority of the world is suffering from financial crisis, small- to big-time businesses are feeling the impact of this downturn.

This is when your branding campaign will be put to the test.Indeed, when businesses are competing for what remains of the market, you have to double your efforts at making the brand enable your business to thrive.What is also essential in these times is to never discount the impact of quality and improving value statements.These are important factors that hold promise to deliver more to the clients and keep your business afloat.

Are You Recession-Proof?: Branding seems to lose its vigor during recession.People tend to buy base on logic and needs, rather than impulse or perceptions.Therefore, you have to maintain or improve the kind of value, property, and benefits that your product promises its consumers.This is something that you must not lose focus on in your branding and marketing efforts, but its significance become more evident during times of recession.

If you want to add more value to your brand to make it better able to withstand the challenges of a suffering economy, here are areas of your branding system that must be given focus on:

o During recession, most businesses would tend to cut back on their marketing efforts and investments.

On the contrary, this is the time wherein you need to strengthen your marketing efforts.

o Create more aggressive marketing programs to be able to capture a bigger share of the market.

o Assert yourself on consumers largely affected by recession by offering better value on your products.

o Your advertising campaign must highlight quality, economic benefits, and real benefits as opposed to appeal to their superficial concerns.

Helping Your Brand Survive The Recession

When recession has hit the consumers, buying becomes a less desirable practice.

This will largely impact your business' efforts and this is made worse by the intensity of competition amongst various similar businesses.

Try using the following practices to keep your business thriving:

1.

) Never change your brand identity.Doing so will reduce the trust you have built on the customers and will also ruin your reputation.Merely try to restructure the messages you are trying to deliver but make sure that it stays within the context of your basic brand identity.

2.) Utilize this time to appeal to your customer's needs by performing a more thorough market research.This will produce an impression that you are concerned about their needs and are seeking for ways to deliver that.

3.) If your business' products are mostly high-end, do not simply revert to dropping prices.Instead, try improving the value and quality of your products so that customers will have a better quality spending habit.

4.) Be open to potential new customers.In times of recession, people are in the process of re-evaluating their spending habits.This is your opportunity to come into the picture and offer your business as a possible solution.

Ensuring Brand Stability : Consumers change their buying patterns during recession, but business owners must remain committed with their branding strategies.However, you do have to make slight and appropriate changes though, such as increased sensitivity to this new buying attitude exhibited by consumers.During times of recession, you have to stay committed in helping your customers attain quality service and products that add more value to their money.This is your winning formula.

And with increased dedication to your business brand, you will also increase the loyalty of your patrons.

For more info on business, sales & marketing strategies - visit : http://www.

newbusinessmethods.com/

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# posted by Smart Man @ 5:42 AM

If you want to set up or considering setting up a business of your own, you must bring one thing in mind.You must know that you will need money to make sure that the business functions as it ought to.For the purposes of this study, we shall think of business finance as all the money that will be required for the smooth functioning of the business.This will include money from a variety of sources such as loans from lending institutions, cooperatives and these loans may be acquired either on short term or on long term bases.One thing that should be borne in mind is that it is necessary for every person to understand the fundamentals of business finance.This study is not only meant for those coming into business for the first time.

Keep in mind that at every stage in the business, there will be a need to finance to expand, transform or even give a new facelift to your business.The good side about this study us that it will enable you to know where you can seek for finance for your business, it will help you to better manage these finances so that you should avoid falling into debts by paying your loans and it will equally let you know what type of loan is appropriate or not for your business.

Knowing the Essentials of Business Financing

Ahead of opting for any source of finance that might be open to you as an investor, there is always an obligation for you to not only become aware, but to understand and appreciate the importance that financing has to do to your business.

As of now, one of the sources of finance to your business is venture capital.Venture capital will refer to a venture group that is willing and able to pump in finance to your business.But it should be kept in mind that this is done with the intension that the venture group will become part of the business.It will have to take part in the running of the business and equally in the profits of the business.In some cases, the option of an angel financing may also be available.

