If you were celebrating Valentines Day with a candlelight dinner for two at home and settled in to watch a movie, "Sleepless in Seattle" would be a great choice because it provides a pleasant experience and is already becoming a romantic comedy classic.
Your parents or grandparents experienced a similar story line in the now classic "An Affair to Remember" that was released in 1957 and paired Cary Grant and Deborah Kerr. Their characters fall in love and agree to meet in 6 months at the Empire State Building in New York.
Sleepless in Seattle, released 36 years later in 1993, pairs Tom Hanks as Sam Baldwin and Meg Ryan as Annie Reed. Sam is the recently-widowed father of 8-year-old Jonah Baldwin (Ross Malinger), who calls a nationally-broadcast radio talk show in an attempt to find his lonely father a partner.
A somewhat reluctant Sam talks to host Marcia Fieldstone and thousands of single women across America are suddenly drawn in to Sam's sense of love for his former wife, each wishing she could be as cherished as Sam's next special person. To wit:
Doctor Marcia Fieldstone: Tell me what was so special about your wife?
Sam Baldwin: Well, how long is your program? Well, it was a million tiny little things that, when you added them all up, they meant we were supposed to be together . . .and I knew it. I knew it the very first time I touched her. It was like coming home . . . only to no home I'd ever known . . .I was just taking her hand to help her out of a car and I knew. It was like . . . magic.
If that dialog does not melt every woman's heart she would need to go straight to "The Wizard of Oz" and receive a new transplant. Soon Sam is getting thousands of letters from wannabe partners, all of which are read by his son Jonah, who decides that "Annie" is the best choice.
Annie is engaged to marry Walter (Bill Pullman). Should she do so she would be making the first great mistake of her life. Walter is a decent enough chap, but Annie is missing any sparks in their relationship because Walter has the personality of an ashtray.
Annie goes to great lengths to meet Sam, flying from New York to Seattle only to discover Sam with another woman, whom she mistakes for a love interest. She never mails a letter she has written to Sam, but her friend does. In it she proposes to meet Sam on top of the Empire State Building.
Sam is not interested in going, but his son Jonah is, so, with the help of his new friend whose parents own a travel agency, he is able to book a flight to the Big Apple and ends up on the observation deck of the Empire State Building looking for Annie. Sam, in a panic, to find his son, follows him to New York. The rest you will have to see.
Hanks is very convincing as a forlorn widower and Ryan was at her peak of being cute and innocent. The chemistry between the two, who only share approximately 2 minutes of screen time together, is great.
dimanche 5 octobre 2008
Internet Marketing Companies, Online Marketing Degree, Online Marketing Service
ONLINE MARKETING SERVICE
Online Marketing Service, also referred to as Internet marketing service is about using the Internet as another channel to market your business or organization. It’s about broadening your Web visibility, attracting qualified visitors to your website or getting interested people to email or call without even needing to come to your site. When visitors do come, through on-site marketing efforts and strong features, you lead them to do what you want them to do: fill out a form, register for an event or make a purchase from you through the internet usage. Some people would be eased to make their necessary work about their company by providing online worker from other place to make their job more easy to do.
Online Marketing Service builds, executes and measures direct response strategies using the Internet. Some key areas that the company should consider to concentrate on are acquisition of specific information, retention of the data being given on the site, awareness of how the site should be handled, optimization of the site content and behavior, and conversion of details through a more useful resource to the users online.
Here are some of the processes that the company should consider in getting their online marketing more effective:
1. Define Your Goal - work together with every member of your company to help clearly define exactly what it is you want to accomplish towards a more fruitful future using the online marketing service and how to set up goals which are important to the company.
2. Develop the Plan – the company should develop strategic, effective and measurable direct response marketing plans designed to achieve the company goals. Through the company's efforts of each member, a more suitable and easy way of conducting the plan can be performed.
3. Execute the Plan - provide capable and experienced project management throughout the entire implementation process. Each member of the company should be reliable, thorough, well-connected, and determined to make satisfied clients that are connected to the company. With these at hand, satisfied clients are willing to cooperate and pay more for the efforts of the company.
4. Measure the Results - No online marketing campaign is complete without measuring the results. Internet marketing strategies take tracking and measuring of the clients website advertisements before implementation occurs. This way, the company can measure their effectiveness to the clients as well as how better they know their company's effectiveness in the process. With the good results that the company is displaying, more and more clients are willing to be with the company and won't have second thoughts of paying a good amount for a good service that the company offers. Clients' satisfaction are very vital when it comes to consideration about the company's main goal.
Online Marketing Service, also referred to as Internet marketing service is about using the Internet as another channel to market your business or organization. It’s about broadening your Web visibility, attracting qualified visitors to your website or getting interested people to email or call without even needing to come to your site. When visitors do come, through on-site marketing efforts and strong features, you lead them to do what you want them to do: fill out a form, register for an event or make a purchase from you through the internet usage. Some people would be eased to make their necessary work about their company by providing online worker from other place to make their job more easy to do.
Online Marketing Service builds, executes and measures direct response strategies using the Internet. Some key areas that the company should consider to concentrate on are acquisition of specific information, retention of the data being given on the site, awareness of how the site should be handled, optimization of the site content and behavior, and conversion of details through a more useful resource to the users online.
Here are some of the processes that the company should consider in getting their online marketing more effective:
1. Define Your Goal - work together with every member of your company to help clearly define exactly what it is you want to accomplish towards a more fruitful future using the online marketing service and how to set up goals which are important to the company.
2. Develop the Plan – the company should develop strategic, effective and measurable direct response marketing plans designed to achieve the company goals. Through the company's efforts of each member, a more suitable and easy way of conducting the plan can be performed.
3. Execute the Plan - provide capable and experienced project management throughout the entire implementation process. Each member of the company should be reliable, thorough, well-connected, and determined to make satisfied clients that are connected to the company. With these at hand, satisfied clients are willing to cooperate and pay more for the efforts of the company.
4. Measure the Results - No online marketing campaign is complete without measuring the results. Internet marketing strategies take tracking and measuring of the clients website advertisements before implementation occurs. This way, the company can measure their effectiveness to the clients as well as how better they know their company's effectiveness in the process. With the good results that the company is displaying, more and more clients are willing to be with the company and won't have second thoughts of paying a good amount for a good service that the company offers. Clients' satisfaction are very vital when it comes to consideration about the company's main goal.
