Tuesday, December 4, 2012

The possibility to watch porn on blowjobs iPad

Tablet and other mobile devices seem to be one of the most important things in our lives nowadays. Right now, there are so many people who own mobile tablet computer device such as iPad and many others. With the internet connection that can be enjoyed from iPad, blowjobs has become something that is not impossible anymore. With the internet connectivity attached in the iPad and other mobile gadget, you can now visit the internet no matter where you are. As long as you are able to connect with the internet, there are thousands of porn websites that you can visit when you are with your iPad. However, it seems that not all of the porn websites in the internet that you can visit with your mobile devices, especially one that is made by Apple because they are not supported with Flash Player. However, if you are an iPad user, you do not have to be afraid for not being able to visit those sites because you are still able to visit other websites that support iPad.

There are so many websites in the internet that is made able to be visited by using iPad. One of the examples is http://www.bangyoulater.com/video/blowjob/. BangYouLAter.com is actually one of the most famous online porn video sharing that you can find on the internet. If you want to enjoy some porn video for free, this is the best place for you to get them. However, you have to remember that you have to be at least 18 years old to visit this site. This is the minimum age criterion that you need to obey unless you want to have some problems with your parents and police. So, what are you waiting for? If you want to enjoy porn in iPad, you can go to this website now!

Tuesday, November 6, 2012

Selling Coins To Your Advantage For Many Reasons

You've heard the stories of someone finding their parents old coin collection in the attic and cashing it in for large sums and you say to yourself, "I wish I could have that luck". In reality you may have valuable coins lying around and you don't even know it. Whether it is pennies, nickels or exotic coin sets, the world of coin collecting is pretty extensive and growing.
It is important when selling your coins to know what exactly you have. There are different ways to judge a coins worth. The Coin Grading, the rarity, the interest in the coin(s) and the liquidity value. There are many different coins and collectors out there but if you have coins to sell the first thing you must does it educate yourself on the product.
Arguably the most important part of determining the value of a coin is Coin Grading which is the condition of the coin. There is an extensive grading scale; Basal State or Poor(PO), Fair(Fr), About or Almost Good(AG), Good(G), Very Good(FG), Fine(F), Very Fine(VF), Extra Fine(EF), Almost or About Uncirculated(AU), Uncirculated(Unc) and the highest, Brilliant Uncirculated(BU). Depending on where your coins fall in this grading system will greatly impact the value of your coin.
Of course another important factor in coin value is how rare it is. First find a reliable coin dealer or numismatist and take your coin(s) to get properly inspected to determine the value and rarity of your product. Once you know what you have and how rare it may be, you can figure out what market to invest time in.
Close to the rarity factor is how much interest your coins have in the open market. This is your basic consumer demand principle, the more collectors searching for that coin or set the more you'll be able to sell it for, while the less people are searching for the coin the less you may get. Now this is not always the case as it depends on the collector and their individual interest in what you have.
Lastly, probably the smallest factor when selling coins the collectors is the liquidity factor, how fast or easily you can sell the coin. For most collectors they prefer to have heir complete sets or collection.
However there is much coin enthusiastic who just want to coin(s) to be able to sell somewhere else, auctions, events etc., you may be able to sell your collection to these types of buyers easier you may not get the complete worth of your coin(s). Other than the collectable coin sets there are Gold and Silver Bullion which are strictly meant for their liquidity value. These are used as investment pieces rather than collectables.
Thousands of people sell gold online to make ends meet easily at the comfort of their own home. With a little knowledge about selling jewelry you can earn a weekly paycheck for extra things like vacations, or home remodels.