This is a situation in which high risk ventures will be financed for the reception of high profits.Another source of financing is corporate venture capital financing.This is almost the same thing with venture capital but the difference is that groups and not individuals will be involved into the financing.You can also think of taking a loan from a bank or any financing establishment.

If you are an experienced financier, you will realize that identifying and making use of these sources of finance is easily done if you are aware of all the essentials of business financing.This will be difficult for the novice.What has been realized is that most lending institutions have already created and developed some form of confidence with those already in business, plus the fact that they think their money will be better protected with those who already have some worth to prove.

It May Be Necessary To Integrate Your Business When Seeking For Financing

The rationale for confidence building will vary from one lender to another and will also depend on the lenders personal conviction about the business.

It is normal that every lender will want to scrutinize and make use of any former financial record of a business before it can give loans to that business.In other cases, it is known that sources of finance may be easily opened to groups of business than to individuals.This is the more reason why you must understand all the essentials of business financing before making an application for it.Sometimes, it is necessary that as a sole proprietor, you may decide letting a takeover of your business.

This is to give your business a positive credit worth so that it can stand a good chance of being financed.But you must make sure that you seek expert advice in doing this.Remember that there are so many essentials in all of the above and you must be skilled enough in these before you can achieve any success.

Discover how you can obtain business commercial finance mortgages as well as the insider tips in getting your business equipment financing when you visit http://www.

365capital.com, the free online resources for small business startup loans and alternative business financing.

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# posted by Smart Man @ 5:51 PM

If you are a baby boomer and share your working space with the under-30 crowd I am betting that you think those young adults are not getting enough work done.You may even feel the same way about your younger generation children.

Think again!It is true they may create funny videos during lunch or throw a pizza party when they complete a project.It does look as if they are frequently playing.The truth is they are getting work done; they are just doing it differently and too many of us baby boomers fail to understand that.Besides, generations do not always understand one another which is too bad because this is probably the first time in history where four generations converge in the workplace and that may cause problems.

As members of Generations X and Y face an office of boomers, they usually start to chafe.Too many restrictions.These women and men have watched their parents sacrifice for their careers and they want more balance and freedom.Boomers, on the other hand, do not understand why anyone would leave at 5 p.m.if there is still work to be done.

Good communication among generations is the answer according to the experts.To get the message across you first need to understand the differences among the four generations.My task here is not to give you a stereotypic description but to inform you about the traits and preferences that generally apply to each generation.This may help you understand the other generations just enough to make a huge difference in your work and family.

Members of the oldest generation, born between 1925 and 1946 are called traditionalists.They tend to be hard working, used to taking direction, and have a strict moral code.

Baby boomers born between 1946 and 1964 tend to display loyalty to their company, assume that working overtime is a given, and believe that they can make a difference by working together.

Gen Xers, born between 1964 and 1982, tend to care more about autonomy, seek a balance between work and home, and look out for their own interests first.

Generation Y, born between 1982 and the late 1990s, and also known as Millenials, grew up with technology.They are similar to Xers but more optimistic, fun seeking and flexible.They are also the most coddled of all generations.I tell you this because if you're a traditionalist, born before 1946 or one of the early baby boomers, you're going to be facing others that have different workplace values and were influenced by different cultural phenomena.They may think differently and see life slightly different than you.As a rule, they were pampered more and used to getting their own way.Kids born before, during or right after the war didn't have that luxury.

Of course these generalizations have to be tempered by knowing the individual's work habits and personalities which may not be related at all to the time slow in which they were born.But just knowing a few things about each generation should cut down on needless family and workplace arguments.

And if you are a baby boomer you have a head start because you have more experience and can more readily manage your life across the generation gaps.
You certainly can do business with any and all age groups.And it's not my purpose to stereotype the ages but I do recognize the differences.Recognizing and understanding those differences helps me communicate well with people of all ages.That makes me more successful in my business.Take this little tid bit and be more successful in your business.

And now I invite you to claim your special report on Building Your Online Business and attending free weekly online seminars that show you the technology you the technology you need and how to market what you know.