Georgia Workers' Compensation Benefits - What Employees Are Entitled To Benefits?
This article is made available for educational purposes only, to give you general information and a general understanding of the law, not to provide specific legal advice. This should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.
What is Workers' Compensation?
In Georgia, Workers' Compensation operates as a "no fault" system for compensating injured workers for time missed from work and for costs of necessary medical treatment. The system presents trade-offs for Georgia workers. While it bars claims against an employer for personal injury, it also bars some of the defenses an employer could use against a workers' claim such as "assumption of the risk" or that the injury was caused by a fellow employee.
This system means you cannot sue your employer in State/Superior court for your injuries, like you would in other instances. Instead, an injured employee is compensated according to a schedule set out by the Georgia State Board of Workers' Compensation. Sadly, this means you will not be able to sue your employer for such things as pain and suffering from your injuries.
Exactly who is allowed to make a Georgia Workers' Comp claim?
The foundation of workers' compensation law is in defining who is an employer and an employee for workers' compensation purposes. Unfortunately, it is not always as simple as "I work for Company X, therefore Company X is my employer and I am his employee."
The basic rule as to whether an employee/employer relationship exists involves two seemingly simple criteria; 1) a person in the service of another, who is 2) under contract of hire.
There is no requirement that a work contract be written. Actual pay may not be necessary (ex. Volunteer firefighters or police, elected officials). Minors can still benefit from workers' compensation even if they are working in violation of child labor laws. Also, unlike many states, migrant workers and temporary employees are covered.
However, many types of employment or employers are not subject to workers' compensation. Types of employment not covered by Georgia Workers' Compensation include Domestic servants, Farm laborers, Railroad common carriers, Sports officials (umpire, judge, linesman, scorekeeper, timekeeper, etc.), Licensed real estate salespersons with independent contractor agreements, Partners in a business, and Independent Contractors.
Georgia Workers Compensation does NOT apply to employers that do not have at least three employees operating in the same business within Georgia. These minimum three employees must be "regularly in service" within the state. The term "regularly" does not mean constantly or continuously, only that there is a routine practice by the employer to utilize three or more employees, even if that many employees are working on the date of an accident. In most situations your boss will count towards the three employee requirement.
What is Workers' Compensation?
In Georgia, Workers' Compensation operates as a "no fault" system for compensating injured workers for time missed from work and for costs of necessary medical treatment. The system presents trade-offs for Georgia workers. While it bars claims against an employer for personal injury, it also bars some of the defenses an employer could use against a workers' claim such as "assumption of the risk" or that the injury was caused by a fellow employee.
This system means you cannot sue your employer in State/Superior court for your injuries, like you would in other instances. Instead, an injured employee is compensated according to a schedule set out by the Georgia State Board of Workers' Compensation. Sadly, this means you will not be able to sue your employer for such things as pain and suffering from your injuries.
Exactly who is allowed to make a Georgia Workers' Comp claim?
The foundation of workers' compensation law is in defining who is an employer and an employee for workers' compensation purposes. Unfortunately, it is not always as simple as "I work for Company X, therefore Company X is my employer and I am his employee."
The basic rule as to whether an employee/employer relationship exists involves two seemingly simple criteria; 1) a person in the service of another, who is 2) under contract of hire.
There is no requirement that a work contract be written. Actual pay may not be necessary (ex. Volunteer firefighters or police, elected officials). Minors can still benefit from workers' compensation even if they are working in violation of child labor laws. Also, unlike many states, migrant workers and temporary employees are covered.
However, many types of employment or employers are not subject to workers' compensation. Types of employment not covered by Georgia Workers' Compensation include Domestic servants, Farm laborers, Railroad common carriers, Sports officials (umpire, judge, linesman, scorekeeper, timekeeper, etc.), Licensed real estate salespersons with independent contractor agreements, Partners in a business, and Independent Contractors.
Georgia Workers Compensation does NOT apply to employers that do not have at least three employees operating in the same business within Georgia. These minimum three employees must be "regularly in service" within the state. The term "regularly" does not mean constantly or continuously, only that there is a routine practice by the employer to utilize three or more employees, even if that many employees are working on the date of an accident. In most situations your boss will count towards the three employee requirement.
Add Class and Style to Your Room with Chesterfield Furniture
When attempting to bring class and style into your home, leather furniture is the way to go. While there are several different kinds of leather and companies to choose from, there is nothing quite like leather chesterfields. Chesterfield furniture has been around for quite some time and continues to bring wonderful furniture into people's homes worldwide. Adding Chesterfield furniture to your home gives you rich and world class feel to the living room. No longer do you have to settle for a mediocre sofa that disappears in the room. You can make a Chesterfield sofa the highlight of the room with the magnificent leather and beautiful colour.
While this furniture used to be out of the price range for many, it has gradually become more affordable for everyone. But the status quo remains the same as this is high class furniture that can brighten up the room and bring your office or living room to another level.
There is nothing better than being able to show off a fine piece of furniture to family and friends like Chesterfield furniture. Guests will have the luxury of sitting on pure, soft, and comfortable leather sofa. And unlike many sofas that require attention after a couple of years, you will have your Chesterfield sofa for years to come because of the high-class durability.
Placing this luxury furniture in the living room is ideal to show it off, but it can also make for a fine piece of furniture in the office. There is nothing that says class and wealth in an office better than furniture like this. It will imply prosperity to those who enter your office and give your office a true working atmosphere.
Although you may not be aware of it at the time, but image can mean everything in a home. Replacing ragged sofas with a Chesterfield sofa can do wonders for your home. It will liven the room up, give it character, and present wealth in a new manner. And because of the style, you can put virtually anything around the sofa and create a beautifully crafted room.
It is hard to believe that one sofa could have such an impact on a room, but that is exactly what you are getting with leather chesterfields. It is the finest furniture around and can be purchased at a reasonable price. And with the durability it is built with, you can enjoy the comfort of fine leather for years to come.
While this furniture used to be out of the price range for many, it has gradually become more affordable for everyone. But the status quo remains the same as this is high class furniture that can brighten up the room and bring your office or living room to another level.
There is nothing better than being able to show off a fine piece of furniture to family and friends like Chesterfield furniture. Guests will have the luxury of sitting on pure, soft, and comfortable leather sofa. And unlike many sofas that require attention after a couple of years, you will have your Chesterfield sofa for years to come because of the high-class durability.
