Archive for July, 2009

Home Ownership Made Simple Using Vendor Finance

Tuesday, July 28th, 2009

Giving your customer with a trouble-free way to finance your property can add a whole new dimension to your sales process.

Customer retention and increasing income opportunities are supreme to any occupation in today’s competitive marketplace. Vendor Finance will not only give you a vital edge over your rivals, but can also produce valuable extra income.

Funding is inherent to the majority of asset expenditure. By using Vendor Finance, your customers are offered not only with your services, but also the finance with which to complete the purchase. As you now handle all aspects of the transaction, the bond between your client and yourself will be greatly increased.

If the customer has to source finance elsewhere, the sale could be delayed and may allow a competitor to step in. There are many reasons, why your customer delays or fails to complete the purchase.

It may be that they want to spread the cost of the asset over its useful life, or maybe they do not have the capacity for capital spending inside their budgets, or maybe they do not want to tie up vital cash reserves.

Vendor Finance packages can be tailored made to suit your business sector and your typical customer profile. We provide a full range of innovative and flexible finance facilities, along with all the tools and support you need to make quoting and administration as simple as possible. You can then concentrate on selling your products.

In simple terms, you can enjoy raised sales and better client retention without the need to take any credit rating risk. Vendor financing puts you back in control of your property sale by making it easy for your client to purchase from you.

Trading Forex Online

Monthly Wall Calendars

Tuesday, July 28th, 2009

Calendars function as part of an overall timekeeping system where time of day and date together mark a specific moment in time. In today’s modern world, the written calendar is no longer essential as part of these systems, as the invention of highly accurate clocks have made it possible to record time independent of astronomical events.

The normal purpose of calendars is for the identification of days so we can be informed about future events and to keep a record of when that event took place. The significance of days may be tied to civil, social or religious reasons. Calendars provide ways of determining which days are to be religious or civil holidays, which days mark the start and end of accounting periods for busineses, and which of the days will have significance of a legal nature, such as what day taxes are due or when a contract will expire. Calendars also give us other information such as when each season starts and ends.

The international standard for calendars is the Gregorian Calendar, which is in use today almost everywhere around the world.

People use calendars in order to manage their activities and time and their personal schedules, especially when they have multiple school, family and work commitments. Some people may use multiple systems, and may make use of a family calendar and a business calendar in order to prevent them from overcommitting their precious time.

Calendars are often a physical device such as cardboard and paper. These can be wall calendars or desktop calendars. Paper calendars have one or two sheets that can show single days, weeks, months, or an entire year. Sheets for a single days easily show both the date and the weekday. Sheets for multiple days show tables in order to make the conversion from weekday to date and back. By crossing out days past, it can show you the current date and weekday.

Wall calendars are calendars designed to be hung on a wall. Wall calendars normally consist of a group of 12 images (one for each month) on a particular subject. These can include car calendars, dog calendars, movie calendars etc. The size of wall calendars differ; 12 inches by 12 inches with the calendar closed being the regular size in the USA and Canada.

How to Prevent Stretch Marks

Tuesday, July 28th, 2009

The thought of developing stretch marks can get to anyone. Most people affiliate them with maternity, but they are also induced by weightlifting, weight gain and sometimes puberty, anything that can cause the epidermis to stretch beyond its natural range of flexibility.

If you already have them you are plausibly looking for a means to reduce the appearance of stretch marks. While removing them altogether is tough unless you undergo surgery, it is possible to shrink the look of them.

There are a variety of skin treatments that can help reduce the appearance, for instance micro dermabrasion or laser therapy. There are more invasive surgeries like a abdominoplasty, which is a bit more common after losing weight or giving birth. However there are less aggressive treatments too, the most common of which is using a good stretch mark cream. The main thing to remember when applying a stretch mark cream is that it needs to be used every single day for a period of time for it to reduce their appearance.

Stretch marks may be especially challenging during pregnancy because so many changes are already happing with the body. Gaining weight itself can be tough for some women and there is of course the stress of losing that pregnancy weight rapidly after the pregnancy as well. But it is necessary to gain the appropriate amount of weight to have a healthy baby. Not gaining enough weight can cause the baby to be born early or to be born underweight. But gaining too much weight can create other health problems like high blood pressure, vericose veins and backaches. It can also create a greater probability of getting stretch marks, and creating more difficulty losing the excess weight after the baby is born.

If you are afraid of developing stretch marks, whether during pregnancy or before starting a weightlifting regimen, your best defense is prevention. It’s best to take precautions and use a healing cream to prevent stretch marks. Keeping them from forming is more effective than trying to remove them after they have already developed.