Visit InternetBusinessBuildingGuide

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# posted by Smart Man @ 5:00 AM

Keep your business out of the red!Reduce the cost of employee turnover and hire top performers.This article will provide you with information that can help you calculate the real cost of turnover and how much your business loses each year to employee turnover.Whether you're an executive, a manager or a supervisor, the following information will be beneficial to you.

Employee turnover is inevitable, but when it is excessive, it can quickly put a business in the red.The costs of turnover are easy to overlook or ignore - but you ignore them at your own peril.Excessive employee turnover has obvious costs you can track, but the real costs take a greater toll on your business.Many new employees do not become fully productive until they've been trained and gain experience, a process that usually takes several months.The time, effort, and money invested in those employees, walk out the door when they leave.

As businesspeople, many of us have become complacent about turnover, just accepting it as a necessary part of doing business.To a certain extent, that is true.Employees quit, employees get terminated, employees retire.What is sometimes not clearly understood are the hidden costs of turnover that strip a company of its financial resources where it hurts most - from the bottom line.

Unwanted turnover takes its toll on productivity, but it also affects employees who stay.Managers get frustrated when, just about the time they get a person trained, they leave.When an employee leaves a company, there can be exit interview costs, administrative expenses, severance pay, and increases in unemployment compensation costs.Then, you might have to pay overtime or use a temp service to avoid losing productivity.

Add to these costs, expenses associated with replacing departed employees.There are advertising costs in attracting applicants, the time it takes to conduct interviews, testing, medical examinations, and there could also be travel and moving costs.

While some employers have seemingly surrendered and expect to hire dozens of people every month, it is generally accepted that eighty percent of employee turnover is avoidable.

The first place to cut turnover is at your front door.Don't hire people who are going to turnover rapidly.Easier said than done, you say?A lot of turnover occurs because of hiring people who should never have been employed in the first place - so that is a good place to start.

People hired for sales positions are known to turnover often, yet there are salespeople who stay in a sales job for many years.Turnover in sales jobs occurs because half the people hired lack the basic characteristics that selling demands - traits like persistence, independence, and aggressiveness.It is almost a certainty that employees lacking these traits will quit, be terminated, or at best, perform at a mediocre level.

Sales jobs are not unique.Every position has distinctive characteristics that make it a good match with some people and a mismatch for others.If a person needs to work in a quiet, slow-paced environment, he or she is certain to turnover in a job that does not match these conditions.

To eliminate the lion's share of unwanted employee turnover, try hiring people who are a lot like your employees who have been with you for five, ten, twenty years, or more.Even a small change, like increasing average employee longevity by six months, can save your business a ton of money - money that goes straight to the bottom line.

Jim Sirbasku is co-founder and CEO of Profiles International, a leading provider of human resource management solutions and employment assessments for businesses worldwide.

Find out the real cost of turnover and how it affects your bottom line - visit our website.

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# posted by Smart Man @ 5:37 AM

We are experiencing extraordinary changes in financial security.After years of job security, job losses are now becoming the norm in virtually all sectors and it's becoming more and more essential that homeowners protect themselves against loss of income.

MPPI, ASU,PPI and IPI - all these forms of insurance are bandied around, but the only product out of all of them that will directly give protection should redundancy arise, is Mortgage Payment Protection Insurance, or MPPI.

Both MPPI and its partner PPI (Payment Protection Insurance) are forms of ASU (Accident, Sickness and Unemployment Insurance).PPI will cover loans and credit card payments in the case of sickness, accident or unemployment, subject to terms of the individual agreement, but not mortgage repayments.

MPPI is frequently sold by mortgage providers in conjunction with a mortgage.It is designed to match mortgage payments in the event of ill health or the loss of your job.However, financial advisers warn that it comes with some serious restrictions.It only pays for 12 to 24 months of redundancy and there are a number of exclusions.

As Matt Morris, policy adviser at protection specialist Lifesearch, says: "We'd only recommend MPPI for redundancy if you're really worried about it as the exclusions can be so high."

Yet another product, Income Protection Insurance (IP), on the other hand, offers a far more comprehensive type of cover than MPPI, but only covers against illness.

As an example of differing cover, the two main reasons for claiming under an IP contract are back pain and stress - but neither of these would be covered under the majority of MPPI policies.

