Monthly Archives: February 2017

Archive of posts published in the specified Month

Feb
19

Your Boat Insurance – Key Considerations

Sailing off into the distant blue, has the favorable effect of blowing away your life’s strains and cares with the blowing wind. Yet, before you voyage off in your attractive boat, take five and think about the merits of these questions. Do you have marine or boat insurance in place? Even when the response that that is ‘Yes’ at that point are you confident your insurance essentials are being fulfilled?

Marine insurance groups crafts according to a kind of dimensions. "Boats" are described as measuring anywhere between 16 feet and 25 feet 11 inches in length. Under that size then you are catalogued as small boat namely dinghies, personal watercraft and so forth. If your boat is 26 feet and above in size then you may most likely need expert insurance. Right now let’s check out some of the ins and outs as applied to regular boat insurance policies.

Physical damage insurance coverage

The insurance company reimburses you for the replacement or recondition of your boat, resulting from the following conditions: boating mishap, vandalism, fire, burglary, lightning, hurricanes or tornadoes. Incorporated in this policy are the watercraft itself, its power train or outboard motor and your trailer. Normally the following items are omitted from the dinghy insurance coverage, as they are not thought of as being a part of your boat’s operations: clothes, video or camera equipment, precious jewelry or fashion adornments, cell phones, beverages and food items, diving gear and portable electronics such as TV set, hi-fi equipment or laptops. You may discover they are included on your normal house insurance coverage or you may ask for separate insurance coverage for some of these.

Tip: I know it’s a pain but – always study the fine print at the bottom. Then you will realize what restrictions have been placed on your protection. Can you boat be kept at your home? Otherwise, should the boat be at your vacation place? Where does the protection start and end on the waters you can make use of? A few policies specifically list the assumptions and restrict the use of your craft.

Individual Liability Coverage

We hope you will never ever need to find out how important this coverage is. Typical marine boat insurance cover here ranges upwards from $ 3 million and may compensate you when there’s a collision and your boat is held responsible for harming another property, boat or injury.

Uninsured Boat Protection

This is known as the marine insurance equivalent to the road vehicle’s uninsured motorist insurance coverage. For instance, in the circumstance that the proprietor of a boat who damages yours has run out insurance coverage or worse yet, does not have the money, your boat’s repairs will certainly nonetheless be paid for.

Passenger Health Insurance coverage

This insurance coverage will pay for the medical expenses sustained by any people carried on your boat. You will definitely discover that generally there is one more provision on your policy regulating the quantity of individuals who can be aboard at …

Feb
17

9 Steps for Managing Small Business IT

Information Technology has never been more affordable. Small businesses can now take advantage of technology that will help them level the playing field and compete with larger companies, even on a global scale. Yet, the costs for small businesses that compete with you have come down too. How do you use IT to gain a competitive advantage?

Business leads – IT follows

1. Use IT to provide value to your customers

If IT does not add value for your customers, what's the point? Technology should allow you to either, lower costs, provide better customer service, or develop new products and services your customers need. If deploying new technology does not do one of these, do not bother.

2. Do not buy more complexity than you need.

Efficiency is found in simplicity – fewer moving parts. Do not buy feature laden software if simple software gets the job done. However, you should take care to analyze and anticipate your needs so you do not under buy. A good tactic is to plan for a progress of features or capabilities that match your expected growth. Choose software that is easily upgraded and allows you to use your existing data with new versions or modules.

3. Apply technology only if it improves a process

A manual process is often the most efficient. Do not spend 200 man hours implementing a technology that will save you 8 man hours a month. Any technology should also add customer value over and above the manual process.

4. Monitor capacity, performance and health

Do not just set it and forget it. There are too many inexpensive management tools that will allow you to monitor your systems and alert you in time to avert a disruption of service. Something as simple as running out of disk space can cause a service outage that takes days to recover from.

5. Be proactive instead of reactive

Monitoring your systems also allows you to collect data that can be used for trend analysis. For example: By knowing the rate of increase in your disk space usage you can predict when you will need to add capacity and plan accordingly.

Replace your equipment before it wears out or becomes unreliable. Practice "life cycle management." Budget for computer replacement every 3 to 5 years. For example: if you have 40 computers, consider budgeting to replace 10 of them each year.