DISCLAIMER: I hope this helps, but please note that I am not a doctor so you must consult with a medical doctor before taking any medical suggestions from the World Wide Web.

Working From Home

Monday, July 27th, 2009

An Introduction to Working from Home

Ask anyone to describe their ideal job and working from home would come high on their wish list. Whether home working is an option provided by your employer or a decision you have taken yourself in starting your own business, the thought of just getting out of bed, walk over to a workstation and just start work is very appealing. No commuting to and from the office and working hours to suit yourself.

But is home or flexible working right for you as an individual, or good for your business as an employer? Well there are many advantages and disadvantages. Home or flexible working brings new responsibilities for both the employer and employee. Equally with advances in mobile technology it has never been easier to set up your own business to work from home.

An Increasing Trend

From a business point of view, allowing staff to work at home on either a full or part-time basis can bring a range of business benefits, from increased productivity, greater staff motivation to effective use of your premises. Advancements in mobile technology has contributed enormously to the increase in opportunities for working from home.

The spread of home working using the internet or telephone opens up a new range of possibilities with regards to the way a business works and structures itself. Computers, mobile phones, broadband and mobile broadband all play a role. For the individual, becoming self employed and working from home has also never been easier. If you have a laptop and mobile phone the opportunity is there, it’s just deciding what you want to do. So home working is becoming a way of life for many individuals and businesses, but what is home working?

Some employers will offer selected employees the opportunity to become a teleworker, whereby an employee can undertake their role from home utilising various types of technology, which is provided at the employees home by the employer. The employee will remain in touch with the business and other teleworkers. Some businesses, for example the utility companies who require gas, electric and meter readers, will class employees undertaking this type of work as teleworkers or outworkers.

Some individuals opt for the self-employed work life. The self-employed will operate their business from home, offering a product or service such as web development or business consultancy from home. In these types of roles, the individual can often plan their day to suit their own needs. I know one web developer who often works well into the early hours of the morning as this is when he feels most productive.

Others such as a painter and decorator, plumber or gardener, whilst providing their services away from the home, use home as the office for paperwork such as pricing future jobs and preparing invoices. I know of several painters and decorators who work Monday to Thursday, but use Friday’s to go out and price up future potential work. That is one thing to bear in mind when setting up as self employed, you need to allow time to find or prospect for future work.

Some types of work are more suitable for flexible working than others, the following list is not exhaustive, but will give some guidance:

  • Telesales and Marketing
  • Customer Services
  • Professional services & consultancy i.e. HR Administration & Accountancy
  • Certain types of administration work
  • Data input
  • Creative/Graphics
  • Writing, editing, translation and research.
  • I.T. Support & Programming

Many of the above have a common theme and that is that as long as you have access to a computer and a phone, you can undertake almost all of these tasks from home.

The shift towards flexible working does not mean employees only work from home. Splitting time between the workplace and home is the most productive solution, as you want employees to attend meetings, therefore keeping them informed and involved. Continued face to face interaction within the business remains a key requirement.

With the introduction of home working regulations, employers now have to seriously consider employee requests to work flexibly from home, especially if they have parental responsibility for children under 16 years old, disabled children or they are carers for other adults with disabilities.

Employers and individuals also need to consider what equipment will be required to ensure that an efficient business operation and working environment is set up.

Varied office furniture styles are available to suit any home working environment.

The Pros and Cons

So what are the advantages and disadvantages of an employer allowing employees to work from home or use their home as a base for at least part of the working week? It’s clear there are a number of benefits to the employer:

  • Staff Retention is increased
  • Wider pool of applicants to recruit from e.g. disabled people who prefer to work from home.
  • Productivity gains through having fewer interruptions and less commuting time.
  • Reduced stress and sickness increasing staff motivation.
  • Savings on office space and facilities.
  • Sales staff closer to clients, rather than being based at the office which could be miles away.
  • As with life if there are advantages then there are also disadvantages to home/flexible working:
  • Management of staff and monitoring performance
  • Possible deterioration of key skills and quality of work.
  • Capital costs – training and providing suitable equipment, this could include adaptations to meet Health & Safety standards or meet the needs of disabled workers.
  • Difficulties maintaining staff development and upgrading of skills.
  • Information security risks
  • Increased telecommunication and I.T. costs
  • Sense of isolation and communication problems amongst home workers.
  • Staff morale and difficulties in maintaining team spirit.
  • Home working may not be suitable for certain types of jobs.

One thing I particularly miss is the Monday morning office banter about what you did at the weekend of how your football team has fared compared to others. Often the camaraderie that is unique to an office where you get to know people well over many years is also lost where home working becomes an option.

Are You Suited o Working at Home?

