Monthly Archives: January 2017

Archive of posts published in the specified Month

Jan
30

What Does a Legal Cashier Do? Choosing the Right Law Job

The legal cashier’s job can be ideal for someone who finds the idea of working for a solicitors or law firm appealing but doesn’t have the experience or desire to work directly on legal matters. Normally a legal cashier is responsible in one form or another for the finances of the company. As the financial needs of solicitors and law firms are quite unique, a niche has opened up for those with the skills and expertise to carry out these kinds of jobs.

There are a number of different jobs which could be described as a legal cashier:

Legal Accountant – The responsibilities of a legal accountant are in many ways similar to a traditional accountant however there are some distinct difference unique to the industry. For example the large transfers of money for house purchases and legal fees are quite different to that of a traditional business. Though the tasks carried out by a legal accountant may differ from other industries many of the skills required to carry out the role are quite transferable.

Financial Controller – typically a financial controller has a lot more strategic role than a legal accountant, they might not be as involved in the day to day, invoices, payments and bank reconciliations but are still heavily involved in how a legal firm manages it finances.

Accounts Manager – This might be a role for someone working within a legal firm who has extensive accounts experience yet isn’t a qualified accountant. They don’t have the legal ability to carry out accounts like their professionally qualified colleague but might still carry out very similar tasks on a day to day basis.

Practice Manager– a far more administrative role typically, though it may still involve aspects of a finance common to most legal cashier roles. A Practice manager would normally have responsibility for the teams responsible for the administration and non legal functions of the firm.

Legal cashiers can also often be given the responsibilities within a company beyond the financial. These tasks often include

Marketing– while legal firms might not instantly seem like they require a great deal of marketing just like every business they need new customers. For most firms they would never reach the size where they could afford or justify a full time member of staff dedicated to marketing the firm. However often the responsibility of attracting new customers can be passed to someone with the appropriate skills. Often a legal cashier has just the right mix of abilities and enthusiasm to be given the task of marketing.

HR – the responsibility for human resources is another important part of a business which a small legal firm may not be able to dedicate a member of staff. As legal cashiers often manage a large number of the firm’s staff often HR can be allocated to them.

Administration – the amount of paper work and administration that a team of practicing solicitor can create is surprising. Consequently there is a team of …

Jan
30

How to Make Money Online Without a Website Or a List – Classified Advertising

Classified advertising is probably one of the oldest ways to market online. Although it's not always as effective as it once was, it's still an effective way to market your business online.

The reason is that it is a form of marketing that most people are familiar with. For those new to the internet, it's an easy way to find things. For those who want to sell, it's an easy marketing technique.

If you're new to internet marketing, or you do not have any money to spend on marketing, your advertising is the best place to start. It's easy to learn how to write ads, and there are plenty of free classified ads that will allow you to post ads.

Before you post any ads though, here's a few things to help you make more money from this technique:

1. Choose low cost products to market.

It's a lot easier to sell low ticket items on classified ads than it is high ticket items. If you plan to use qualified sites to drive traffic for your high ticket items, then it's a good idea to create some type of freebie to draw traffic to your site.

Do not offer your product in the ad. Offer the freebie. Give visitors a reason to visit your site.

2. If possible, optimize your ads for the search engines.

When you're writing your ads it's a good idea to write them with the search engines in mind. Try to include your keywords in your ads if possible.

Many classified ad sites, especially free ones, do really well in the search engines. You can easily increase the traffic to your ad by considering the keywords.

3. Try offering physical products too.

Top classified sites like Craig's List offer just about everything. Just as shoppers may shop auctions to find bargains, classified ad sites are another place to look for bargains.

The best part of offering what you sell through qualified is that it will not cost you anything.

4. Write as many ads as you can and post them.

The more ads you write, the more chances you have to make conversions, get traffic, and get sales. Many of these classified sites also allow you to renew your ads so you do not have to rety them.

5. Post ads Consistently.

As I mentioned before, many of these sites allow you to renew your ads without reposting them. This will save you a lot of time and help you get your ads out more quickly.