6. Plan for contingency

Hardware fails. Users screw up. Viruses are always a threat. It's prudent and cost effective to use redundant disk technology on your server, but you do not have to go crazy trying to build fault tolerance into all your systems. If you have 20 computers, having a spare ready to go only costs you an additional 5%. That's a very cost effective way to increase availability. I've worked with large companies that will spend days trying to source parts and repair a computer while the user can not work.

7. Provide operational structure

Define the processes you will use …

Feb
17

Personal Development – How to Win Friends and Influence People

Dale Carnegie’s Personal Development top 3 techniques for handling people shows simple but hugely effective things all of us can do to influence others. I’ve been reading this book ‘How to win friends and influence people’. You really should get a copy.

It’s one of those all time best sellers, that people just keep talking about so I picked up a copy.

Success books are about giving you an idea, or some stimulus or some training to move you from one place to the next. We really become the sum total of everything we absorb. I enjoy reading these books – anything that can help me become a better person I need!

Sometimes these books are so logical, so basic that you wonder why they are bestsellers, how is it they are talked about so highly for so long. I mean – this book was first published in the 1930′s. But I’ve come to realise, that for a lot of people, they were never trained from childhood how to relate to people, how care about someone other than themselves, how to be genuinely about to connect and lead people – these books break it down so simply, anyone can improve their relationships.

How To Win Friends and Influence People

Dale Carnegie gives 3 tips in the first section of the book: Fundamental Techniques in Handling People. See how you rate yourself on these, they are invaluable both in our personal lives and our business life.

1. Don’t criticise, condemn or complain

Criticism, condemnation or complaining just alienates and sets others against you. He advises:

‘When dealing with people, let us remember we are not dealing with creatures of logic. We are dealing with creatures of emotion, creatures bristling with prejudice and motivated by pride and vanity’.

Just think back to an experience where you have known this to be true. What about if someone has criticised you, even if it was deserved, did it make you want to help that person or do something to make them happy? Or did it make you withdraw somewhat, or get angry, irritated or annoyed.

The criticised person tends to justify themselves, because they only see things from their own point of view. The blame is not theirs but others.

All criticism does is make people defensive, resentful and hurt. Ultimately the situation that needed to be changed will remain.

Psychologists have proven in case studies that ‘animals rewarded for good behaviour will learn much more rapidly and retain what it learns far more effectively than an animal punished for bad behaviour’.

Encouraging the good, having self-control and great character should be the aim of all of us. ‘A great man (or woman) shows greatness by the way he treats little men’.

There are some people who live to complain. Those customers that call or email and just want to rant, or maybe you have kids and they haven’t done what you’ve asked 10 times already. You need to decide the type of person …

Feb
16

How To Make Your Small Business Catering Grow

Thinking of having a small business to run can be a good way to start earning money. There are a lot of businesses that an individual can get him or her self involved with. For those who have the passion for cooking and are also artistic enough, a small business catering can be a suitable business for you. Having a small business to run, such as catering, is not as difficult as running a medium-sized or large businesses. And, if you only have the willingness and patience in making your business become successful, then you can certainly achieve your goal of becoming a good caterer.

There may be a few things that you need to bear in mind, though, when planning about having your own small business catering. First off, you need to have the qualities of a good caterer. These include being patient, flexible, hardworking, resourceful, approachable, and knows how to establish good relationships with other people. You should also have appropriate knowledge about catering services, the different kinds of food to serve, food preparations, and decorations.

If you think that you already posses all those qualities, then the next thing that you have to consider is to have a good business plan. Although you are just starting with a small business catering, proper planning is still necessary if you really want your business to grow and become successful. This includes performing feasibility studies, budget allocation, proper business management, proper time management, long-term business goals, and whatnot. As you know, having a good business plan is very vital for a business especially if you are just starting for it will be your complete guide towards achieving all your goals without wasting time.

Other individuals who really want to make their success rate increase even enroll in culinary classes and attend seminars regarding business matters. They also never stop doing research and they also see to it that they are updated about the latest trends in the business world, especially in catering. They even spend some time going to other places and observe what other successful caterers do. They would then try to apply what they have learned into their small business catering and find out if they are also as effective as what others have achieved.