Having identified the types of work that is suitable for home working, the employer must satisfy themselves that employees are suited to this type of work. It’s likely they will need a number of skills in key areas to allow them to work away from base.

  • Time management and self discipline
  • Motivation
  • Communication
  • Technology

We must make it clear that flexible working is not suitable for everyone and care should be taken, because allowing one person to work from home will set a precedent that others will want to follow. Others will see an attraction to working at home particularly on a lovely summer’s day, rather than being stuck in an office. I must confess that as I write this article, I am sitting in our summer house at the bottom of the garden with the laptop on a glorious summer’s day in June.

An employer you must have a clear idea of how home/flexible working could fit in with the needs of the business. A set of house rules need to be established and maintained, i.e. priority is given to requests from parents of young or disabled children. My wife for example, plans her day around the hours of taking the children to school and collecting them later. She maintains that she is extremely focused on what she needs to achieve within those six hours in between. No distractions or idle chit-chat that will occur in an office environment.

In some cases the employer is legally obliged to seriously consider requests for home/flexible workers. Employee with parental responsibility for children aged 16 or under, or disabled children who are under 18 and receive disability living allowances can request a range of flexible working patterns from their employers, this includes the right to work from home. There are similar rights for employees who are carers of adults.

The introduction of home working can also lead to an changes to employment contract terms and conditions. In a majority of cases an employee’s place of work is listed in the written schedules of their employment contract. It’s important that when an employee starts to work from home it may be necessary to review and amend their employment contract.

The following is a list of contractual aspects an employer should consider when implementing a home/flexible work policy:

  • Stated hours of work
  • Identify core times when employees undertake to work and/or are contactable.
  • Extra duties or responsibilities that may need to be assigned in addition to those already agreed
  • Identify the terms regarding the supply and insurance of any equipment that may be required, these should clearly state ownership and use, especially that its not to be used for personal use.
  • Clearly identify what the employer will reimburse to cover additional expenses the employee may incur, its especially important to identify the calculation method when costs are shared i.e. utility bills and telecommunications
  • Procedures to be put in place if either the employee or employer wishes to terminate the home/flexible working arrangement.

Allowing flexible working the employer should remember that they still have health and safety responsibilities for people who work at or from home; and you are likely to have to provide and maintain equipment for employees to use, these include:

  • Workstation complete with suitable task chair
  • Filing cabinet, shelves or storage
  • PC/Laptop with office software, email and broadband internet connection
  • Dedicated business telephone line
  • Printer & fax machine
  • Stationery and Office Supplies

The employer should offer the employee advice on desk chairs to ensure the correct choice of chair for use at the employees home working environment.

IT equipment and software can be expensive so it’s important to ensure it meets your genuine business need and is compatible with your existing systems. Technology changes almost daily and with today’s advances the establishment of virtual teams where employees work together despite working at home can be set up easily and at reasonable expense. These teams could be two employees talking over the phone or you could use more hi-tech solutions like high speed internet, instant messaging, webinar and video conferencing.

Providing all this kit and equipment it is important to ensure your business insurance cover is extended to cover home workers, as their home insurance is unlikely to cover this, however they should check with their insurer and extend their policy to cover working from home.It is also a good idea to find out who would be responsible for a claim should you have an accident at home, during working hours.

Workers who adopt home working should check with their local council and mortgage company the position regarding using their home as a work base, and whether they may have to pay business rates for the portion of their home they use as an office. Some self employed businesses will involve use of a vehicle which will need to be parked up at certain times of the day. For example painters and decorators and builders are likely to utilise a transit van or pick up truck in the work. You should therefore ensure that neighbours will not be offended by having the vehicle parked in the street or to block light out of their homes. If you are to park a vehicle at home, let the neighbours know, it may save a lot of hassle later.

The employer needs to ensure that employees take care of business equipment and information in their possession, it’s important to establish procedures to be followed if any item is damaged or lost, especially data and intellectual rights.

We all agree that home working offers a wide range of benefits to both the business and employees, but it needs to be carefully managed to be successful. Procedures should be put in place for managers to monitor and assess home workers, this is the most significant managerial challenge an employer will face. It can be helpful to measure their effectiveness in terms of output rather than the hours of work. Agree set goals and deadlines for particular tasks, and ensure these are being met, give feedback promptly and sensitively if things go wrong.

Ensuring home workers have access to training can prepare and help employees develop the necessary skills they need.For staff who work alone a sense of isolation is one of the main factors most likely to make home working fail, therefore it’s important to ensure procedures are put into place to make people feel part of the team, these should include:

  • Frequent 2-way feedback sessions about work and work related issues
  • Regular visits to the workplace
  • Inclusion in social activities for home based workers.
  • Clear procedures to be followed and contact lists for when things go wrong.