Do not just renew your ads though. Post more ads and try to do a certain number of ads each day. More ads equal more traffic and extremely more sales. …

Jan
28

How to Choose Best Auto Insurance Quotes?

When you are ready to find a lower rate on your auto insurance you will need to find several auto insurance quotes to give you a better selection to choose from. You may be surprised at how many insurance companies offer coverage for almost everyone. Insurance is a requirement if you plan to have a vehicle on the road at any time. Driving without insurance is illegal and if you are covered without it you may end up with a huge fine and paying out more money if you were in an accident without auto insurance.

Before you begin your search for the best auto insurance quotes, you will need to make a list of all the questions you may have. Asking any questions in the beginning may save you a lot of time later on. Gather all information needed when applying for a quote. This information includes the year, make and model of the vehicle or vehicles you want to cover. If you are not the only driver of the vehicle you will need to have the personal information of all the drivers that will be listed on your policy. This information includes the name, address, phone number, and driver's license number. You may also need the social security number as well. This information will allow the insurance company to verify all your information before giving you a quote.

Verifying the information will also pull up all your past driving history and allow the insurance company to see if insuring you will be more of a risk than an asset. A parking ticket every once in a while can be accepted but if you have led the police down an interstate on a wild chase chances are you will not qualify for insurance.

When you finally get your entitlement auto insurance quotes back in you will need to choose which company you want to go with. You will also have a selection of coverage that will be available to you with every company. Some may be higher than others while some may offer better coverage for a lower price. Either way you can make up your mind before you commit.

Auto insurance quotes can give you a great perspective of what coverage you can qualify for. You may find that you can purchase a policy with a high deductible in order to lower your rates. It's important to look over all the details of the auto insurance quotes so you can decide which one works best in your budget. Not every insurance policy will be affordable.

When you finally make your decision you can then notify the company and then pay for your first premium installation. If you are dealing with a company online you will be able to print your proof of insurance to put into your car and begin driving immediately.

You may not find the right insurance company right off in fact you may go through several different companies before you find the right one for …

Jan
27

How To Save Money On Your Heating Bills

How much do you think you spend on your heating bills at present? According to the Energy Saving Trust, on average half the money spent on utility bills in the UK goes towards heating and hot water.

Is it there before any surprise that come the first sign of winter, many households have the same answer rumbling on, whether to put the heating on. But, did you know that by taking precautionary steps, you can reduce your energy bills at the same time as keeping your home warm. Five top tips we recommend are …

Make an Extra Layer Your First Choice:

Many of us opt to switch the heating on the moment that we feel a chill in the home. Automatically reaching for the heating will cause your energy bills to rocket. Instead, your first option should be to make an extra layer of clothing your first choice to keeping warm.

Have Your Boiler Serviced Annually:

As with all appliances within the home, general usage can take its toll on your boiler. This wear and tear will leave your boiler performing below its optimum level, hindering its efficiency and costing you more in energy bills.

To reduce the risk of wear and tear on your boiler, you should have it serviced annually. Ideally the service should take place before winter takes hold.

Along with getting your boiler serviced, it's also recommended to install a CO2 alarm next to the boiler.

Bleed Your Radiators:

If you've put your heating on and found that the top of your radiator is cooler than the bottom, then you'll need to bleed them. This is not a difficult task, nor is it time consuming. But it is one which should be carried out at the earliest opportunity to save you money on your energy bills.

To bleed your radiators, all you'll need is a radiator key and a towel.

With your heating off, use the radiator key to turn the valve at the top of the radiator to release any trapped air. Whilst doing this, hold the towel just below the valve to catch any water which may trickle out. As soon as water appears, close the valve.

Set TRVs Low:

Many modern radiators come with TRVs, which enable you to set the temperature of the individual radiator. Whilst many of us will turn the TRV to six, this will cost you money without heating the room any quicker.

To help save money on your energy bills, set the TRV to its lowest setting, before gradually turning them up until you find a comfortable room temperature. It's also recommend to keep the TRVs on a low setting in rooms which are not frequented often. This will help keep the room warm without wasting heat.