Often, what others do in order to make their business be known is to give away leaflets or fliers to other people. These fliers have the name of the caterer or the business, business address, contact information, and many more. Others also provide special bonuses and promo in order to attract more customers. But, most importantly, you need to provide your clients or customers with services more than they have expected. This yields to having greater possibilities of the clients or customers getting your services the next time around. …

Feb
15

Reiki for Prosperity, Abundance and Financial Success

Quite a few people have written to me asking how to use Reiki to bring abundance, prosperity and/or

financial success into their lives. This article is a somewhat shortened version of my blog entry on this

matter. Please click on the link below to read the longer version.

I’m going to present a few ideas for using Reiki to achieve abundance, prosperity and/or financial success.

But before I do that, I want to mention that this is one area where Reiki and Feng Shui go together very

nicely. Many books on Feng Shui specifically tell you how to set up your environment to encourage abundance and prosperity.

I do want to acknowledge something before I continue my discussion. To some people, speaking of Reiki and money or Reiki and financial success in the same breath makes them cringe. They view Reiki as pure Love, a spiritual calling, and to introduce the idea of money into the sacred realm of Reiki is abhorrent to them. If that is your viewpoint, I completely understand and respect your position. I have known healers in many fields who have felt the same way.

But I am a bit more of a pragmatist and a realist. I recognize that we need to make a living and we need to support our families. Even more importantly, I realize the negative effects poverty and monetary insecurity can have on us.

When a person feels financially uncertain, even endangered, that person may find it very hard to pay attention to the spiritual aspects of his/her life. If someone has so much financial worry, thoughts of “How will I pay the bills?” and “Will we lose the house?” may occupy so much of that person’s energy and time that they can scarcely think about things like helping others heal.

Does this mean that poor people and people with financial difficulties can’t be spiritual and can’t help others heal? Of course it doesn’t mean that. However, survival issues can become paramount, and for many, many people, these issues interfere with their ability to give any of their energy to spiritual and healing issues. We are all human, with a limited amount of energy and resources available to us at any given time.

But beyond this, I don’t believe there is anything inherently wrong in the desire for abundance, prosperity

and financial security. We live in a world that is run by money; that is the reality we live with, no matter

how much we might wish it were otherwise. Without sufficient money, we are in deep trouble! When we have sufficient money, we can turn our attention more easily to helping others.

Everyone has to define what the term “sufficient money” means to them. For example, I am not fond of the idea of using Reiki to win the lottery, or to win at gambling. Frankly, I don’t like the energy of gambling, because so many people’s lives are ruined by gambling.

Having said that, however, I leave it up …

Feb
14

Video Gets More Money Than Anything – Period

Traffic is the lifeblood of your online business. For any website to be successful, it must have regular targeted traffic. Without visitors coming to the website, all your efforts will be lost.

Question: How do you get targeted traffic to your website WITHOUT competitive with the big boys backlinks?

Answer: By using VIDEO!

So Why Use Video?

Did you know that Google rank video as one of the best ways to appear on the coveted first page of their search engine? If you do search in Google for "How to do something" ie "How to bake a cake" for example, the top 5 results will include a section called "Video Results for …" Try it for yourself and you'll be amazed at what videos are being listed in this highly competitive area on page one.

There must be a reason they are so high up. They must have thousands of quality, relevant backlinks, right?

Wrong! If you do a backlink analysis using Yahoo, you will see that these videos have an incredible, wait for it …. 9 LINKS !! (To use Yahoo backlink checker simply type "link:" before the domain name you want to analyze)

The No.1 company for that search term has a thousand backlinks, but the video, only 3 places down, has only 9 backlinks, which is easily achievable for anyone.

Can you now see the power of using video for your website marketing.

But How Do I Make A Video?

You do not need any fancy, expensive equipment. A standard computer or laptop, a $ 20 Logitech microphone headset and Microsoft PowerPoint or Keynote is all you need to make your video. If you decide to star in your video then use a cheap web cam and record directly into YouTube, and you're done! It's really that easy to start using video.

Video is set to take over the Internet in the not too distant future, so start now. Amazon are using video on their product pages. Do a search for "amazon kindle" and see for yourself how powerful, but simple video is.

