Benefits of an L-Shaped Desk

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Desks are a critical part of any office decor and are usually the hub of activity for any office-oriented industry. Space does not always allow for the more traditional square and rectangular desk designs to fit comfortably without hogging up the interior space. Below are a few of the benefits of switching to an L-shaped desk design.

When Space Is Limited

Renting or purchasing office space is at a premium in many locations. Utilizing every square foot to your advantage will make your office a more productive work environment. Placing a huge desk in the middle of a room will greatly reduce the area you have for chairs, file cabinets, shelves, and electronics. An L-shaped desk can easily fit in a corner, leaving an entire center clearing to walk. The other walls are available for additional storage furnishings.

Fitting Odd Spaces

Trying to fit office furniture into oddly shaped rooms can be a frustrating experience. Not every place is perfectly square. There is more flexibility in using an L-shaped office desk. Unless you are taking up tasks in the oval office, there will always be a corner space available.

Maximizing Desk Space and Open Floor

L-shaped office desks tend to be longer and not as deeply inset compared with a traditional style. The design provides you the maximum amount of desk space packed in the smallest area possible. The L-shape styling is made to help create the appearance of more room in a smaller space.

Multi-Task Center

The available desktop area on an L-shaped office desk is inviting to the multitasking individual. An L-shape desk provides plenty of room for a laptop, books, and separate area for paperwork. All of the space needed to keep your work organized is right in front of you.

Increased Leg Room and Comfort

Trying to fit behind many traditional and computer desks can cramp the legs and have you continually bumping your knees into something substantial. An L-shaped design offers much more leg room. You can move more freely across the desk to retrieve items and get work done throughout the day.

Call on business desk experts like Office Furniture Direct and check out the online catalog of l shaped office desks today!…

Learn All About Visual Merchandising

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The term Visual Merchandising seems serious and confusing. It is related to a retail business, but not many people have a sound knowledge about Visual Merchandising. Understanding this concept might go a long way in establishing and maintaining a successful business.

Visual appeal is important to almost all types of businesses. They are rudimentary for businesses in the fashion and food industry. This article sheds light on the elements and types of visual merchandising that can help your business grow and strive.

What Exactly Is Visual Merchandising?

Visual Merchandising, in simple words is everything that meets the eye. It is the practice of including all the possible physical elements in a business to impress a customer into investing in your store. It is a crucial strategy that plays along the lines of the aesthetics of a product and the current trends.

Visual merchandising is anything that the customer sees inside and outside a retail store, which includes display banners, posters, decorations, signages and layouts. The entire purpose of visual merchandising is to attract customers to the store and eventually increase sales. Visual merchandising includes how the products are presented for customers.

Essential Elements of Visual Merchandising

Color Schemes

Using color codes and texture schemes are a great way to gain attention of the customers. Colors are powerful and are capable of making or breaking your visual property. It requires high artistic skills to assemble the visual merchandise. Remember not to have too many colors as it can become confusing and chaotic. Contrasting color combinations are the safest option to go for.

Space Layout

Making use of the available space is vital. If you do not have enough floor space in your store for visual props and decorations, then make use of the vertical space. Be sure to keep the customers comfortable by ensuring that they have enough space to move around your store.

Store Lighting

Lighting helps in highlighting key elements of your store. You can make use of spot lighting to feature your best merchandise and specific store areas. Lighting helps in setting the mood and the ambience of your retail store.


Window Display: Window displays are primarily for making a statement about your business. Showcase your best products on your windows to bring in customers. They can be changed and decorated according to the influx of trends and seasons. For example, mannequins are used to display clothes and other accessories in the fashion industry.

Shelf Display: Shelf displays are used to declutter your merchandise and for a clear visualization of products you have to offer your customers. Place your best-selling product at the centre of the shelf and at the eye-level of customers

Stock Display: Stock display are products stacked upon one another, usually at the end of an aisle. They usually serve the purpose of having a sale. Examples of this type of displays are usually bathroom utilities, cutlery, clothes and footwear.