It could be a far simpler alternative to arrange an emergency fund which could cover redundancy and just take out an IP plan.Some cash back up would be needed in any case as with most of these products, there is a waiting time of at least a month before pay out begins.

People shouldn't be pushed into taking out an MPPI product unless it's what they really need.The help of an adviser should be sought and MPPI should be compared with other products before making a decision.

Another factor is price.MPPI can be more pricey than IP where the policyholder is in good health and relatively young.The reason for this is that with IP there is a lowering of rates for younger people, provided they are in good health, whereas MPPI doesn't tend to take this into account, due to the shorter time in which it pays out.

As a comparison, with MPPI a typical cost for 1,000 pounds a month of cover for a healthy, non-smoking 35-year-old would be 18 pounds and 20 pence a month in premiums for both men and women.The same cover for IP would be 16 pounds and 62 pence for women, and just 13 pounds and 25 pence for men.

It is really important that you compare like for like.Some policies have a one month delay before pay out, whereas others make you wait for two months.Some policies will pay out for just 12 months, others could be 24 months.An adviser will be up to date on this and make the choice much more clear for you.

Something which could apply to simply anyone in the current economic climate - any one with a sound reason to fear redundancy will not be able to get cover.For example, if you know that the company you work for will be parting with a certain percentage of staff.So if you're just worried about things generally but have no reason to expect redundancy, maybe some cover, just in case, would be a wise move.

The Mortgage Infostore provides great deals on Mortgage Protection Insurance for its clients in the uk.

Please visit our site for helpful information to aid you in making the right decision, first time.Brokers Online offers cutting edge articles and information about Mortgage Protection Insurance, life insurance and other great financial products.

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# posted by Smart Man @ 5:35 AM

Critical Illness Cover (CIC) pays you the lump sum insured, which is tax-free, if you are diagnosed with a life-threatening illness which renders you incapable of working.

People are living longer with conditions which might have been a death sentence a decade ago, thanks to advances in medicine and treatment.

Insurers are finding that while life assurance claims are dropping, they are having to honour more and more claims on CIC policies.The result of this is that the cost of CIC is becoming a lot more expensive than life cover.If the number of CIC claims fall then inevitably the cost of premiums will fall too.

The cost of Swiss Life and Legal and General's CIC has risen by around 20 and 25 per cent respectively.But the likes of Norwich Union and Scottish Equitable far outstrip them in the price rise race with increases of up to 60 per cent.Other providers are looking to charge more for CIC as well as the market speculates over the definition of 'life-threatening illness' and medical science makes giant strides in the management and control of certain conditions.

The Association of British Insurers has looked at cover for prostate cancer and heart problems, for example.If these illnesses are discovered early on they are no longer deemed to be 'life-threatening', at least for some sufferers.Another example is diabetes.Currently BUPA is the only insurance provider which still allows this condition on its list of critical illnesses covered.

Kevin Carr at broker LifeSearch explains, "Although this type of insurance was originally known as 'dread disease', many of the conditions currently covered by critical illness policies are becoming quicker and easier to detect and treat.Hence insurers have recently found themselves paying out on claims where the condition was not life threatening, which isn't the purpose of the policy."

A CIC policy usually runs for an agreed term, for example tied in with the length of time on a mortgage, and there is no change in the premiums.

The premiums are expensive for this cover.Insurers are now looking to offer reviewable policies where both the illnesses covered and the premiums paid are revisited every five years, which should cost a good bit less.

Rye Mills, group director of the independent financial adviser division of Liverpool Victoria, reckons that more people will choose the reviewable policies as they become considerably cheaper than the guaranteed cover.As he says, "At the end of the day there's a price to be paid for the peace of mind a guaranteed policy gives."

Legal and General still offers a guaranteed CIC but has put its premiums up for that.

It has launched a reviewable policy as an alternative.Scottish Widows and Skandia no longer provide guaranteed CICs.

Ronnie Martin, protection director at Legal and General, explains, "The reviewable price will be typically [around] 15 per cent lower than the guaranteed cover."

An existing guaranteed CIC policy cannot be altered to redefine any illnesses which are currently classed as 'life-threatening' but which may not be in that category in the future.