Sunday, October 28, 2012

Selling Silver Is A Big Thing In Today's Market

In recent years the market for precious gems and stones has grown. In this market, Silver has constantly grown and shown the most promise. One of the great things about silver is that it's just not found in jewelry or coins; much of the silver sold is in the form of dinnerware, antiques and other house hold items. There is also a variety of businesses and buyers who would be interested in all different types of silver items. First determine what form of silver you have to decide what your market will be.
First determine what form of silver you have, say if you have a collection of silver dinnerware, you could take it to an auction, antiques store or somewhere that will melt it down. Be on the lookout however for scam artist who will give you less then what your collection is actually worth. Check for state credentials and licenses. It would be advised to have a third party first verify the worth of your silver to ensure non bias opinions.
It is important to find your silver's weight and purity. Knowing more about what you have to sell will help you when the time comes. Separate your silver from karats and product, scraps, jewelry etc. The more valuable items you believe you have the more you should look for higher end buyers but if you have generic silver pieces and scraps the conventions and pawnshops will probably pay slightly under the metals value.
When selling silver coins, the purity and weight are a factor but there are some other values involved. How rare is the coin or how sought after is it? The coin may not have a lot of value as far as pure silver goes but may hold a lot of value to the collector. This may be a better avenue to explore when deciding to sell your silver coin collection. But like any other collectable, having a complete or nearly complete set will be worth much more.
Sterling Silver is stamped with "Sterling", "Ster", ".925" or have a mark or symbol indicating that it is Sterling Silver and not plated or stainless steel. By law, Sterling Silver must contain at least 92.5% pure silver. For Silver jewelry, it is stamped with.800,.950,.830,.900 and so on, this is showing the purity to the one thousandths place, for example.900 would be 90% pure silver. Once you have the purity level, weigh the items and figure out how much of the weight is pure silver by the percentage of the purity. This will help determine the value of your silver. It is advised however to speak with a professional in the industry to get the correct value.
Thousands of people sell gold online to make ends meet easily at the comfort of their own home. With a little knowledge about selling jewelry you can earn a weekly paycheck for extra things like vacations, or home remodels.

Sunday, October 14, 2012

Create Your Own Referral Reward Program

Any business can create their own referral reward program with just a few minor tweaks to current referral ideas and plans. As with any business plan, creating your own referral reward program should be shared with all of your employees to keep everyone on the same page and working towards similar goals.
What You Will Need
To create your own referral reward program you will need no more than a computer and a spreadsheet program.
How to Create a Referral Reward Program
Gather your employees for a brainstorming session. Determine which types of rewards you want to offer to your referring customers. Types of referral awards can include:
- Cash or Check Rewards
- Discount Rewards
- Store Credit Rewards
- Reward Point Systems
If you are planning to go with a reward points system, create a list of prizes or merchandise you would like to offer at specific point levels.
Tracking and Identification Systems
Make sure you have a plan of action that includes a tracking system for customers who refer others. If your business is a small one a simple spreadsheet may do the trick. Once your business grows you may want to consider a large CMS system that can help you to implement your referral reward program. Add your referrers to the spreadsheet by their last name and then their first. Since you may have referrers who are family and share the last name, be sure to flag or list them as individuals so the program doesn't suffer any setbacks once it comes time for rewards.
Have a whiteboard or poster board created that lists all the rewards of your referral reward program. Make sure you have listed:
- Terms and Conditions
- How Long the Program will Last
- Rewards Offers
- Different Point-Value Systems
- Cash Offerings for Referrals
- Leading Referrers
Not only should you reward your referrers, but it can also be a great idea to show who your top referrers are. Often this can create a competitive atmosphere that will encourage even more referrals.
Share the Program
Make sure any of your employees that have direct customer contact will mention your referral programs as often as possible without overdoing it. If possible, have a punch card for them to share when they successfully refer a new consumer. This will give each referrer a positive reinforcement detail that is hard to ignore. As the card is checked or punched, each referrer receives not only the referral rewards program incentives, but also a hardcopy showing their own progress in your program.
Make sure your referral reward program is generous yet simple enough to easily encourage participation and not overly difficult to understand or expensive enough to result in serious monetary loss for your business. A referral rewards program should increase your business as well as widen your consumer base. If you find your bottom line doing a back peddle, it may be time to review what part of your rewards program seems to be causing the disparity.