Fixture Display: These are the furnishings that are used to hold and display …

The captive insurance industry

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The captive insurance industry has been around in some form since the 1800s. However, it didn’t gain prominence and “legitimacy” until the health care crisis of the 1970s. This is when a number of associations and industries got together in order to create their own insurance companies. In these captive groupings, clients would not only invest but be able to see and make decisions on the inner workings of their policies and premiums. Today, approximately five thousand captive insurance companies exist.

Many of these require a large investment to make a profit while covering losses and premiums at the same time. Yet, this doesn’t leave you out of the loop when it comes to this type of insurance business. If you have some investment, and the documentation to prove it can be paid, then you may want to consider starting a Micro Captive.

In the simplest terms, micro captives give small and mid-sized businesses the ability to protect themselves from the insurable risks. Under Section 831(b) of the IRS tax code, an entity which describes itself as a micro-captive must have written premiums less than or equal to $2.2 million.

There are a number of advantages to a micro-captive which may make owners of smaller businesses take a second look. Premiums which are paid to the micro-captive by those who both invest and are insured by the organization are deductible as an insurance expense. Because of this, there’s potential to lower standard income incurred by a business. The tax rate for the dividends paid to investors may also be lower since a micro-captive gets taxed on net investment income once expenses directly related to investment income are divided out.

Another recent advantage to setting up a micro-captive comes in the form of estate planning. Currently, captive ownership does not have to mirror ownership of the insured. Thus, the captive can be owned by a trust assigned to children or other heirs. However, it this is the purpose of the micro-captive, owners need to be notified of the risks taken when premiums are paid out or if losses occur.

Should a micro-captive be the way you want to go, start by speaking to organizations like CaptiveResources which have been part of the industry for decades. Then, make sure the investors and funds are ready for you to begin.…

How Can I Get Free Money To Start My Own Business

Posted on Posted in business, finance, money, personal

So you want to launch your very own business or product but you do not have the funds to get you started. That can be a major problem. In order to make your business venture become a reality, you will need to have financing in place in order to develop, manufacture, launch and market your business.

Now you must ask yourself the all important question:

How Can I Get Free Money To Start My Own Business?

Well, It's easier than you might think, but first let's entertain some options.

1. You can use your own personal savings. That's assuming that you've managed to sock away a huge amount of money and you've got nothing better to do with it but some how I doubt that is going to be the case.

2. You can always beg, borrow or steal (just kidding) from friends or family members. This option may work for you if you only require a small small loan, However, most business start ups require a much larger amount of money, the kind of money that friends and family simply do not have available, let alone be willing to lend it to you.

3. A more obvious solution would be to take out a bank loan. Sounds easy enough right? Wrong! You'll need to come up with an extensive business not to mention a multitude of solid reasons why your business is worth investing in and prove that you will be able to pay back the loan in a reasonable amount of time.

4.If you have multiple credit cards with very large spending limits you could consider using them to finance your business, however, when you consider the high interest rates associated with credit cards I'm sure you'll agree that this is strictly the way to go. The high interest rates you will have to pay will likely put you into further debt and put business at risk ..

5.Finding Investors is often another consideration but you will find them to be next to impossible to come by when you are first starting out, unless you have a bullet proof business plan that will guarantee high returns quickly, investors simply will not be interested in putting their money at risk.

6.From my own personal experience I have found that the best avenue for locating free money for a small business venture is via state & federal grant programs. The government provides billions of dollars in grant money for business start ups every year, and you do not have to jump through hoops to get it.

So the next time you ask yourself … How Can I Get Free Money To Start My Own Business? I suggest that you save yourself the hundreds of hours it will take you to search individual offerings, by simply accessing a Government Grant Directory, as they will have an extensive database of all government grants available to you. They typically charge a very small, one time fee but you will find it to be …

Money Animal Review – How To Make Money Online?