So if you have one of these already and are happy to pay the premiums you don't have to worry.

If you are planning to take out a CIC policy expect to pay less for a reviewable policy.But if you want the extra peace of mind a guaranteed policy offers, get it quickly while there are still some around, and remember you'll have to pay the extra price.

Interested in getting a quote on Life insurance?

Please Visit the Life Insurance underwriters for more information and other resources.Our sister site Brokers Online offers cutting edge articles and information about Life Insurance and other financial products.

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# posted by Smart Man @ 5:02 PM

Whether you are a long time email marketer or a small business that is just starting to develop online presence, business to business (B2B) marketers are using email blasts more than ever before.If your business operates online or offline, some of the most effective marketing is Internet driven.Are you considering an email marketing campaign?It is important to be aware of the provisions you must follow.As spam guidelines tighten, you can develop a methodical email blast program that follows future trends.

An email blast is another term for email marketing that refers to sending a mass electronic mailer to a large list of recipients all at once.This list can be developed by from your current customer base, future prospects, or by purchasing a list from a marketing company that has been targeting businesses that are interested in your business.Be wary of people selling email lists that have a price that seems too good to be true.The truth of the matter is this may hurt you more than help you, as you find yourself ending up on spam lists everywhere.

Five years ago, the CAN SPAM Act was signed on December 16, 2003.It was the first standard set for commercial email traffic.By 2005, Congress reported a 35-40% decrease in email spam.Spam fines can be as high as $11,000 per offense.Staying off that list is a priority, and most businesses are able to do this with no problem.By 2008, anti-spam technologists believe that spam can effect 80-90% of email traffic.

The 'Report as Spam' button makes it highly relevant to send messages based on recipients preferences and behaviors.To have a highly effective email blast, know who you are targeting, the frequency that works, and monitor and test your frequency if needed.If you don't get on it quick, the target may have already purchased or lost interest.Frequency is a fine balance.Too much or too little is different for every business, and keeping the right balance is the difference between an opt-in or opt-out.If you aren't sure what the right balance is, test it gradually and watch for unsubscribes and complaints.

Many savvy business owners are looking for a marketing company to send out email blasts to an opt-in list.Make sure the list is cleaned regularly for undeliverables and won't trigger spam.Email blasts are already some of the most cost effective forms of marketing with the highest return on your dollars spent.Looking into a company that has a well-researched and trusted email blast will cost even less and be more effective.These companies will target certain professional niches like dental, hospitality, pizza, fire and police, first responders, and veterinarians.They are well established opt-in lists that have high rates of opening and clicking.

During a recession in which spending budgets are cut back as much as 8% overall, businesses make the mistake of cutting back their marketing budget first.There is a better way to do this.Try finding methods that are cost effective and proven to work better.Whatever you do, do not stop marketing.You will find that your presence will be noticed now more than ever.

We offer cost-effective marketing solutions targeted to key business to business niche markets.

www.machalek.com

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# posted by Smart Man @ 5:31 AM

At first glance there seem to be few parallels between Buddhism and your trading and investing strategies, but is that really so?If you look beneath the surface a very different picture starts to evolve.

Traditionally we go through life viewing events, like market action as something that happens outside of ourselves and as something on which we have little or no influence.

We have neat little boxes for all those events with their clear beginnings and endings.This thinking, which is part of the old paradigm is essentially incorrect and has lead to a flawed view of reality.When your view of reality is skewed everything in your life will be affected, including your trading and investment strategies.

We know that things have a habit to work until they stop working.This principle, which is an integral facet of evolution has plaid out with frightening ferocity in recent months in the financial markets.A roller coaster of transition and change has taken over while the entire financial system is cleansing itself of old outdated habits and is trying to establish a new consensus.The old forces from the old paradigm vie with new forces of a new paradigm which is based on the latest findings in science, which are confirming what the old wisdom traditions have taught for thousands of years.

We have evidence now that indeed nothing is separate and when we traditionally talk about crowd psychology reflected in the markets we are merely seeing the Buddhist concept of oneness playing out in front of our very eyes in the markets.