Sunday, October 7, 2012

Clinical Chemistry Analyzers for Labs

Clinical chemistry analyzers play an important role in modern clinical laboratories. Automated analyzers are indispensable for conducting routine diagnostic blood tests or tests on blood samples taken from patients who need urgent attention. Accurate and quick results from the chemical analysis of body fluids helps physicians diagnose and treat medical conditions without delay. Blood samples are analyzed to identify chemistry analytes such as magnesium, albumin, bilirubin, creatinine, calcium, uric acid, inorganic phosphorus, urea nitrogen (bun), glucose, and iron. Assays can be provided for analytics such as thyroid, therapeutic drug, lipid, electrolyte, drugs of abuse, and so on.
There are different models of chemistry analyzers available in the market. Here are some tips on how to make the right choice.
How to find the perfect clinical chemistry analyzer
The different types of chemistry analyzers available include automatic, semi-automatic and manual modes. Going by the following guidelines can help with choice:
- Shortlist a few leading online stores selling medical equipment
- Check and compare quality of the analyzer, load capacity, ease of use, durability, and price
- Ensure that the product can provide accurate and consistent results within a short time
- The medical equipment you are going to purchase should have good after sales service, technical support and warranty
- Chemistry laboratory equipment that requires minimum maintenance is ideal.
- The chemistry lab equipment should be designed to comply with standard rules and regulations.
- Check specifications of the analyzer to make sure it meets your lab's requirements.
Also, consider general product features like graphical display, operator control panel, printer, dispense station, space for holding blood sampling tubes, and so on. Advanced models come with features such as automatic self diagnostics monitoring, automatic calibration and automatic zero setting.
Purchase from a Reliable Medical Lab Equipment Supplier
The popular brands in chemical analyzers are Alfa Wasserman, Bayer, Beckman, Dade, Mindray, Olympus, Elan Diagnostics and Roche Diagnostics. Top chemistry laboratory equipment suppliers will have a vast inventory featuring various brands and models. Purchase from an online store is ideal as it is easy to check out the various products. A reliable supplier would provide guidance to help you choose the right device. Moreover, online lab stores typically supply quality equipment with proper warranty at prices below regular. This will ensure that you get the best deal. If you have serious budget constraints, buy your chemistry analyzer from a medical equipment supplier that offers recertified products which work as well as new, but are priced lower.

Sunday, September 30, 2012

Qualities of a Strong and Durable Roof

There are no doubts that, a plethora of homeowners have various roofing material choices to select from. As such, it is important for any homeowner to do thorough research in order to come with the best roofing material. One way of doing this is by, looking at the qualities the roofing material has to offer. Remember, looking at the qualities will ensure that you come up with a strong and durable roof that will serve you for a very long period of time. While this is the case, it is important to exercise a lot of caution when doing this so that you make an informed choice in the long run. There are various roof types and as such, take time to check out the qualities each has to offer before making a choice.
- Good Insulation: It is important to check out the good insulation quality in order to come up with a perfect roof. Check out for a roof that will provide you with good insulation. For instance, a roof made from wood will provide you with this quality.
- Resistant to Weather Elements: A strong and durable roof should have the quality of resisting various weather elements. Examples of these weather elements include rain, wind and even snow. As such, choose a roof that you know will not easily be destroyed by such weather elements no matter what. If the roof is attacked by these weather elements, it can end up decaying and warping which is mostly due to sunlight and moisture.
- Energy Efficient: A strong and durable rood should have the quality of retaining more energy. This means that the roof you have should keep heat from passing into your home especially during summer and later on let it out of your home during winter. This in turn will keep your home at room temperature and this will make you live comfortably along with your family.
- Fire Resistant: A strong and durable roof should have the quality of resisting fire. We all know that fire is good but can become a bad master in the long run. As such, it is important to have a roof that will not easily be destroyed by fire so that it can last longer. This in turn will ensure that you take a long period of time before you can think of making any replacements.
- Texture and Color: It is believed that a strong and long lasting roof should have a perfect texture quality. There are some roofs that are very soft and when something falls on them, they get destroyed easily. As such, it is important to ensure that you have a roof that will withstand heavy objects dropped on them without getting destroyed. In addition to this, ensure that the roof has an appealing color that is not applicable to other roofs. Choose a color that will reflect light but not absorbing heat making your home hot even when it is not necessary.