Placing this luxury furniture in the living room is ideal to show it off, but it can also make for a fine piece of furniture in the office. There is nothing that says class and wealth in an office better than furniture like this. It will imply prosperity to those who enter your office and give your office a true working atmosphere.
Although you may not be aware of it at the time, but image can mean everything in a home. Replacing ragged sofas with a Chesterfield sofa can do wonders for your home. It will liven the room up, give it character, and present wealth in a new manner. And because of the style, you can put virtually anything around the sofa and create a beautifully crafted room.
It is hard to believe that one sofa could have such an impact on a room, but that is exactly what you are getting with leather chesterfields. It is the finest furniture around and can be purchased at a reasonable price. And with the durability it is built with, you can enjoy the comfort of fine leather for years to come.
Sci-Fi & Fantasy, Horror, Gaming...They Are Not All The Same
A very large number of people who have never attended a Sci-Fi convention have the idea that they are all about people standing in line to get autographs of actors while wearing Klingon makeup and costumes or pointed ears. I’m not saying that those stereotypes don’t exist but the Convention experience is much richer and diverse than you may have been led to believe. To get the best experience it is important first consider your interests and then match them to what conventions are available.
Conventions come in two primary flavors. Professional and fan run. Professional conventions should have actors who have appeared in genre television and films ready to sign autographs and have their photos taken with fans. Some of these conventions include the costs of autographs and photo sessions in the cost of admission others operate in more of an a la carte fashion.
Often genre conventions have previews of new shows and films, and usually an extensive dealer’s room where you can buy anything from jewelry, ornaments, t-shirts and action figures to full scale replicas and costumes...and more. While there are a number of professional promoters the best known and run are Chiller Theatre Expo, Creation Entertainment, Fed Con ( Germany ), Starland and Vulcon. Do expect things to be as advertised and run on time. Do not expect warm and fuzzy.
Warm and fuzzy is more the field of fan run conventions. Fans who get together to run conventions have a great deal of enthusiasm, but usually are run with a volunteer staff and can be a bit “bumpy” with organization of the activities. What you can expect? A movie room, anime room, gaming room, art show, dealer’s room, and various special interest group rooms and tables. It is a rare con that doesn’t have a dance and a masquerade. Many fan run conventions also have guests ranging from actors, authors, cartoonists, illustrators, scientists etc. You may also find workshops for writing, acting, art, costuming, make-up and special effects. It all varies from convention to convention and year to year. Older fan run conventions such as Aggie Con, Balticon, Bay Con, CONvergence, Dragon Con, ICON, Shore Leave, United Fan Con, Toronto Trek to name a few.
The following sections may help you in selecting the kind of convention you would enjoy the most. Don’t be afraid to try other sorts once you’ve sampled those that are in your comfort zone. Exploration can be fun:
• LITERARY CONVENTIONS
Love to read speculative fiction? Do you have an interest in attending workshops on writing and publishing? Would you like to mingle with like-minded fans and meet professionals in the field such as authors, editors, illustrators and publishers? Then a literary convention would be the place you might enjoy most. Conventions such as World Science Fiction Convention (which is where the Hugo awards are announced), the World Fantasy Convention, World Horror Convention, Balticon, Philcon, Lunacon, Boskone, Readercon, Wiscon and Capclave are all reader friendly and while you may find the occasional filking group, men in kilts, swords and women in medieval garb I doubt that you’ll see many people dressed like the attendees of the convention seen in the movie Galaxy Quest. OK maybe one or two but they are a tiny minority.
• MEDIA CONVENTIONS
Media conventions are very much about television and film. Science Fiction & Fantasy or Horror & Paranormal guests abound. You may meet and hear behind the scenes stories of actors and illustrators, SFX experts and make-up artists and a host of media professionals. Many of the attendees may be wearing costumes. Depending on whether you are going to a “pro” con or a fan run con the rest will vary greatly. Parties are expected and encouraged. At a pro convention this will take the form of a banquet with the guests at a fee and/or a dance or cocktail party all for various prices. Fan run convention also may have a price attached to a banquet or “private” gathering with a particular celebrity or celebrities but they will also have fee free dances, masquerades, art shows, filking, sword demonstrations etc. Toronto Trek, Celebration, BotCon, Dragon Con , Comic-Con ( both Dragon Con and Comicon will appear under many categories)
• GAMING CONVENTIONS
Gamers come in all shapes, sizes, ages, colors and ethnic backgrounds but they all have something in common. A love of games. Role playing, live, pen and paper, MMOG as well as video gamers and board gamers all have a lot of interactive fun at gaming conventions. You can meet game designers, try out new games that have yet to hit the general market, and play in tournaments for glory and prizes. Once an almost male-only pursuit, gaming now has a growing number of female enthusiasts Gaming has become so pervasive that it is now nearly socially acceptable to the mainstream public. Nearly.
There are giant conventions like GENCON and ORIGINS, where it is so crowded you may have trouble negotiating the exhibition halls due to the crowds. The upside is the great diversity and FREEBIES as there are so many gaming companies competing for your attention. Then there are the more intimate play intensive ones like Archon, CastleCon, Dragonflight Dreikonigsnacht (Twelfth Night), Festival of Dreams, HexaCon, KublaCon, MACE, MarsCon, Marmalade Dog, ShaunCon, Strategicon, The Once and Future Con, and many many more.
Keep in mind that many conventions other than pure gaming conventions have gaming tracks. If you like to game but want to do more than only game during the weekend you might look into some of the other cons with a strong gaming element.
Conventions come in two primary flavors. Professional and fan run. Professional conventions should have actors who have appeared in genre television and films ready to sign autographs and have their photos taken with fans. Some of these conventions include the costs of autographs and photo sessions in the cost of admission others operate in more of an a la carte fashion.
Often genre conventions have previews of new shows and films, and usually an extensive dealer’s room where you can buy anything from jewelry, ornaments, t-shirts and action figures to full scale replicas and costumes...and more. While there are a number of professional promoters the best known and run are Chiller Theatre Expo, Creation Entertainment, Fed Con ( Germany ), Starland and Vulcon. Do expect things to be as advertised and run on time. Do not expect warm and fuzzy.