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Are you looking for a review of the Money Animal system because you want to earn an income online? This article will discuss some of the tactics of making money online, and how the Money Animal can help you get started.

There are actually many ways you can use to make money online, but only a few will be discussed here as there is just too many to share.

1. Google AdSense And Blogs

Many people all over the world are making money with blogs today. A blog is something that can be started for free. All you need to do is sign up for the Google AdSense program. You will be able to place ads on your blog, which will be ads related to the content of your blog. Every time a visitor to your blog clicks on one or more of the ads, you will earn a portion of money the advertiser pays to Google.

2. Clickbank Marketing

It is also free to sign up with Clickbank, is another popular way to make money online. There are thousands of products that you can promote in their marketplace, and you will never run out of ideas and products to make money from Clickbank.

There are various ways to market the products in Clickbank. Money Animal discusses some of the best and highly effective marketing techniques today. If you have some money, you can start earning almost immediately, since you can sign up to Google AdWords and bring the product to your target audience within under 30 minutes.

To find out if you should promote any particular product on Clickbank, check out their gravity and popularity. Basically, you do not want to promote a very unpopular product, since nobody will be looking for it anyway. Remember to check the sales page of the product to make sure it is well presented and all the links are working correctly.

3. More Free Methods To Earn Money Online

These are some of the simplest, low to no cost ways to start making a living on the internet. Of course, there are also many other networks you can join, like Amazon or Ebay, and it is also possible to make a lot of money from them. If you need step by step instructions to get started, visit the website link below.…

Gift Giving Guide to Saving Money On Valentine's Day

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Valentine's Day is filled with so many pressures. The pressure to classify personal relationships, pressure to be intimate, pressure to go out to dinner and of course to spend money. While reading this article will do nothing to eliminate these pressures, I will certainly hope that you will feel more at ease about the upcoming holiday.

Flowers are quite beautiful and a pleasure to receive. But if sending a bouquet of flowers is not in your budget this year, consider taking your loved one to a beautiful botanical garden. Some gardens are absolutely free and others have free admission on certain days or hours of the week. Just check your local listings and websites for details. Alternately, you can give your sweetheart a "save the date" coupon to plant your own personal garden in the spring. This option can be personalized to include favorite plants or flowers, favorite colors for thecoming blooms and even herbs are an option. One can spend a small fortune on a vase of flowers that may only last a week or a take some time and create a memory that will last way beyond Valentines.

Ok, I love chocolate just as much as the next person. But if a fancy box of confections is not in your budget then I have a simple solution. Go to the grocery store and buy a box of cake mix and some icing and make your own "chocolately" treat. I have seen cake mixes for just under a dollar at times. I guarantee your loved one will appreciate the effort. If you want to be even more romantic, consider baking the cake together. A romantic interlude may be in your immediate future if you include some sexy lingerie in that baking class. However, if baking is not part of your DNA then here is another option: go to a candy store and pick up some of your sweetheart's nostalgic favorites. They will be elated when they open a bag filled with sweet goodies that are sometimes hard to find.

Most holidays are surrounded by some type of food as part of the celebration. For Valentine's Day, confectionaries and fancy dinners are all the rage. But instead of trying to get a table at a stuffy restaurant with hundreds of other love birds, try cooking a special candle lit dinner at home instead. A simple internet search will produce several recipes to choose from. Some websites even allow you to search the recipe database, based on ingredients. Thus, you can customize your romantic meal according to what you have on hand.

Perfume and Card
Still searching for the right card for your loved one? How about writing a letter? A lost art form I know, but so impactful. Nothing says I love you like a letter from the heart. No one can say your words better than you can. Too make it extra personal you can put some of your perfume or cologne on the paper so …

Harnessing the Power of Business Roundtables

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As a business owner, how often do you have the opportunity to talk one-on-one with other owners or executives about ideas? Many small- and medium-sized company owners and executives frequently feel they are working in a vacuum because they rarely have the opportunity to exchange ideas with peers and other professionals. Business roundtables enable owners to cash in on the roundtable’s pool of experience and the expertise of skilled facilitators.