Sunday, September 23, 2012

Protect It From Nature's Fury

We have no control over any of nature's fury, especially if it hits us unexpectedly, such as heavy rain, storm and snow. When this happens, a lot of destruction is done and mainly on our roofs requiring us to repair them as soon as possible. Regardless of whether the roof is homemade or professionally made, it is important to ensure that it is made secure in order to provide you with security as well as a peace of mind. Repairing your roof should satisfy all the important needs of providing protection from nature's fury. There are essential repairing qualities that you need to consider before you can start your repair. For instance, durability, wind resistance and water tightness among others. Keep in mind that, even a small leak if left for a long period of time can become dangerous in the long run. In case you cannot do this on your own, it is important to have a professional check your roof structure as soon as possible to make the needed repair. Read on to learn more about repairing your roof and protecting it from nature's fury.
- Firstly, it is important to inspect your roof structure to determine whether it needs any repairing. There are some roofs that do not show any signs of repair as long as you inspect them yourself. As such, this is the main step that you need to do first before anything else. You can use a ladder set up on a ground that is even and then climb up to the roof in order to make the inspection correctly.
- Identify the main areas on the roof that require repair. You can use a marker that is conspicuous to make the specific areas especially if they are leaks. Ensure that you have done the same on the entire roof before you can climb down from the ladder. The main aim of doing this is that, it will help in making your roofing repair easy. Remember, the main aim here is to ensure that the repair you do on your roof will protect you from any nature's fury no matter how destructive it may be.
- Determine the roofing material used for your roof. Remember, there are several roofing types readily available in the market niche today. As such, ensure that you have identified the roof type that you have e.g. shingles, wood, glass and metal among others. This way, you will be able to purchase the roof type material that you will use in repairing your material. If your roof is entirely damaged, you will have to measure the roof type that will cover the entire home.
- Put the roof type on the areas that need repair and then use the adhesive that can hold them strongly together. For instance, if the roofing material is metallic, you will require nails in order to nail it through the metal. At times, you may be required to use cement on the exposed areas underneath the metal to ensure there is durability even when a strong wind blows.