When the employees job is entirely home-based from the start, make sure their induction is undertaken at your premises, this helps the home worker focus and be productive if they have a chance to establish a clear idea of the people they will be working for.

One way to buy office chair and desk systems to match is online, which I found very easy.

A Brief Health & Safety Obligations Check List for Home Workers

If you use your home as your business workplace, you must carry out a health and safety risk assessment to identify any possible hazards to yourself, workers, visitors and other members of your household.

Possible hazards include:

  • Using work equipment at home, including electrical appliances
  • Your workstation set-up
  • Handling loads
  • Hazardous substances and materials
  • Psychological hazards, such as stress or loneliness
  • Fire
  • Slips, trips and falls
  • Excessive noise or vibration

Slips, trips and falls are one of the most common causes of injury in the work place. Even something we take for granted on a daily basis, such as walking up and down the stairs, should be regarded as a hazard. Evaluate whether a hazard is significant and if it is, whether you have taken enough precautions to make the risk as low as you reasonably can.

You need to consider:

  • Your home and those who live there – including vulnerable persons, e.g. children, the elderly, and new and expectant mothers
  • The work done in your home
  • The equipment in your home
  • Emergency procedures
  • First aid provision

Five steps to a health and safety risk assessment

  1. Identify any hazards.
  2. Decide who might be harmed and how.
  3. Assess the risks and remove them or, otherwise, reduce them as far as is reasonably possible.
  4. Record your findings.
  5. Check the risks regularly and take further steps if needed.

Conclusion

With advancements in mobile technology, working at home has become far easier to do. It can offer a very balanced way of life and the rewards can be significant. In the current economic climate, many who have been unfortunate to suffer redundancy or reduced hours are considering setting up their own business to work at home. Having worked in the corporate world for over twenty years and just suffered redundancy, it is certainly something to consider.

But working from home needs to be considered carefully. Is it right for you? Is it right for your employer? What impact will it have on your homelife? Many advantages, but also many disadvantages and bear in mind the health and safety requirements and risks. Your health is important so choosing the correct office furniture to meet your needs is a must for any home worker to ensure you have the proper facilities for home working.

For years a friend of mine worked from home with his desk in his living room and eventually he realised that he could never get away from work, which is as important as doing the work in the first place because we all need time away from work.

If you are lucky enough to really love your work the temptation can be to do it all day long. Eventually this can lead to burn out and can also take away some of the pleasure of working, even if it is something you really love. Therefore it is important to have balance in your life, even more so when you work from home. Some suggestions to help to achieve this are to make sure that when you have lunch, for example, remove yourself from the work space and don’t eat at your desk, get some separation from the work when you are not doing it.

Remember that just because you work from home it doesn’t mean that work has to take over your life.

The Best Free Online Tax Preparation Software for 2009, 2010

Sunday, July 26th, 2009

It’s tax time again and most of us want the best tax preparation software there is. If you’re like me, you want your experience to be easy and in plain English you can understand. I’ve done a lot of searching and believe me, Turbo Tax is the best free online tax preparation software on the market.

Easy Questions in Plain English

No complicated tax jargon language with this software. After you give the form your initial information, it will put your data on the right business tax forms for you. I personally don’t like to worry about using the wrong forms or putting information in the wrong box.

Largest Business Deduction Possible

When it comes to deductions there are so many things you can claim but, may not realize you’re eligible to claim that particular item. Vehicle expenses can add up to a pretty large tax deduction and you will want to know if it’s better to claim the standard mileage rate or the actual expenses. The online software will run the numbers for you and let you know which way benefits you the most. What about supplies, large purchases, advertising, travel and other expenses? You let the software guide you and it will get you the largest business deductions you can have.

Support and Guidance Right by Your Side

If you should have any confusion or questions, help is right by your side. As with most websites today a frequently asked questions page is available. Turbo Tax goes way beyond that though. They have very easy to follow tips and how- to’s. If that’s not enough, they even have videos, articles, government instructions and, IRS publications. If that’s not enough, they have 24/7 support at your disposal, such as, free technical support, tax experts via e-mail, phone or live chat. In addition to all of that, they have Live Tax Advice which is advice from highly qualified tax professionals.

Reduces Audit Risks

I don’t want my human error mistakes to cause an audit. The tax preparation software will accurately calculate your taxes and it’s guaranteed. Your tax return will be given a double check for errors and completeness. This gives you a chance to fix any mistakes before the IRS flags them. TurboTax Online will make your life so much easier. Let them take the hassle, worry and apprehension out of preparing your income tax return yourself. They really are the best free online tax preparation software company available for our benefit. Give them a try today.