Warm and fuzzy is more the field of fan run conventions. Fans who get together to run conventions have a great deal of enthusiasm, but usually are run with a volunteer staff and can be a bit “bumpy” with organization of the activities. What you can expect? A movie room, anime room, gaming room, art show, dealer’s room, and various special interest group rooms and tables. It is a rare con that doesn’t have a dance and a masquerade. Many fan run conventions also have guests ranging from actors, authors, cartoonists, illustrators, scientists etc. You may also find workshops for writing, acting, art, costuming, make-up and special effects. It all varies from convention to convention and year to year. Older fan run conventions such as Aggie Con, Balticon, Bay Con, CONvergence, Dragon Con, ICON, Shore Leave, United Fan Con, Toronto Trek to name a few.
The following sections may help you in selecting the kind of convention you would enjoy the most. Don’t be afraid to try other sorts once you’ve sampled those that are in your comfort zone. Exploration can be fun:
• LITERARY CONVENTIONS
Love to read speculative fiction? Do you have an interest in attending workshops on writing and publishing? Would you like to mingle with like-minded fans and meet professionals in the field such as authors, editors, illustrators and publishers? Then a literary convention would be the place you might enjoy most. Conventions such as World Science Fiction Convention (which is where the Hugo awards are announced), the World Fantasy Convention, World Horror Convention, Balticon, Philcon, Lunacon, Boskone, Readercon, Wiscon and Capclave are all reader friendly and while you may find the occasional filking group, men in kilts, swords and women in medieval garb I doubt that you’ll see many people dressed like the attendees of the convention seen in the movie Galaxy Quest. OK maybe one or two but they are a tiny minority.
• MEDIA CONVENTIONS
Media conventions are very much about television and film. Science Fiction & Fantasy or Horror & Paranormal guests abound. You may meet and hear behind the scenes stories of actors and illustrators, SFX experts and make-up artists and a host of media professionals. Many of the attendees may be wearing costumes. Depending on whether you are going to a “pro” con or a fan run con the rest will vary greatly. Parties are expected and encouraged. At a pro convention this will take the form of a banquet with the guests at a fee and/or a dance or cocktail party all for various prices. Fan run convention also may have a price attached to a banquet or “private” gathering with a particular celebrity or celebrities but they will also have fee free dances, masquerades, art shows, filking, sword demonstrations etc. Toronto Trek, Celebration, BotCon, Dragon Con , Comic-Con ( both Dragon Con and Comicon will appear under many categories)
• GAMING CONVENTIONS
Gamers come in all shapes, sizes, ages, colors and ethnic backgrounds but they all have something in common. A love of games. Role playing, live, pen and paper, MMOG as well as video gamers and board gamers all have a lot of interactive fun at gaming conventions. You can meet game designers, try out new games that have yet to hit the general market, and play in tournaments for glory and prizes. Once an almost male-only pursuit, gaming now has a growing number of female enthusiasts Gaming has become so pervasive that it is now nearly socially acceptable to the mainstream public. Nearly.
There are giant conventions like GENCON and ORIGINS, where it is so crowded you may have trouble negotiating the exhibition halls due to the crowds. The upside is the great diversity and FREEBIES as there are so many gaming companies competing for your attention. Then there are the more intimate play intensive ones like Archon, CastleCon, Dragonflight Dreikonigsnacht (Twelfth Night), Festival of Dreams, HexaCon, KublaCon, MACE, MarsCon, Marmalade Dog, ShaunCon, Strategicon, The Once and Future Con, and many many more.
Keep in mind that many conventions other than pure gaming conventions have gaming tracks. If you like to game but want to do more than only game during the weekend you might look into some of the other cons with a strong gaming element.
Acne Fact and Fiction! Do Stress, Facials and Concealer's
What is Acne? People have differing opinions as to what acne really is. So, what exactly is acne? Do a couple of occasional but recurring zits qualify as a case of acne or do you have to have a lot of zits?
Believe it or not, the answer is that occasional pimples or zits do not constitute a true case of acne. Although zits do seem to have the ability to appear almost instantaneously and at the most inopportune times like picture day, prom night, spelling bees, sporting events, dates, and special award ceremonies, they are not a true acne outbreak.
The dictionary defines acne as "an inflammatory disease of the sebaceous glands, characterized by comedones and pimples, especially on the face, back, chest, and, in severe cases, by cysts and nodules resulting in scarring."
The anatomical definition of sebaceous glands is: "small subcutaneous glands usually connected with hair follicles. The follicles secrete an oily semi-fluid matter, composed in great part of fat, which softens and lubricates the hair and skin."
Real acne outbreaks are actually a disease of the skin. However, the great news is that acne is treatable. Although it can be very embarrassing, cause great emotional distress, and lower your personal self-esteem for a period of time, acne is not fatal.
There are new and effective treatments being sought by researchers and great advances have been made in the treatment of acne in the last few years. Years ago, when a person had acne, they were pretty much stuck with the problem. There were very few treatments available and the medical profession didn't even consider acne a disease.
It was long thought that acne was the direct result of a diet that was too high in fat and/or sweets. That is no longer the case. Acne is most often associated with puberty and the onset of pre-teen and teenage years but it can and does develop in adults as well. When acne does finally heal, there can be permanent scars left (from picking and popping) that are unsightly and cause patients to suffer long term emotional distress and low self- esteem.
New and very effective skin resurfacing treatments have been developed over the last several years that have, if not completely removed acne scars, at least diminished their appearance and severity.
Acne Fact or Fiction:
You can hear a lot of tall tales about acne today, so let's take a look at the fact or fiction of acne. It is always better to be well armed with factual information so that you don't get fooled by the fictional facts that surround acne.
Believe it or not, the answer is that occasional pimples or zits do not constitute a true case of acne. Although zits do seem to have the ability to appear almost instantaneously and at the most inopportune times like picture day, prom night, spelling bees, sporting events, dates, and special award ceremonies, they are not a true acne outbreak.
The dictionary defines acne as "an inflammatory disease of the sebaceous glands, characterized by comedones and pimples, especially on the face, back, chest, and, in severe cases, by cysts and nodules resulting in scarring."
The anatomical definition of sebaceous glands is: "small subcutaneous glands usually connected with hair follicles. The follicles secrete an oily semi-fluid matter, composed in great part of fat, which softens and lubricates the hair and skin."