Sunday, September 9, 2012

Overview of Cloud Computing

Cloud computing - we hear the term almost daily. But really, just what is cloud computing all about? That seems to be a common question. In June of this year, TELUS and IDC Canada released a study on cloud computing which surveyed 200 Canadian business and IT executives and directors at large Canadian companies (500+ employees) across a range of industry sectors. The study found that 63% of Canadian companies surveyed did not have enough or had only a base level of knowledge to make decisions on whether to use a cloud service or their internal IT department.
A recent article from eweek.com also indicates that there is a great deal of confusion about cloud computing. The article makes reference to a recent study commissioned by Citrix Systems which included more than 1000 adults in the U.S. The study showed that most respondents thought that the cloud is related to weather. 51% of respondents thought that the weather could interfere with cloud computing. Despite the confusion, the study also found that 97% of participants are using cloud services today with examples including on-line banking, shopping, social networks and file sharing. Further, 59% of respondents indicated that they believe that the "workplace of the future" will be in the cloud which is somewhat contradictory to the prevalence of cloud computing today.
This insight above mirrors what we find amongst our own clients. Knowledge of cloud computing is relatively limited and as a result, organizations may be missing out on significant opportunities to make their business stronger by reducing cost and risk. Our hope is that this article provides insight into cloud computing to help you to assess its fit for your business requirements.
What is cloud computing?
First of all, it's useful to understand where the term cloud computing came from. It most likely originated from the use of a cloud image to represent a networked computing environment or the internet.
A quick Google search will reveal a number of definitions for cloud computing. I like a definition I picked up from Wikipedia which defines cloud computing as the delivery of computing as a service whereby shared resources, software and information are provided to computers and other devices as a utility, similar to the electricity grid, over a network which is most often the internet.
What are the various cloud computing models?
To sort out some of the confusion around cloud computing, it is helpful to understand the various cloud service models, of which there are three - software as a service (SaaS), platform as a service (PaaS) and infrastructure as a service (IaaS).
SaaS is the most widely known flavour of cloud service. SaaS is sometimes referred to as on demand software. With SaaS, software and its associated data are centrally hosted and are typically accessed over the internet using a browser. What are some examples of SaaS? MailChimp, the application we use to distribute our newsletters, is an example. Google Apps is another example as is Dropbox, and the list continues to expand.
PaaS provides the delivery of a computing platform and required solutions to facilitate the deployment of applications without having to invest in the cost and complexity of hardware and software. Some examples of PaaS include Microsoft Azure and Google's App Engine.
The IaaS service model allows clients to avoid the procurement of servers, software, data centre space and network equipment. Such resources are provided as a fully outsourced service. Examples of IaaS include Amazon's Elastic Compute Cloud and Rackspace.
In addition to the various cloud service models, it's useful to understand the delivery models through which cloud computing is distributed. The main delivery models include public, private, community and hybrid.
A public cloud offers infrastructure and solutions to the general public and is typically owned by a large organization that sells cloud services.
A private cloud is designed solely for one organization. A private cloud may be managed by the organization which uses it, or by a third party, and the infrastructure may be located on the site of the cloud user or elsewhere.
A community cloud is shared by several organizations and supports a community of users, usually with some common interest, such as regulatory concerns.
A hybrid cloud model consists of two or more clouds, for example a public and private cloud, bound together by technology to facilitate data sharing and portability. Egnyte, a file storing and sharing service, is an example of a hybrid cloud computing solution.
What are some benefits of cloud computing?
Earlier this year I participated in a webinar that featured a round table of CFO's commenting on what they believed to be the major benefits of cloud computing. The benefits cited included the following:
  • Cost savings over on-site installations
  • Anywhere anytime access through an Internet connection
  • Reduced dependency on IT support
  • Cloud solutions are most often faster to deploy than on-site solutions
  • Cloud solutions typically enables organizations to buy into a bigger product with much more functionality which would be cost prohibitive if similar functionality was acquired through a non-cloud on-site solution
  • IT can focus more on value-add activities as opposed to managing IT infrastructure because infrastructure management shifts to the cloud provider
  • Cloud solutions typically contribute to the following:
    • More timely financial information
    • Optimizing business processes
    • Connecting with employees and enabling staff to work remotely
What are some of the risks and concerns associated with cloud computing?
Not withstanding the benefits, there are a number of common concerns associated with cloud computing. It is very important to carefully consider risks that could impact your sensitive information, no matter whether you are evaluating cloud or on-site solutions. In doing so, it is also important to evaluate risks associated with cloud solutions in the context of similar risks you could face with your own on-site alternatives.
The most common concern is security. For most small and medium-sized organizations, security with cloud solutions is often better than on-site solutions because reputable cloud solution providers can invest in the skill sets and capabilities to address emerging and evolving threats. Many small and mid-size organizations rely on part-time IT support or have no dedicated IT support at all. This combined with constantly evolving IT risks, would tend to suggest that most small and medium organizations just can't keep up with threats to their information assets. To address security concerns, a reputable cloud provider should be able to provide assurance relevant to the following:
  • Access to data - There should be a rigid authentication process that all users should go through to access their data
  • Transmission - Data should be encrypted as it travels from your local site to the cloud service provider
  • Network - Strong security should be in place to protect the cloud provider's network
  • Physical access - The cloud provider should be able to demonstrate solid controls over physical access to its facilities where your data will reside
  • Data security -The cloud provider should be able to provide assurance that your data is encrypted when it is "at rest" in the cloud
  • Privacy and Compliance - Your cloud provider should be able to provide assurance that it can protect the privacy of your information and comply with relevant standards and legislation that may be relevant to your organization.
Availability of cloud solutions is another concern. It is relevant to assess the impact of a cloud solution becoming unavailable due to circumstances such as an internet outage or a technical failure by the cloud provider. Again such concerns should be analyzed in the appropriate context. Internet outages, especially elongated outages, tend to be uncommon. Reputable cloud providers can most often demonstrate very high levels of uptime performance, and if problems occur, skilled resources are available to address them. How does such a scenario compare with similar risks associated with your on-site alternative? What is your experience with downtime with on-site solutions and can you get timely 24/7 support if you have a critical problem? Availability risks can also be mitigated with the use of a hybrid cloud model. Egnyte was referred to previously as an example of a hybrid cloud model for file sharing and storage. With this option, should the internet go down, you can still have a local copy of your data available.
Access to data is raised as a concern in two contexts. One is how can I get my data back if I leave my cloud supplier. Another is what will happen if my cloud supplier goes out of business. An answer to such questions should be readily available from your cloud supplier and should be specified in your end user agreement. It is most important to consider what format your data will be available in if you seek to get it back from your cloud supplier. Consider for example that if you use a cloud based accounting solution, your data might not be provided back to you in the same format in which you entered it.
One last consideration to think about is data backups. In our experience with smaller organizations, it is not uncommon to find no backup routines or problems with them, such as backups not being stored off site or restoration from back-ups not being tested. Reputable cloud solutions reduce this risk and in fact, many cloud providers have multiple back-up locations in case there is a failure at a particular site.