Utilise Natural Heat:

OK, so the sun is not as strong during the winter months, it can still provide the required warmth to naturally heat your home. To make the most out of the natural warmth from the sun, leave …

Jan
27

5 Things to Consider While Selecting a Financial Planner

Unlike someone calling himself a CPA or a physician, just about anyone can call himself a “financial planner” or a “financial advisor” regardless of their educational background and professional experience. Moreover, not all of them are unbiased in their advice and not all of them always act in their clients’ best interests.

To ensure your financial planner is well-qualified in personal finances and impartial in his advice, consider the following five things:

1. Planning Credentials: Having a highly-regarded credential in financial planning, such as Certified Financial Planner (CFP) or Personal Financial Specialist (PFS), confirms that the professional you intend to work with has acquired the education and experience necessary to serve as a financial planner. CFP and PFS credentials are awarded to only those individuals who have met the certification requirements of education and experience in planning for personal finances. In addition, they have to pass the certification examinations and agree adhere to the practice standards and continuing education requirements.

2. Subject Matter Expertise: Financial planners are planning professionals, not necessarily subject matter experts. For example, a financial planner will be skilled in tax analysis and planning,but unlike a Certified Public Account (CPA) or an IRS Enrolled Agent (EA) he might not necessarily be a subject matter expert when it comes to tax rules Similarly,a he could be skilled in chalking out an investment plan, but unlike a Chartered Financial Analyst (CFA) he may not be an authority in the subject of investments. Work with a financial planner who is also a subject matter expert in those areas of personal finance that are important in achieving your financial goals.

3. Client Specialization: Not all financial planners serve all types of clients. Most specialize in serving only certain types of clients with specific profiles. For example, a personal planner may build his expertise and customize his services to serve only those individuals and families who are in certain professions, or a particular stage of life with specific financial goals and net worth. Ask whether the planner specializes in serving only certain types of clients with specific profiles to determine whether he is the right fit for your situation and financial goals.

4. Fee structure: The fee structure largely determines whose interests he serves best – his client’s or his own. A Fee-Only professional charges only fees for their advice whereas a Fee-Based professional not only charges fees but also earns commissions, referral fees and other financial incentives on the products and solutions they recommend for you. Consequently, the advice from a fee-only one is more likely to be unbiased and in your best interests than the advice from a fee-based financial planner. Work with a professional whose fee structure is conflict-free and aligned to benefit you.

5. Availability: He or she should be regularly available, attentive, and accessible to you. Ask the planner how many clients he currently serves and the maximum number of clients he is planning to serve in the future regularly. This clients-to-planner ratio is one of the …

Jan
26

How to Make Money Online the Easy Way

There are many opportunities to make money online out there but the truth is that most of them are not worth your time.They are meant to enrich the vendors and make you poorer. I have been there and tried a number of them only to get frustrated and left to take care of a huge credit card bill.

Don’t worry,there are genuine ones that have been tried and tested to bring results.With that in mind you only need to take three steps and make money online the easy way.

One of the things you need to put in mind is the market you will put effort in. You need to identify a market that has a huge demand so that all you need to do is to satisfy the already hungry crowd. By so doing they will be more than willing to flood your bank account with money. With that in mind I am going to reveal a market you can venture into and make money in only tree steps.

You can make a full time income by building a search engine for free around a hugely popular topic. This topic has a third of all searches on Google and yahoo making it one of the most popular niches today and growing.

The topic we are going to target is people search- has a really huge demand out there. The people search engine works like any other search engine: people enter keywords and get free results from your engine but here is the difference.

Every time users get free results you get affiliate commissions from the leading companies like click bank,Hd publishing and Mylife. Imagine having a free search engine where you get paid every time users get free results? Am sure this sounds great. Are you beginning to see the incredible here? You will have your own home business that has the potential to make unlimited income on complete autopilot.

All you have to do is send web traffic to your people search engine,and you’ll be paid hefty commissions whenever people get their free search results.

Having this business set up means you can tap preexisting demand, a third of all searches on Google and Yahoo, remember?) Common sense should tell you that its a whole lot easier to make money by catering to an existing need,than cold calling, closing sales, recruiting people for a down line. Of course the gurus hawking these kinds of products won’t tell you that, because they are catering to a different need.