The basic building block of everything in the universe is energy.Energy in order needs constant motion.We see this constant motion expressed in duality, the constant market moves of up and down or sideways.This picture unfolds all the time, even when we catch a trend there is movement within the movement, since, as any technical analyst will tell you nothing ever goes up or down in a straight line.

Just as your life has fluctuations, even if you are not always consciously aware of them, you are always changing to a lesser or larger degree.Markets reflect the collective consciousness of the masses.

I don't care if you believe that the fed manipulates market action, sooner or later the market will exert its right to return to its natural cycle, which is a reflection of the cycle of the mood of the general public.Presently a mood of deep dissatisfaction and resentment with the system that has caused a lot of hardship for many.

It is a huge misconception to think that blame is going to get you anywhere when dealing with market action.In fact, as you will always get what you focus on, because your mind is a very obliging tool and will get you what you are looking for, every time, you might want to consider the effect your pervasive negativity has on the collective consciousness and last but not least market action.

There simply is no getting away from the fact that you make reality and you create the market action through your thoughts and feelings.Every time you panic, feel desperate and you believe that the financial system may collapse you are creating a little more of that negative momentum which fuels the markets and you will find proof in your portfolio as it seems to be less and less every time you look.

There are many traders who find it difficult to go short.I will not go into the many reasons for this in today's article, suffice it to say, that conflicts with their belief system does not permit many traders to take advantage of the flexibility of the trading system.Markets move up and down.
Going short is no better then going long and both are just like the tow sides of a coin.Head or tail are of no value, unless you are betting on the wrong side and resent that fact.

If you are a savvy trade or investor you will have learned to take advantage of the many instruments available and position yourself in line with market action, but free from judgement about whether the market action is agreeable to you or not.Staying out of judgement is an art which Buddhism teaches us.It is a very useful habit to develop because it saves you wasting a lot of precious time as well as precious energy and will improve your trading and investing many times.

If more of us were doing this the present financial crisis may not be as dire as it appears at present.People with energy normally feel more positive and see opportunity.Once you can see how your many misguided thoughts and feelings make up your actions you are freeing yourself from pointless emotion and trance behaviour which is typical of crowds.

Believe me, the above is not new age mumbo jumbo but my view based on many years of experience and learning a lot about myself in years of trading and observing market action.If you want to be in control of your investment and trading strategies do yourself a favour and learn how you can expand your awareness.The man on top of the mountain sees more of the world and can appreciate more of it.

Mercedes Oestermann van Essen is a human development coach and author.

Her brand new book

THE BUDDHIST TRADER is available for immediate download on her site.

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# posted by Smart Man @ 4:50 AM

A bumper sticker business is one that might grow out of a conversation over a couple of beers at your favourite tavern.Imagine for a moment this scenario: Someone suggests that the owner should sponsor a summer picnic or softball game.The question then comes up as to how to advertise it, and someone suggests stickers.And the basics of a very lucrative business are set in motion.

As you consider this idea for a source of income, your first decision will be whether to first line up people willing to "wear" the stickers on their cars, or the business owners who will want to advertise in this manner.

A good friend of ours started such a business several years ago, and he found it easier to sell the business owner by telling him that 100 to 200 people were all set and willing to wear his sticker advertisement, because such people were known to be in the area.

All this boils down to a recommendation that you talk to your friends, neighbours and co-workers first.Get as many of them as you can to agree to "wear" it.You might offer to pay them $10 for three months, or $5 for six weeks.With inducement of money just to put a sticker on their cars or trucks, you won't have too many turndowns.One person we know runs an ad in his weekly shopper newspaper, advertising the fact that he pays money just for "wearing" it.And of course, don't overlook the pulling power of all the bulletin boards in your area businesses.

This is an ideal business for constant free publicity write-ups in your local newspapers, plus interviews on radio and TV talk shows.At first, you'll want as many people as possible to "wear" sticker ads.What you'll want to stress in any publicity write-ups or media interviews is the fact that you've got the "vehicles for exposure" lined up and organized so that any potential advertiser needs only to give you a call, and you can launch his advertising program immediately.