Sunday, September 2, 2012

Choosing The Right Merchant Services Provider

So you are ready to start accepting credit cards as a form of payment for your business or you are just looking to get a rate evaluation to make sure you are being competitively priced from your current provider. No matter the reason that you are looking for a merchant services provider you will be faced with a number of challenges.
Choosing the right merchant service provider can make all the difference in the world to your business. There are literally hundreds of companies advertising everything from super low rates to "the best" customer service. How do you know which one will be best for you? Here are some important points to consider.
1. Pricing and/or Rates
Pricing makes the top of the list of things to consider when working with a new merchant services provider for obvious reasons. It can be extremely difficult to assess whether or not you are competitively priced because pricing can change dramatically for merchants depending on business type, card present vs card not present, E-Commerce vs Retail, Etc. The only way to be sure that you are getting good pricing is to ask multiple providers and then pick the one that is offering the best rates.
2. Service
Another vital issue is customer service and support. If you have a problem running a credit card and a customer is standing right in front of you will you be able to get somebody on the phone in a timely manner to assist? What if you have an issue late at night? Does the provider offer 24/7 support? Is the support outsourced or in house? Customer service in many cases is the number one reason a customer will choose a provider that is even more expensive than their competition. If customer service is very important to you, make sure you get every detail.
3. Funding Options
Some providers will deposit your funds in 24 hours, some take 48 hours, and American Express takes three days. If you need next day funding make sure you find out if the provider offers it before signing a contract. If you need the funds deposited into one account and the fees taken out from another it is also important to make sure you know if the provider is capable of doing that. Some can and some can't. Be sure to find out everything when it comes to when and where you can expect your money.
4. Equipment
Does the service provider offer free equipment? If so, make sure you ask about the first issue, Pricing! A lot of providers will offer free equipment but give you higher pricing to compensate for it. If they do not offer free equipment keep in mind that the average credit card terminal will cost around $200-$250. Another issue concerning equipment is compatibility. Does the provider offer services that will allow you to accept credit cards on your smart phone? Is the equipment PCI (Payment Card Industry) compliant? Is the equipment under warranty? Again, the more information you have the better you will be equipped to make the right decision.
5. Contracts
The industry standard is usually a one year contract. Be sure to find out exactly how long you will be locked in to a contract and what would be the costs associated with breaking the contract. Early cancellation fees can range from $0 to literally staggering numbers. Read your contract thoroughly! Again, some providers will offer no term contracts with no cancellation fees. Keep in mind that they may be jacking up your rates to compensate for all the work that goes in to underwriting and accepting the risk of processing cards for your business.
6. Point of Sale System Support
If you are using a Point of Sale system it is very important to find out if the merchant services provider offers support for it. Some POS systems are only supported by specific processors and some charge huge fees for switching the processor that you have on record (Especially if the POS system is provided by the processor itself). Make sure you know exactly what the cost would be with switching your software and find out who is going to pay for it. You may be able to negotiate the fees with the provider depending on how badly they want your business!
7. Reputation
Make sure that whoever you decide to do business with is a reputable company. More importantly make sure that there are no complaints posted all over the internet about the company. You will find that when a customer has a bad experience they will post about it in multiple places so if there is a complaint about the company you should be able to find it rather easily. Keep in mind that the size of a company is not as important as the service it provides and the cost of the service. Sometimes a smaller company is a better option to do business with because they are more eager to have your business and will offer better pricing because of low overhead.

Sunday, August 26, 2012

Stop Working In Your Business

My client and I were talking about a challenge that she has been having around growing her business. She is an accountant and is often under tight deadlines. On top of the "deadline" work there is constantly other new work coming in. She works hard to make sure that all of her clients' work is done; however, the marketing, business growth and day-to-day admin work often fall through the cracks. On top of that she was feeling unfocused and that she was just chasing after deadlines all day.
I like to categorize these activities as "IN" your business, "ON" your business and "ADMIN". Unless you continually move these three areas forward you will not have a sustainable business.
In an ideal world you'll have plenty of support to help you, but the reality is that at the end of the day a lot of it simply falls to you to do. So how do you do it?
Here's a straightforward approach my client and I came up with.
1. At the end of each day review your "to-do" list and identify your top priority in each of these three areas ("in" your business, "on" your business, admin).
2. Be sure that these three things are very specific and are single tasks (none should take a full day on its own). If you're thinking about a project, be sure to identify the part of the project you are doing.
3. Create a list with ONLY these three things on it.
4. Review your list at the beginning of each day and get to work focusing on these three things only.
5. Review your list around lunchtime to make sure that you are still moving these three goals forward.
6. At the end of the day reassess and plan out tomorrow.
After we created this plan I shared some bad news with her... it wasn't only her "in", "on" and "admin" activities that weren't getting done. She was neglecting herself too. We agreed to add one more category to the list... "PERSONAL". What was one thing she wanted to do for herself each day? Some ideas we came up with were spending time reading a book, playing with her dog, gardening, taking a long bath and enjoying a dinner with her husband.
She's been doing this exercise for a week now and is finding herself much more focused. She also said that she's spending time "ON" her business and doing admin work each day.
Here are a few tricks she's learned to make sure the system works:
* Hang the list up so that it's visible and refer to it often.
* Don't overload any one area.
* There are times when one area seems to get short-changed. As long as you move each area forward a little bit it's okay. Just shift that balance back the next day.
What four things are on your list for today? Make it happen!
Carrie Greene is a speaker, trainer, coach and author of Chaos to Cash. She helps entrepreneurs cut through the confusion and chaos surrounding them so they make decisions, stop spinning and procrastinating and make more money.