Real acne outbreaks are actually a disease of the skin. However, the great news is that acne is treatable. Although it can be very embarrassing, cause great emotional distress, and lower your personal self-esteem for a period of time, acne is not fatal.
There are new and effective treatments being sought by researchers and great advances have been made in the treatment of acne in the last few years. Years ago, when a person had acne, they were pretty much stuck with the problem. There were very few treatments available and the medical profession didn't even consider acne a disease.
It was long thought that acne was the direct result of a diet that was too high in fat and/or sweets. That is no longer the case. Acne is most often associated with puberty and the onset of pre-teen and teenage years but it can and does develop in adults as well. When acne does finally heal, there can be permanent scars left (from picking and popping) that are unsightly and cause patients to suffer long term emotional distress and low self- esteem.
New and very effective skin resurfacing treatments have been developed over the last several years that have, if not completely removed acne scars, at least diminished their appearance and severity.
Acne Fact or Fiction:
You can hear a lot of tall tales about acne today, so let's take a look at the fact or fiction of acne. It is always better to be well armed with factual information so that you don't get fooled by the fictional facts that surround acne.
All About Pizza
The term pizza covers a lot of territory. If you want to learn all about pizzas, then you should have a bit of a background on pizzas: specifically the history of pizza, pizza origin, pizza facts, and even pizza trivia such as who invented pizza. The subject also delves into the different types and styles of pizzas. The varieties currently existing defy any attempts at enumeration. Thus, most people who attempt such a task stop at a broad categorization of pizza types according to certain attributes such as crust thickness, crust elasticity, crust baking and cooking procedures, toppings, etc. Aside from general, historical or trivial information, other things are of interest to the pizza lovers. For instance, homemade pizza enthusiasts would like to know certain tips and tricks for making pizza. This includes pizza making techniques, the best pizza crust recipes, pizza toppings, homemade pizza sauce, etc. Some other interesting topics will be frozen pizza dough and where best to attain them, what are the criteria for choosing the, what are the methods for preparing them, etc.
It must be obvious that this article is a mite ambitious for wishing to tackle something entitled "all about pizza." However, an attempt is definitely warranted, so here goes.
Some pizza facts and trivia
Accounts of pizza history always begin with the origin of pizza. This one might as well follow the same tack. We have to thank any civilization or race that baked flat bread on hot stones or stone ovens for pizza, for almost certainly, bread like the focaccia was the "mother of the pizza crust." However, the invention of the pizza is more properly attributed to the Neapolitans - the people of Naples, Italy who were baking and making pizza crust topped with tomatoes, oil, and Italian herbs, and spices. This rudimentary and traditional Italian pizza was common peasant fare in Naples. If you want an individual originator and inventor of pizzas, however, then you won't be wrong if you cite Rafaelle Esposito - a native of Naples; he modified the basic Neapolitan pizza recipe and came up with three variants that added mozzarella cheese to the rudimentary Italian pizza toppings.
Now, if you are looking for some topics for small conversation, then you must remember the following trivia. One note of caution, though; you shouldn't blurt these out just to anybody or you'll sound decidedly corny and geeky. Make sure you're talking to someone interested in pizzas before you use the following trivia as conversational gambits.
It must be obvious that this article is a mite ambitious for wishing to tackle something entitled "all about pizza." However, an attempt is definitely warranted, so here goes.
Some pizza facts and trivia
Accounts of pizza history always begin with the origin of pizza. This one might as well follow the same tack. We have to thank any civilization or race that baked flat bread on hot stones or stone ovens for pizza, for almost certainly, bread like the focaccia was the "mother of the pizza crust." However, the invention of the pizza is more properly attributed to the Neapolitans - the people of Naples, Italy who were baking and making pizza crust topped with tomatoes, oil, and Italian herbs, and spices. This rudimentary and traditional Italian pizza was common peasant fare in Naples. If you want an individual originator and inventor of pizzas, however, then you won't be wrong if you cite Rafaelle Esposito - a native of Naples; he modified the basic Neapolitan pizza recipe and came up with three variants that added mozzarella cheese to the rudimentary Italian pizza toppings.
Now, if you are looking for some topics for small conversation, then you must remember the following trivia. One note of caution, though; you shouldn't blurt these out just to anybody or you'll sound decidedly corny and geeky. Make sure you're talking to someone interested in pizzas before you use the following trivia as conversational gambits.
The Importance of Play
For children, play is naturally enjoyable. And since it is their active engagement in things that interest them, play should be child-led, or at least child-inspired, for it to remain relevant and meaningful to them. Children at play are happily lost in themselves; they are in their own realm of wonder, exploration, and adventure, pulling parents in at times with a frequent “Let’s play, mom!” as an open invitation into that world.
As early as infancy, children immerse themselves in play activities with the purpose of making sense of the world around them. Play gives children the opportunity to learn and experience things themselves, which is vital for their development. Although peek-a-boo games seem pointless to adults, tots are awed by the surprise that awaits them as they see the suddenly emerging faces of people they love.
(Stages of Play)
During toddlerhood, children experience a motor-growth spurt that equips them to solitarily fiddle with anything they can get their hands on – be it a construction toy or the box from where it came.
Toddlers also love breaking into song, wiggling and jiggling to tunes, and imitating finger plays they are commonly exposed to.
Preschoolers begin extending their play to involve others, whether they bring others in at any stage of their game or they plan their game and its players’ way ahead. Their physical and motor skills allow them to widen their lay arena, from dramatic play to table games to outdoor pursuits.
School-age children start appreciating organized play – such as innovated songs and rhymes, games with rules, relays and other physical activities, sports and projects that they can accomplish over a certain time frame.
Play Perks:
Why the big fuss about playing? Play benefits the child in ways that might be a tad difficult for adults to imagine.
1. Play brings pure and utter joy.
A toddler who jumps into an empty box and runs around the house ‘driving a car’ shows the sheer happiness that play brings him or her. When children are asked what they did in school and they answer ‘play,’ it is a clear sign that these kids remember a feeling of genuine joy that is captured in this four-letter word.
As early as infancy, children immerse themselves in play activities with the purpose of making sense of the world around them. Play gives children the opportunity to learn and experience things themselves, which is vital for their development. Although peek-a-boo games seem pointless to adults, tots are awed by the surprise that awaits them as they see the suddenly emerging faces of people they love.