You desire to make money. Don’t fall for it. The people search engine that you will create for free gives you an opportunity for multiple streams of including ad sense commissions, passive lifelong income from GDI, affiliate commissions from leading companies and referral commissions paid to you by Tissa.

Here is an unbeatable opportunity for you. Meet the demand in this exploding niche with your own automated, free to create people search engine.You can get started today in only three steps.…

Jan
24

Horse Loan – Horse Loan Financing Options

It is said that a horse is the best friend of man. People who love horses know this for a fact. A horse is considered to be one of the most emotionally intelligent animals. If you are a horse lover, you would truly love owning and taking care of one. This is a passion for so many and until you purchase your own horse, this feeling will linger in the back of your mind.

No, horses do not come very cheap. Buying a horse and looking after it can cost you quite a bit. But compared to what you get in return, the expense is worth it. Many people do not know that horse loan financing is available through various financial institutions and you can easily obtain a horse loan from your bank but most use online lenders to fulfill their dream of owning a horse.

Going in for a horse loan from the bank is pretty simple but may take a few weeks to process and in the meantime, you will have a lot of paper work to to fill out. It is for this reason that over 95% of all horse loan applications are done through online lenders who process application much faster. In the meantime, It is imperative that you do your homework of identifying the horse you want to buy, checking out its ownership papers, insurance status and other matters pertaining to the horse. You would also have to be ready with arrangements for its living quarters, training, feeding and other domestic facilities in place.

Once you have done all of the ground work to buy your favorite horse, you may find that your horse loan application is still in processing and will take a few weeks. At this time, it is wise to apply online with several lenders to see witch lender offers the more favorable loan terms. The hard truth is that horses don’t wait for you and there are lots of people who pick up the best horses and take home everyday so have your financing in place prior to shopping for your new horse. Most horse loan financing comes as a cash advance, installment loan, no-collateral loan, or a 2nd mortgage. All of these lenders can easily be found online where an approval is faster with Cash advances being one of the more favorable loan types. You can use these funds as a down payment on your horse or to purchase it outright.

Now you step into the world of finances and scan the market to understand how cash advances work. There are many banks and financial institutions including credit card companies that give you cash advance loans. As the name suggests, cash advance loans are those loans which are sanctioned almost instantaneously or within a days time. These loans come in very handy when one requires instant cash. Many a times we face emergency situations that call for instant funds availability or in other cases you may come across an opportunity …

Jan
23

Is it Better to Buy or Lease a Car After Bankruptcy?

If you want to get approved at the best possible terms when buying a car, it’s important you know a car lender’s credit guidelines before you apply for credit…especially if you’re bankrupt.

It will save you time and frustration–but more importantly, it will help you avoid credit inquiries that may lower your FICO credit scores up to 12 points per inquiry.

Step 1 in making a lease or buy decision is to determine a lender’s credit guidelines.

You start by asking if they lend to people with a bankruptcy. If so, on what terms?

That’s right. You have to be upfront that you’ve filed bankruptcy. Don’t hide it. We have to face the fact that some dealers just won’t work with people who’ve filed bankruptcy. So our job is to find the ones that do.

Some lenders will only lease to people with a bankruptcy. Others will only offer purchase financing. Yet still others will only lend using a hybrid of the two–this is especially common in Texas.

Ask the finance director at the dealership to direct you as to what structure the manufacturer prefers.

And here’s a quick tip for you: if your bankruptcy doesn’t appear on the credit report your lender pulls–then, in the eyes of the lender, you’re not bankrupt.

The only lenders I would consider using are:

– First choice: Captive lenders (car manufacturers)

– Second choice: Banks (not finance companies)

– Third choice: Credit unions

Ninety-nine percent of the cars I’ve leased over the years have been with captive lenders. Just one was leased by a bank.

That particular deal came from a conversation I had with Amy, the finance manager at the local Land Rover dealership here in Indianapolis. I told her I was open to her financing recommendations, but I preferred financing through the car manufacturer.