Roundtables typically are comprised of business owners and CEOs who come together to share ideas, discuss challenges or concerns, and to learn new ways to approach old problems. They are different than advisory boards that bring a group of professionals representing different areas of business together to assist one company in making decisions and to offer advice in steering the business into the future. Executive roundtables are proactive and interactive.

Most business roundtables group similar companies together so business owners interface with others dealing with challenges and issues within their businesses. For example, small and medium companies are grouped together because they share commonality in size, while larger companies meet separately.

Some roundtables even take this process a step further, and group companies by industry — service companies, for example, would be grouped separately from manufacturers or other product-oriented companies. Nevertheless, good facilitators possess the experience to avoid grouping companies competing in the same industries in order to spur discussion on critical business issues.

Concepts and ideas are introduced at monthly meetings where members follow a 12-month curriculum. Homework also is assigned to roundtable participants who are asked to complete it by the next meeting, along with any questions for discussion. Since adult learners must use new information for it to “stick,” homework assignments are critical for the adult mind to retain new concepts.

Nothing about the way a business roundtable is conducted is left to chance. Members attend meetings offsite to hold distractions to a minimum. Each meeting follows an agenda so time is used productively and wisely. Each member is asked to commit to the group and make every attempt to attend each meeting. The presence of all members is key to the synergy that commonly accompanies business roundtables. Many owners even keep in touch long after the roundtable is over – a sign that these relationships offer much more than camaraderie.

Since there are many members to share the fee, the cost to members is a fraction of the cost that a one-on-one business performance consultant would charge. At the suggested $1,000 to $4,000 per advisory board member per meeting fee, business roundtables look like a steal at between $400 and $600 per month.

And that’s only one of the many benefits owners and CEOs find they have a safe haven to discuss issues that weigh heavily on their minds. They soon discover and learn, from others who have experienced similar issues that they are not alone in their quest for top talent, increased productivity and decreased costs. Besides being an objective sounding board for members’ ideas, …

The One Important Secret of Making More Money Easily

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If you're reading this article, it means you're a person who wants to make more money in life.

Who does not? Money is not everything in life, but it sure helps to decrease problems if it is used correctly.

Some people think that they do not deserve to make more money in life. But you are different. You put effort in to change your life for a wealthier lifestyle.

If I say to you that it's easy to make money instantly, that would be a lie right?

It's not easy to make money immediately, but it's worth the effort to put in to ensure that you will have more money to spend in future.

Contradictory to that, it's easy to make money when you know the correct tools and strategies to apply for achieving it.

You may not be able to make more money instantly, but you can definitely make more money over a certain period of time with the proven strategies that I've used over and over again.

Here's the one secret of making more money easily.

Use other people's time, skill, talent, networks or money.

Do not waste your time trying to figure out a solution if someone else already has the key to solve the problem.

In another word, do not try to be smart and re-invent the wheel.

Is it ethical to 'use' other people's resources?

Of course it is! As long as you are creating a win / win offer to that person and not exploiting them, I can not see any reason why you should not be 'using' the resources that is available in front of you.

The rich call this LEVERAGING.

I call this a darn smart rich idea.

Most of the rich people use this secret in their life to make more money.

Some of rich are consciously using it, some are using leverage unconsciously.

Let's look at multi level marketing leaders. They 'leverage' on their downlines to make them more money and work less

themselves. Of course, you can discuss all you want about mlm industry but the power behind a successful mlm company and it's distributors / business owners is by leveraging on the strength of duplication.

How about Fortune 500 companies? Do they use leverage?

You bet.

Nike, Dell, StarBucks and all those companies leverage on their staff to make more money.

One of the best example of leverage is in the franchising business. Imagine, Ray Kroc the owner of McDonald's franchise business.