(Stages of Play)
During toddlerhood, children experience a motor-growth spurt that equips them to solitarily fiddle with anything they can get their hands on – be it a construction toy or the box from where it came.
Toddlers also love breaking into song, wiggling and jiggling to tunes, and imitating finger plays they are commonly exposed to.
Preschoolers begin extending their play to involve others, whether they bring others in at any stage of their game or they plan their game and its players’ way ahead. Their physical and motor skills allow them to widen their lay arena, from dramatic play to table games to outdoor pursuits.
School-age children start appreciating organized play – such as innovated songs and rhymes, games with rules, relays and other physical activities, sports and projects that they can accomplish over a certain time frame.
Play Perks:
Why the big fuss about playing? Play benefits the child in ways that might be a tad difficult for adults to imagine.
1. Play brings pure and utter joy.
A toddler who jumps into an empty box and runs around the house ‘driving a car’ shows the sheer happiness that play brings him or her. When children are asked what they did in school and they answer ‘play,’ it is a clear sign that these kids remember a feeling of genuine joy that is captured in this four-letter word.
Can Data Breaches Be Expected From Bankrupt Mortgage Lenders?
The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgage related issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgage related issues do concern information security.
It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mind boggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.
Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.
Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.
Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?
Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.
What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.
Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.
Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.
The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.
Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers.
The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgagerelated issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgagerelated issues do concern information security.
It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mindboggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.
Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.
It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mind boggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.
Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.
Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.
Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?
Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.
What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.
Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.
Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.
The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.
Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers.
The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgagerelated issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgagerelated issues do concern information security.
It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mindboggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.
Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.
How to Successfully Navigate Your Business through an Economic Downturn
An economic downturn is a phase of the business cycle in which the economy as a whole is in decline.This phase basically marks the end of the period of growth in the business cycle. Economic downturns are characterized by decreased levels of consumer purchases (especially of durable goods) and, subsequently, reduced levels of production by businesses.
While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. Resourceful entrepreneurs capture the available opportunities, from an economic downturn, by developing alternate methods of doing business that were never implemented during a prior growth period.
The challenge of successfully navigating your business through an economic downturn lies in the realignment of your business with current economic realities. Specifically, you, as the business owner, need to renew a focus on your core clients/customers, reduce your operating expenses, conserve cash, and manage more proactively, rather than reactively, is paramount.
Here are best practices that will help you to successfully navigate your business through an economic downturn:
Goals:
The primary goal of any business owner is to survive the current economic downturn and to develop a leaner, more cost-effective and more efficient operation. The secondary goal is to grow the business even during this current economic downturn.
Objectives:
• Conserve cash.
• Protect assets.
• Reduce costs.
• Improve efficiencies.
• Grow customer base.
Required Action:
• Do not panic… History shows that economic downturns do not last forever. Remain calm and act in a rational manner as you refocus your attention on resizing your company to the current economic conditions.
• Focus on what YOU can control… Don’t let the media's rhetoric concerning recessions and economic slowdown deter you from achieving business success. It´s a trap! Why? Because the condition of the economy is beyond your control. Surviving economic downturns requires a focus on what you can control, i.e. your relevant business activities.
• Communicate, communicate, and communicate! Beware of the pitfall of trying to do too much on your own. It is a difficult task indeed to survive and to grow your business solely with your own efforts. Solicit ideas and seek the help of other people (your employees, suppliers, lenders, customers, and advisors). Communicate honestly and consistently. Effective two-way communication is the key.
• Negotiate, negotiate, and negotiate! The value of a strong negotiation skill set cannot be overstated. Negotiating better deals and contracts is an absolute must for realigning and resizing your company to the current economic conditions. The key to success is not only knowing how to develop a win-win approach in negotiations with all parties, but also keeping in mind the fact that you want a favorable outcome for yourself too.
Recommended Best Practice Activities:
The Nuts and Bolts… The following list of recommended best practice activities is critical for your business' survival and for its growth during an economic downturn. The actual financial health of your particular business, at the outset of the economic downturn, will dictate the priority and urgency of the implementation of the following best practice activities.
1. Diligently monitor your cash flow: Forecast your cash flow monthly to ensure that expenses and planned expenditures are in line with accounts receivable. Include cash flow statements into your monthly financial reporting. Project cash requirements three-to- six months in advance. The key is to know how to monitor, protect, control, and put cash to work.
2. Carefully convert your inventories: Convert excess, obsolete, and slow-moving inventory items into cash. Consider returning excess and slow-moving items back to the suppliers. Close-out or inventory reduction sales work well to resize your inventory. Also, consider narrowing your product offerings. Well-timed order placement helps to reduce excess inventory levels and occasional material shortages. The key is to reduce the amount of your inventory without losing sales.
3. Timely collection of your accounts receivable: This asset should be converted to cash as quickly as possible. Offer prompt payment discounts to encourage timely payments. Make changes in the terms of sale for slow paying customers (i.e. changing net 30 day terms to COD). Invoicing is an important part of your cash flow management. The first rule of invoicing is to do it as soon as possible after products are shipped and/or after services are delivered. Place an emphasis on reducing billing errors. Most customers delay payments because an invoice had errors, and therefore, will not pay until they receive a corrected copy. Email or fax your invoices to save on mailing time. Post the payments that you have received and make deposits more frequently. The key is to develop an efficient collection system that generates timely payments and one that gives you advance warning of problems.
4. Re-focus your attention on your existing clients/customers: Make customer satisfaction your priority. A regular review of your customers' buying history and frequency of purchases can reveal some interesting facts about your customers' buying habits. Consider signing long-term contracts with your core clients/customers which will add to your security. Offer a discount for upfront cash payments. The key is to do what it takes to keep your current customers loyal.