Next, you check with a number of printers and determine the cost to have it made to order.Generally, you should be able to get a thousand for $100 or less, whatever the cost; this initial outlay should be absorbed by your charge to the advertiser.

So let's suppose you've got 100 people lined up to "wear" one of these on their cars for six weeks.Figure they will cost $100, now, the problem of what to charge the advertiser.

You should always charge on a "per car" basis, i.e., on a basis of circulation, as newspapers do, so, you could charge $5 per car per week, with 100 cars.This comes out to $500 per week, or $3,000 total over six weeks, from the advertiser.Subtract $100 for getting the stickers made, and $500 as payment for the cars "wearing" them, and you would end up with a profit picture of $2,400 for those six weeks.

In the beginning, you should be the one calling on potential advertisers and doing all the selling.Once you've got your first program organized and running smoothly, your next step is a natural multiplication of your efforts.Run an ad in your local paper for commission sales people.Brief them on the basics and get them out on the street selling advertisers for you.

Uchenna Ani-Okoye is an internet marketing advisor and co founder of Top Affiliate Programs

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# posted by Smart Man @ 5:24 AM

Credit card debt is at an all-time high, yet consumer confidence in their ability to reduce debt is at an all-time low.To avoid bankruptcy, consumers need effective ways to reduce debt, especially to reduce credit card debt.These seven some simple solutions can help reduce credit card debt.Simply knowing these secrets may help people to reduce debt and avoid bankruptcy.

1.Study the fine print to reduce debt.Many times, credit card companies entice people to get cards because of low interest rates.What many don't realize is that these low balances are usually just introductory.While someone may think they can reduce debt by transferring the balance to a new card, they may in fact be doing the opposite, depending on what the interest rate is after the initial period.When you have a card with more than one interest rate (limited time offers or balance transfers), payments made will be applied to the lowest interest rate, while interest gets compounded on the higher interest rate.

2.Understand rolling balances to avoid bankruptcy: If balances are not paid in full each month, the amount is carried over, and any new purchases that month get interest accrued from the date of purchase.You do not get a 30-day grace period on your new purchases.A good goal to aim for is to try to pay the balance off completely each month.

3.Knowing the terms can help reduce debt.Your terms, such as interest rates, can change at any time for any reason, affecting current balances in the process.If you happen to make a late payment, for any reason, they can change the terms of the agreement.This can be detrimental to someone who is on the path of trying to reduce debt and avoid bankruptcy.

4.Know the legal rights to reduce credit card debt.The credit card companies do have the legal right to review your credit report at any time.They will be able to see if the consumer is trying to reduce debt with other creditors.Since they have access to someone's credit report, they could ultimately use some of that information against the person.

5.Universal default: The credit card companies can raise your interest rates at any time, simply because they check your credit report and see something they don't like.They are basically saying, "We have the full right to raise our rates if the customer might not repay us." Some credit card companies may charge up to 29 percent.Not keeping current on all credit cards can be used against you, even with cards you are keeping current on.

6.Beware of cancellation policies.Your credit limit can be reduced or your account canceled at any time, with no warning.Just like you have the access necessary to reduce or close your account at any time to reduce debt, they can also terminate your right to use a card.

7.Reduce debt and avoid bankruptcy with fewer cards.Keeping the number of cards you have to a minimum is ideal.It's better to have fewer cards with higher limits than it is to have many cards with low limits.The credit card issuer would like you to have ten of their cards, each with a $1,000 limit so they can assess each card with fees.Having just one to two cards with a limit of $10,000 each is ideal.Try to aim for not having more than two cards.

Trying to reduce debt, especially seeking to reduce credit card debt, and avoiding bankruptcy is entirely possible, even in this tough economy.However, consumers will need to have a clear understanding of how their credit cards work.If they don't understand the fine print and how the system works, they are not likely to reduce credit card debt.To avoid bankruptcy and reduce debt, consumers need to keep these tips in mind and put them into action.

Mach 3 Debt Solutions' mission is to help consumers become debt free within 12-36 months, through their debt negotiation and debt settlement services.

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# posted by Smart Man @ 3:43 AM