So stop wasting your efforts on writing articles (can not believe I'm writing this one!), Optimizing and re-optimizing your web pages and …

Start using video. Period. …

Feb
13

Earn Fast Money Right Now Doing Cool Things Online

These days, it's not uncommon to have more bills at the end of the month than money to pay them. Regular wages are stagnant, and you're tired of barely being able to make ends meet. This is why you could really use a method to make fast, easy money online. But, you've already looked around and have seen nothing but a bunch of sketchy sites making "too good to be true" claims.

Your desire to make quick cash is genuine, though, so you keep searching in hopes of finding a legitimate moneymaking opportunity. I can tell you that I was exactly in this same spot a while ago, and I kept running into lots of dead ends. I kind of had an idea that there may be some sincere ways to make money online, but I was not really getting anywhere.

Fortunately, I was able to stumble across a website that showed me that there were legitimate work offers being listed all the time. So, I began looking at other ways to generate some income online, and discovered that there was a lot more out there than I had originally thought.

When you want to make money now, easy and fast, you first have to make sure that the opportunity is real. It's so easy to get scammed online, and I've been a victim of that myself. The best way to protect yourself is to remember that if an offer looks too good to be true – it probably is.

Anyway, legitimate money making opportunities are always pretty straight forward. There's no guessing about how to make the money, or how you get paid. If you've never made a single dollar online, you can begin making money right away once you know where to look.

Let's say that you're someone who likes to upload funny videos and share the link with friends. Instead of doing this just for kicks, you can sign up with a site where you'll make quick cash just for getting people to watch your video. In fact, you can make money from all sorts of uploaded files. As long as you can bring in lots of traffic, you can make money.

There's another site where you can offer to provide practically any type of helpful service you want for $ 5 bucks a pop. When someone signs up for your service, you perform the task, then get paid quickly. Services on that site range from the mundane to the truly unique. These are just a couple of examples, but there are many more easy things you can do. …

Feb
12

Business Acumen – What is it and How Do I Get It?

During my 9 year career as in house HR, the term "business acumen" was typically applied to HR in the following ways: "Our HR department needs more business acumen" or "HR has a lack of business acumen". Inevitably, these statements would come from the company's business leaders and would there ruffle the feathers of the HR leadership team. As a result, there would be "business acumen" teachable moments in our HR all hands and often times "business acumen" would land as an HR strategic priority. The problem with trying to strengthen business acumen with these tactics is there was very little context given to the HR organization. Most comments would be centered on business acumen as being an important skill set for the HR team but no context for what it was, how to build it, or what the impact of it was. By giving the HR employees concepts with no definition or concrete frame, some individuals often resort to pull out the pertinent pieces of information from these business acumen lessons and rarely knew how to use the information in a strategic way. To help in understanding what it is and what to do with it once you have it, read on.

To begin we must first define the concept of business acumen. Raj Charan, once said that business acumen is "… linking an insightful assessment of the external business landscape with the keen awareness of how money can be made – and then implementing the strategy to deliver the desired results". In essence, business acumen is the triangulation between, external pressures, internal strategy and commerce. Therefore, to ask the human resources professional to have more business acumen is really about understanding where the company is going given the external market conditions and the overall company strategy and then linking this knowledge to the impact it will have on the people component of the organization . By understanding where the company is going based on these business components, human resources can impact how quickly the organization remains ahead of the curve.

For example, we often talk about the impact of emerging competitors, but what does that mean for HR. It means being attuned to the impact this will have on the recruiting base, how we retain and compensate current employees, who in the organization might be affected, etc. In addition to being attuned, a strategy needs to emerge to address these issues quickly and effectively. What this implications is, not only do you need to know where the overall organization is going, but also have an understanding of how it impacts the organizational structure, leadership needs, retention, staffing, etc. and then make recommendations or changes based on all this information. To start, all HR professionals need to understand and internalize their businesses and driving business needs. Below are some tips on how to gain more business acumen within your organization.