5. Re-negotiate with your suppliers, lenders, and landlord:
i) Suppliers: Always keep your negotiations on the level of need, saying that your company has reviewed its cost structure and has determined that it needs to lower supplier costs. . Tell the supplier that you value the relationship you have developed, but that you need to receive a cost reduction immediately. Ask your supplier for a lower material price, a longer payment cycle, and the elimination of finance charges. Also, see if you can buy material from them on a consignment basis. In return for their price concessions, be willing to agree to a long-term contract. Explore the idea of bartering as a form of payment.
ii) Lenders: Everything in business finance is negotiable and your relationship with a bank is no exception. The first step to successful renegotiations is to convince your lenders that you can ultimately pay off the renegotiated loan. You must point out to your lenders why it would be in their best interest to agree to a new arrangement. Showing them your business plan and your action plan that includes your cost-savings initiatives, along with "the how" and "the when" of the implementation of your plan is the best way to achieve this goal. Explain to them that you will need their cooperation to insure that you can survive, as well as, grow your business during the economic downturn. Negotiated items include: the rate of interest, the required security to cover the loan, and the beginning date for repayment. A beginning date for repayment could be immediate, within several months or as long as a year. The key is to realize that your lender will work with you, but that frequent and continual communications with them is critical.
iii) Landlord: Meet with your landlord. Explain your need to have them extend the term of your lease at a reduced cost. Make sure you have a clause in the lease agreement that entitles you to have the right to sublet any or all of the leased space.
6. Re-evaluate your staffing requirements: This is a very critical area. Salaries/wages are a major expense of doing business. Therefore, any reduction in the hours worked through work schedule changes, short-term layoffs or permanent layoffs has an immediate cost saving benefit. Most companies ramped up hiring new employees in the good times, only to find that they are currently overstaffed due to slow sales during the economic downturn. In terms of down-sizing your staff, be very careful not to reduce your staff to a level that forces you to skimp on customer service and quality. Consider the use of part-timers or the current trend of outsourcing certain functions to independent contractors.
7. Shop for better insurances rates: Get quotations from other insurance agents for comparable coverage to determine whether or not your present insurance carrier is competitive. Also, consider revising your coverage to reduce premium costs. The key is to have the right balance-to be adequately insured, but not under or over insured.
8. Re-evaluate your advertising: Contrary to the other cost-cutting initiatives, evaluate the possibility of increasing your advertising expenditures. This tactic realizes the advantage of the reduced "noise" and congestion (fewer advertisers) in the marketplace. The downturn period a great opportunity to increase brand awareness and create additional demand for your product/service offerings.
9. Seek the help of outside advisors: The use of an advisory board comprised of your CPA, attorney, and business consultant offers you objectivity and provides you with professional advice and guidance. Their collective experience in working with similar situations in past economic downturns is invaluable.
10. Review your other expenses: Target an across-the-board cost-cutting initiative of 10-15%. Attempt to eliminate unnecessary expenses. Tightening your belt in order to weather the downturn makes practical, financial sense.
Proactively managing your business through an economic downturn is an enormous challenge and is critical for your survival. However, through well-planned initiatives, an economic downturn can create tremendous opportunity for your company to gain greater market share. In order to take advantage of this growth opportunity, you must act quickly to implement the above best business practices to continue realigning and resizing your company to the current economic conditions.
While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. Resourceful entrepreneurs capture the available opportunities, from an economic downturn, by developing alternate methods of doing business that were never implemented during a prior growth period.
The challenge of successfully navigating your business through an economic downturn lies in the realignment of your business with current economic realities. Specifically, you, as the business owner, need to renew a focus on your core clients/customers, reduce your operating expenses, conserve cash, and manage more proactively, rather than reactively, is paramount.
Here are best practices that will help you to successfully navigate your business through an economic downturn:
Goals:
The primary goal of any business owner is to survive the current economic downturn and to develop a leaner, more cost-effective and more efficient operation. The secondary goal is to grow the business even during this current economic downturn.
Objectives:
• Conserve cash.
• Protect assets.
• Reduce costs.
• Improve efficiencies.
• Grow customer base.
Required Action:
• Do not panic… History shows that economic downturns do not last forever. Remain calm and act in a rational manner as you refocus your attention on resizing your company to the current economic conditions.
• Focus on what YOU can control… Don’t let the media's rhetoric concerning recessions and economic slowdown deter you from achieving business success. It´s a trap! Why? Because the condition of the economy is beyond your control. Surviving economic downturns requires a focus on what you can control, i.e. your relevant business activities.
• Communicate, communicate, and communicate! Beware of the pitfall of trying to do too much on your own. It is a difficult task indeed to survive and to grow your business solely with your own efforts. Solicit ideas and seek the help of other people (your employees, suppliers, lenders, customers, and advisors). Communicate honestly and consistently. Effective two-way communication is the key.
• Negotiate, negotiate, and negotiate! The value of a strong negotiation skill set cannot be overstated. Negotiating better deals and contracts is an absolute must for realigning and resizing your company to the current economic conditions. The key to success is not only knowing how to develop a win-win approach in negotiations with all parties, but also keeping in mind the fact that you want a favorable outcome for yourself too.
Recommended Best Practice Activities:
The Nuts and Bolts… The following list of recommended best practice activities is critical for your business' survival and for its growth during an economic downturn. The actual financial health of your particular business, at the outset of the economic downturn, will dictate the priority and urgency of the implementation of the following best practice activities.
1. Diligently monitor your cash flow: Forecast your cash flow monthly to ensure that expenses and planned expenditures are in line with accounts receivable. Include cash flow statements into your monthly financial reporting. Project cash requirements three-to- six months in advance. The key is to know how to monitor, protect, control, and put cash to work.
2. Carefully convert your inventories: Convert excess, obsolete, and slow-moving inventory items into cash. Consider returning excess and slow-moving items back to the suppliers. Close-out or inventory reduction sales work well to resize your inventory. Also, consider narrowing your product offerings. Well-timed order placement helps to reduce excess inventory levels and occasional material shortages. The key is to reduce the amount of your inventory without losing sales.
3. Timely collection of your accounts receivable: This asset should be converted to cash as quickly as possible. Offer prompt payment discounts to encourage timely payments. Make changes in the terms of sale for slow paying customers (i.e. changing net 30 day terms to COD). Invoicing is an important part of your cash flow management. The first rule of invoicing is to do it as soon as possible after products are shipped and/or after services are delivered. Place an emphasis on reducing billing errors. Most customers delay payments because an invoice had errors, and therefore, will not pay until they receive a corrected copy. Email or fax your invoices to save on mailing time. Post the payments that you have received and make deposits more frequently. The key is to develop an efficient collection system that generates timely payments and one that gives you advance warning of problems.