Monday, August 13, 2012

Allowed Expenses for Tax Deduction

Did you know as a business owner of a sole proprietorship, you will pay a self-employment tax? Your business expenses can help off-set this tax. What can you deduct?
  • Car expenses (gas, repair, maintenance, taxes, tag fees)
  • Building expenses (lights, water, internet) a percentage of this if it is a home business
  • Cell phone (if used more than 50 percent of the time)
  • Clothes and dinning (if you can prove they are needed for business)
  • Equipment (will deprecate over time and can be deducted it until sells or has no value)
  • Supplies (are used up on a regular basis)
  • Accountancy and professional fees
  • Logo'd uniform
  • Advertising
  • Insurance
  • Postage
  • Safety Wear - such as a safety Helmet
All of these are included on a different line when you itemize your expenses. Keep track of these expenses all year long. Keep logs of money spent. You memory will not be reliable when it comes down to every penny. Certain deductions require proof that they were indeed needed for business (clothes, dinning, hotels, etc.).
Here are few do's and don'ts about tax deductions.
Do keep all gas receipts and a mile log.
As a sales person going from place to place each day, keeping a mile log really pays off.
Do keep money earned from the business separate from personal money.
Two accounts are better than one when it comes to owning a business. There is a chance you could get audited if you are still earning a check outside the business and don't keep it separate to track money from both sources.
Do keep a log of all you meetings.
Your need for clothes or dinning expenses will match your meeting log. If you are on a business trip and buy memorabilia, you cannot deduct that purchase on your taxes.
Don't throw all your paper into a bin for the whole year.
Your memory will not be reliable in 12 months to remember what dinning receipts went with which meeting and who you saw.
Don't try to deduct luxury items.
Your car washes, carpet cleaning, and office decor are not tax deductible. If you try to include these things in your expenses, you may red flag your account and get audited for sure.
If you are unsure if an item is deducible or not, consult an accountant to be sure.

Monday, August 6, 2012

Judge the Book by Its Cover

I often hear the analogy "the mechanics car doesn't run", or "the housekeeper's home is the dirtiest house". Is that the standard you want?
When hiring any professional - be it to work on my car, in my home, or in my business I treat their entire presence as their resume. If I drive into a mechanics, and there are broken and battered vehicles in the employee lot, I look for other signs that could show me what type of business this is. Are the employees happy? Well groomed?
The same holds true to the people you invite into your business. Do you practice the same due diligence here that you would when entrusting your car or your home with someone? Would you hire an HR firm that has high turnover, or pending or past law suits from current or ex-employees?
We tend to buy from people we like. A good salesperson will be able to establish the rapport, and build the bridge of trust with you. You trust that salesperson. Do you have confidence in the company they represent? When spending a few hundred dollars, or many thousands, I encourage you to practice your due diligence on the company you are hiring. Interview them the way you would a potential employee, as in essence that is what they are.
Here are some quick tips:
1. Google them - look for complaints - both unresolved and resolved.
a. Google them with lawsuit at the end of their name.
b. Google the owner's name(s).
2. Check with their local BBB.
3. Do they have client testimonials? Call them.
4. Look for industry specific websites or forums - for instance if you are hiring an HR firm, look at their reviews on Glassdoor. Look at their job postings to assess their rate of turnover.
5. How current are the articles on their website? What do they say? Do they reflect the vision of the company?
6. Look them up through their local Clerk of Courts website, for legal actions, or filings.
If any of these points reveal anything, that is your clue to dig deeper. You may still choose to do business with them, but at least you know who you are dealing with.