4 Steps to Improving your Business Acumen:

  • Understand your company's business model, structure, products and services. This means talking
Feb
11

Bridging Finance – Advantages and Disadvantages

The most important advantage of using Bridging Finance is that you can complete the purchase of a new property before the sale of your existing property has completed. As organising the sale of your existing property and co-ordinating the purchase of a new property can be extremely difficult and create stress and pressure. If there is enough equity in your existing property you may be able to incorporate the finance needed for all of the fees involved. A Bridging Finance Loan is a temporary home loan which enables a purchaser to buy the property of their choice without being held up by the lengthy sales process. This can be a huge plus when you find the property for you and you do not want to risk losing it through a lengthy chain in your sale. You can also use Bridging Finance to avoid moving into rented accommodation and move straight into your new home.

Bridging Finance also has the advantage of having a quick process and has many different uses. It can be used for funding auction finance, first and second mortgages, home renovation and refurbishment, new-build development and construction as well as debt consolidation. Many Bridging Finance providers offer a option to defer fees to be charged until the completion of your sale and then added to your new mortgage, this can be useful in keeping the costs down.

There are several disadvantages when using Bridging Finance that you should be aware of before choosing this route. You may be required to have sufficient equity in your current property to support the purchase of both properties. As well as this you should also note that until your existing property is sold your interest payments will keep adding up, this can lead to difficulties if you do not sell your property quickly. Taking out a Bridging Finance home loan may force you to sell your property at a price lower than you wish to due affordability. You will be charged interest on the entire amount of the new loan. A Bridging Loan is only designed for short term use to bridge the gap between your purchase and sale usually only between 6 to 12 months, obviously the shorter the term of the loan the less cost there will be to you.

When using Bridging Finance you will pay a higher rate of interest this is because Bridging Finance is seen as riskier by the lender. It can be difficult to find a bridging loan this is because the risks are high so not many lenders are involved in the bridging market. There usually is a large amount of paper work and money involved as the finance covers two properties. As the loan is short term lenders do not make the same kind of money as with a traditional mortgage. This makes providing Bridging Finance less attractive for lenders and subsequently results in there not being many available lenders in the market. So when you need a bridging loan quickly this …

Feb
9

Saving Money Through Leveraged Action

A few years ago I attended a workshop at the International Coach Federation conference in Atlanta. Jack Canfield, co-author of the Chicken Soup for the Soul book series, was speaking. He had us fill out a worksheet that detailed what we did each hour in our business day, for each day of the week. Then he had us place a dollar value on each activity. For example, what would filing paperwork cost if we had to pay someone. The third step was to add up the hours that we sent on actual revenue generating tasks and how much they were worth.

It was an awful surprise when I applied the formula to calculate how much I lost each year by doing the work someone else could do for me. According to that figure, by trying to save money and do everything myself, I was LOSING $ 25,000 per year!

We can see through this example how NOT to use leveraged action. I thought I was saving money by doing the work myself, but in reality I was using time more profitably creating more income-generating ideas. Doing those tasks alsoave me an excuse to not take action on my new ideas. That was a wake-up call for me.

To gain momentum, you have to take action, and the more you tap into other resources as you do that, the faster your results will appear. Once you start, you begin to attract the people and resources that will propel you forward.

Waiting until everything is perfect keeps you from finding out your next step. You'll spend all of your time fixing things without knowing if they will ever work.

So start. How do you do that?

1. Run, do not walk when you have a new idea.

2. Take massive action. What appears to be pure coincidence but is really things happening at the same time in parallel begin to occur. You have to be okay with chaos.

3. Make your action simultaneous, not sequential. There are four "Step 1's". Do not work linearly. Begin all things, work each of them, and run them through to completion.

4. Do it before you are "ready". As one of my mentors says, "Ready, Fire, Aim." Start without knowing. It's easier to clean up a mess than to start.

5. Leverage every asset you have:

– Other people's experience: If you are not a bookkeeper and have to learn how to run an accounting program, the learning curve plus the time you spend entering data will add up. Tasks like this may not be cheaper in the present, but they will be cheaper in the long run.

– Expertise: Do what you love and let others do what they love. Doing more of what you do well will soon make you a master at it. By focusing on your area of ​​expertise, your knowledge becomes more valued and you become an expert.

– Connections: By joining associations, creating alliances, and participating in mastermind groups you …