4. Re-focus your attention on your existing clients/customers: Make customer satisfaction your priority. A regular review of your customers' buying history and frequency of purchases can reveal some interesting facts about your customers' buying habits. Consider signing long-term contracts with your core clients/customers which will add to your security. Offer a discount for upfront cash payments. The key is to do what it takes to keep your current customers loyal.
5. Re-negotiate with your suppliers, lenders, and landlord:
i) Suppliers: Always keep your negotiations on the level of need, saying that your company has reviewed its cost structure and has determined that it needs to lower supplier costs. . Tell the supplier that you value the relationship you have developed, but that you need to receive a cost reduction immediately. Ask your supplier for a lower material price, a longer payment cycle, and the elimination of finance charges. Also, see if you can buy material from them on a consignment basis. In return for their price concessions, be willing to agree to a long-term contract. Explore the idea of bartering as a form of payment.
ii) Lenders: Everything in business finance is negotiable and your relationship with a bank is no exception. The first step to successful renegotiations is to convince your lenders that you can ultimately pay off the renegotiated loan. You must point out to your lenders why it would be in their best interest to agree to a new arrangement. Showing them your business plan and your action plan that includes your cost-savings initiatives, along with "the how" and "the when" of the implementation of your plan is the best way to achieve this goal. Explain to them that you will need their cooperation to insure that you can survive, as well as, grow your business during the economic downturn. Negotiated items include: the rate of interest, the required security to cover the loan, and the beginning date for repayment. A beginning date for repayment could be immediate, within several months or as long as a year. The key is to realize that your lender will work with you, but that frequent and continual communications with them is critical.
iii) Landlord: Meet with your landlord. Explain your need to have them extend the term of your lease at a reduced cost. Make sure you have a clause in the lease agreement that entitles you to have the right to sublet any or all of the leased space.
6. Re-evaluate your staffing requirements: This is a very critical area. Salaries/wages are a major expense of doing business. Therefore, any reduction in the hours worked through work schedule changes, short-term layoffs or permanent layoffs has an immediate cost saving benefit. Most companies ramped up hiring new employees in the good times, only to find that they are currently overstaffed due to slow sales during the economic downturn. In terms of down-sizing your staff, be very careful not to reduce your staff to a level that forces you to skimp on customer service and quality. Consider the use of part-timers or the current trend of outsourcing certain functions to independent contractors.
7. Shop for better insurances rates: Get quotations from other insurance agents for comparable coverage to determine whether or not your present insurance carrier is competitive. Also, consider revising your coverage to reduce premium costs. The key is to have the right balance-to be adequately insured, but not under or over insured.
8. Re-evaluate your advertising: Contrary to the other cost-cutting initiatives, evaluate the possibility of increasing your advertising expenditures. This tactic realizes the advantage of the reduced "noise" and congestion (fewer advertisers) in the marketplace. The downturn period a great opportunity to increase brand awareness and create additional demand for your product/service offerings.
9. Seek the help of outside advisors: The use of an advisory board comprised of your CPA, attorney, and business consultant offers you objectivity and provides you with professional advice and guidance. Their collective experience in working with similar situations in past economic downturns is invaluable.
10. Review your other expenses: Target an across-the-board cost-cutting initiative of 10-15%. Attempt to eliminate unnecessary expenses. Tightening your belt in order to weather the downturn makes practical, financial sense.
Proactively managing your business through an economic downturn is an enormous challenge and is critical for your survival. However, through well-planned initiatives, an economic downturn can create tremendous opportunity for your company to gain greater market share. In order to take advantage of this growth opportunity, you must act quickly to implement the above best business practices to continue realigning and resizing your company to the current economic conditions.
Avoid Highway Robbery by Using The New Crude--WATER
HERE'S THE BAD NEWS.
Engines waste gasoline! Up to 80% of the high-priced gas that you pump doesn't get you anywhere because it goes UNBURNED to the catalytic converter. That means you are getting 0 MPG (zero, zilch, nada) from most of the over-priced gasoline you pump into your tank.
WHY DO COMBUSTION ENGINES WASTE SO MUCH GAS?
That's what they are designed to do--WASTE GAS--because every second of every day, everywhere in the world, every single gas and diesel engine on the planet puts money into the deep, deep, DEEP pockets of Big Oil.
Automotive and fuel technology has been deliberately held back, and people have been kept in the dark about AMAZING inventions and discoveries, in order to sell us lots of gasoline. Sorry, but that's how it is.
For example, the gas could be preheated and better formulated for better combustion--but it's not. The fuel vapor droplets could be smaller for efficient combustion--but they're not. The pre-set computer-controlled air-to-fuel ratio could be more economical--but it's not. The exhaust could be reprocessed to contribute to mileage (there are patents on that)--but it's not. Cars could be using a better carburetor design--but they're not because the patent for a 100 MPG carburetor was bought and buried years ago. Cars could be running completely on water fuel--but they're not because those patents were also bought and then buried along with the inventor (however, the patents ran out recently!). Even the hybrids that Big Auto is selling at luxury car prices don't optimize gasoline combustion and consumption.
Engines waste gasoline! Up to 80% of the high-priced gas that you pump doesn't get you anywhere because it goes UNBURNED to the catalytic converter. That means you are getting 0 MPG (zero, zilch, nada) from most of the over-priced gasoline you pump into your tank.
WHY DO COMBUSTION ENGINES WASTE SO MUCH GAS?
That's what they are designed to do--WASTE GAS--because every second of every day, everywhere in the world, every single gas and diesel engine on the planet puts money into the deep, deep, DEEP pockets of Big Oil.
Automotive and fuel technology has been deliberately held back, and people have been kept in the dark about AMAZING inventions and discoveries, in order to sell us lots of gasoline. Sorry, but that's how it is.
For example, the gas could be preheated and better formulated for better combustion--but it's not. The fuel vapor droplets could be smaller for efficient combustion--but they're not. The pre-set computer-controlled air-to-fuel ratio could be more economical--but it's not. The exhaust could be reprocessed to contribute to mileage (there are patents on that)--but it's not. Cars could be using a better carburetor design--but they're not because the patent for a 100 MPG carburetor was bought and buried years ago. Cars could be running completely on water fuel--but they're not because those patents were also bought and then buried along with the inventor (however, the patents ran out recently!). Even the hybrids that Big Auto is selling at luxury car prices don't optimize gasoline combustion and consumption.
Inscription à :
Commentaires (Atom)