I told her my current FICO scores. She immediately said that with my scores she could do better through a local bank. I signed a credit application and told her to go for it.

The next day I signed a lease agreement with that local bank. Being open to her advice literally saved me hundreds of dollars a month on that car.

So be flexible…but be careful. It seems most car dealers call all of their funding sources banks. When in reality some are banks, some are credit unions, and most are sub-prime finance companies.

Here is a list of some of the most commonly used sub-prime auto finance companies:

1. HSBC Automotive

2. Capital One

3. AmeriCredit

4. WFS Financial

You want to pass on the sub-prime finance companies–unless you have exhausted all other options. Sub-prime lenders should be your last resort.

And only use credit unions if they report to all three national credit reporting agencies. How do you find out if a credit union reports to all three credit reporting agencies?

Simple–you ask. Ask the branch manager at the credit union if they report. And after you get the loan, check all three of …

Jan
22

Fast Easy Money – Five Steps to a Successful Business

Looking for a way to make fast easy money with your own small business? Then you've come to the right place. Below we've outlined the five steps to a successful business. No matter what your product or service is you need the following five things in order to make quick easy money and become an entrepreneur success story.

The first thing you need is an idea. This needs to be unique but also in demand. You do not want something that has been done a million times but you also do not want something that is too obscure to get any business.

Next, you need a niche market. This is your target audience. You want to narrow your potential market down. This is so you only reach those who actually care about your product. This will save you a fortune on advertising.

Once you have your niche market, you need to come up with a marketing campaign that will reach your audience in the most effective way. This may be an advertisement in a newspaper; it may be a poster in your local gym. However, make sure your marketing campaign is directed at your niche market specifically.

You will also need a business plan. This includes payment, shipping, terms and conditions and anything else related to the buying and selling of your company.

Finally, and most importantly, you will need a good customer service team. No matter what type of business you are in, your customer service skills is the key to success. Make sure they are friendly, personable and knowledgeable.

With these five steps, your small business is ready to take on the world. …

Jan
22

How to Start a Successful Online Business With Branding and Web Design

The development of your website design is the most important phase of your marketing strategy to establish your best possible market position. Without a strong and constructive design you will fail to reach the right potential customers which you need to achieve your business goals. The development phase of a website consists of several important parts that include:

• Creating the raw site and a final review of the website design

• Personal and company branding

• Development of specific e-commerce business divisions

• Testing, tweaking, testing, tracking

• Taking your website live

• Refining of website and processes

There are several main steps you need to pass before you can go live with your website and online business.

Website development

Develop a web presence that is based on your business branding and design. The combination of these three elements will reinforce your online business strength and help you to secure a good place within the e-commerce community.

E-commerce development

A constructive and easy e-commerce experience is significant for capturing the confidence and self-assurance of your customers. This includes all aspects of e-commerce: product database, product display, security, and shopping cart. Use only the best tools as this is the heart of your online activity and for success.

Marketing strategy

Marketing requires a strong and solid development phase which will allow you to launch your online business with success from the first moment. The development phase of your business strategy should be as meticulous as possible before you go live with your website. The more safe and sound the multiple divisions of your site and company existence are, the more success you will maintain. If your business is just new on the market, be proud and honest but promise only what you really can deliver.

Business Design

Developing a design for your business that augments your image and reinforces your web presence is a very critical point for the success of your business. Your aim is to create a design for your company that you can use across the board:

– advertising

– branding

– e-commerce

-distinction from competition

The final result of this design procedure is the highest possible level of transition between all facets of exposure of your company to your customers. You want a design that is outstanding and recognizable, and that suggests confidence, quality, reliance and ethic behaviour to your customers.

There are three main points that you need to build up in order to accomplish this:

• Logo and company identity

• A revealing, simple to navigate web design

• Successful e-commerce experience for your customers

Create a simple, uncomplicated and crisp design for ease of recognition. Your design should be daring and clear-cut about the statement you want to make yet simple enough to lure customers to involve themselves in your web pages.

Further, the design of your company should be completely interactive linking the visual communication with your customers and your web presence. Design is all about reaching your customers and interacting with …