He does not have to 'work' because he has hundreds (or thousands!) Of franchised McDonald's restaurant across the globe that is paying him franchise fees annually.

Here's another example.

I use the internet as leverage for getting my product to sell to a mass market overseas.

The tip here to make more money is to understand and learn how to use leverage so that it creates a win / win situation for everyone.

If you do not lease, you'll be trading your time for money.

This …

How To Blog For Money – 5 Tips To Making Money With Your Blog

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My guess is that people who come online asking how to blog for money really are reliably green to the blogging community. Let alone have mush experience about the online marketing arena.

No matter you are in the right place and I will reveal to you the 5 quick ways that will benefit you if you are a beginner or an intermediate blogger . Prepare to take notes and set a schedule to put these tips into action.

  • Monetizing From Google Adsense. One of the most preferred methods to monetize on all blogs is using Google Adsense. You see those text or colorful banners on some blogs? That is it. Basically, you just register for a free account in to get started.
  • Putting Up A Donations Button. By that I mean you do not just beg for money or some pitiful penny by asking for it on your blog. It is an honorable thing. Your loyal readers who appreciate your contents will gladly buy you "beer money" out of respect.
  • Selling Text Link Ads. In order to be able to cash in on text link ads, you will have to morph you blog into a virtual "authority" on Google and that means people will pay you a fixed amount via this company to gain some text links. Its like selling some outgoing text links.
  • Promoting Affiliate Programs. Perhaps this method is already known to you but let me say that you must only promote programs in accordance with your content. Learning how to blog for money is the easiest with this method as you will learn how to market as well.
  • Selling Your Own eBooks Or Reports. While most bloggers actually give out free content on their blog you can use some of your posts that always revolves around about your product. This is useful if you are planning to create a simple 25 page report to sell at say, $ 10 per digital copy.
  • At the very least, anyone can gain enough knowledge on how to blog for money in less than a weekend. However, you will begin to increase your income if you also learn how to market products online by investing in some genuine blogging guides. …

    You Think You Know How To Spend Money?

    Posted on Posted in finance

    Do you think you really know how to shop? How do you calculate how much you pay the next time you take a loan? Do you have a system whereby you know how much is it that you can afford the next time you buy a car or a house?

    You just bought a car. The installation is around $ 650 a month and you are determined that you can afford to pay the installation. You calculated the interest rate, term of loan and depreciation value and you are very sure that you can afford to maintain the car. After six months driving your car, you feel the pinch of paying your installation and you have a lot of bills, parking tickets and fines that you have not settle.

    What do you do after this? You spend less, you travel less to save on your petrol and when all else fails, you decide to sell the car. However, you still have to carry on driving the car because you still have not breakeven your loan wit the finance company. For all you know, you are stuck with your car and financial problem start coming in like termites. Does this sound like you or at least sound like someone that you know?

    I am not here to tell you not to buy a car or to nag you that made the wrong choice buying the car. I am not even here to tell you to avoid taking loans and to buy your car in full cash. However, what I am going to do is to teach you how to calculate whether you can afford or not.

    You may think that I am talking nonsense and that I do not do a thorough research on this topic. Well, think again. It's because I see this problem too often that thought about it for three days in a row and try to think of a way to tell people on how to calculate the right way. A method a nine year old will know how to apply!

    The method that I am going to share with you is simply what I call the 'Percentage Calculator TM'. Let me share with you how. Human beings are better at number 0 to 100. What a better way to calculate everything in percentage. If you say $ 2500 (100%), savings is $ 500 (20% of income), expenditure including mortgage or rental is $ 1500 (60% of income), you are only left with 20% of your income that is $ 500.

    With 20% of your income left, and knowing that you expenditure is kept at the minimum, do you want to buy a car still? You may disagree with me and tell me that with $ 500 you can still afford to pay your monthly installments. I totally agree with you but does this mean you would give up your shopping, holidays and entertainment? So, my advice is, the next time you buy something in installment or …