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General Article

Have You Had Your Rugs Dusted?

Have You Had Your Rugs Dusted?

A study by Eureka claimed that an oriental rug could hold up to 87lbs of dirt. So when was the last time you cleaned your oriental rugs? I would recommend an annual cleaning for all your fine rugs, more often for rugs in active rooms. Rugs should be cleaned at a cleaners location rather than in the home. Oriental rugs require a certain amount of care that is better accomplished in the cleaners facility rather than in the home.

Proper rug cleaning involves the thorough removal of dry soil first. Rug dusters are one of the best ways to facilitate dry soil removal. A rug is laid face down on top of a metal grate. Then the backing is gently agitated so the dry soil can drop down onto the floor below the metal grate, away from the rug. Then a thorough vacuuming of both sides of the rug should occur.

All rugs cannot be cleaned the same way. The rugs need to be evaluated individually for many things including color fastness. Some rugs can bleed if over wet. Tests can be run on rugs before the cleaning. These tests can help determine the color fastness of the rug. Fringes need to be worked on by hand. Fringes may require additional care after the cleaning has been completed and the rug has dried. An area with controlled drying with proper dehumidification is preferable.

Proper cleaning includes rinsing. Some companies advertise dry cleaning. How can a rug be rinsed with a dry method? Would you want your clothes laundered or dry cleaned after you had gone to the gym and worked out in them? Or might you want your clothes rinsed first before wearing them again at the gym. You have spent the last year walking on your rug, maybe two, could it be 3 years, or more? You need a cleaning with a healthy rinse. Wool can be rinsed. Remember sheep are allowed to be outside in the rain.

The post inspection of the rug after cleaning is critical. A finishing procedure to soften the rug can make all the difference in how a rug feels to the hand. Before you hire someone to clean your fine, expensive oriental rugs, ask a few questions. How long the company has been in business. How often do they clean oriental rugs, every once in a while or on a weekly basis. Hire an experienced company to clean your oriental rugs.…

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General Article

Investing For Small Business

Investing For Small Business

Whether a sole-proprietorship, partnership, or a limited liability corporation, all small business owners know that they are already investors in their own business. With so much involved in the day-to-day operations of running a business, many small business owners place investing in the back of their minds. However, this can be a dangerous way to operate. After all, when you’re the boss, you’re also in charge of your own retirement plan and in finding ways to reinvest in the company without damaging the capital you’ve already built.

Here are a few key tips in small business investing:

– Your business is part of your portfolio. When deciding on an investment strategy for your small business, do not neglect to consider your business as a part of your investment portfolio, since you may be able to tap into some of your existing equity or value in order to make new gains.

– Tone down the entrepreneur. When considering your investment strategy for your small business, consider risk. While the entrepreneurial spirit can make a person a successful business owner, it may also make them a horrible investor by encouraging them to take on too much risk. Slow down and understand when and where to be aggressive in your investments.

– Strategize for capital preservation. While your personal portfolio may be built around simple growth, your small business investment portfolio should strategize for capital accumulation and preservation. That way, when lean economic times come, your small business can lean on its portfolio to help generate income.

– Diversify outside your business. Small business owners may want to invest in their industry; after all, it is the industry they know best. But try to avoid putting all of your investments in one industry. If the industry falls on hard times, your business and your portfolio will both take a beating.

– Allocate your assets. It may be tempting to put all of your money in one place, but you need to properly allocate your assets to make them work for you. Stocks can make you a lot of money in the long term but can be risky short term; bonds are less volatile than stocks but also have a lesser yield, and cash in the form of savings and money market accounts do not earn much in comparison. Talk to a financial planner about properly allocating your assets to make your money work best for you and your goals.

This last step, talking to a financial planner, is probably one of the most important you can make. When making decisions on how to build your small business investment portfolio, consult someone who is as good as his or her job as you are at yours. Your financial planner can look at your business, manage risk, and help you to define goals that make sense for your business. Talking to a financial planner will ensure that you create an investment portfolio that makes good financial sense now and for the future.…

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Income

How a Virtual Assistant Can Help When Starting an Online Business

When it comes to starting an online business there is a lot of work that needs to be done and most importantly, done right. This is where a virtual assistant can help grow your business and possibly make the difference between success and failure.
As a business owner it is paramount that you deliver value to your customers. But first you have to get in front of your customers in order for them to find the value you are offering. Typically most business owners do not have enough time to do all that is necessary to be successful online.A� Therefore a good business owner will delegate the work load they either don’t like doing or are not qualified as others to do. This is where the virtual assistant comes in handy.
These are some of the tasks most often delegated to virtual assistants:
Website design, development and search engine optimization (SEO). A qualified assistant should know how to find keywords using keyword tools and test the results of the keyword phrase.A� They can place these keywords in your headlines, content and linking structure to optimize search results for your online business.
Another task an assistant can accomplish for your business is creating relevant content on a continual basis. They can create content in the form of articles, videos and sales ads all with maximum SEO exposure. It is vital for an online business to continually add new and relevant content as it relates to their business in order to maintain a high ranking with search engines.
Today social networking sites are a great way to get the word out and get back links to your website. Most virtual assistants will take care of this busy work for you by submitting posts to multiple social sites by using the latest online business software daily.
These are just a few of the important tasks a virtual assistant can accomplish for those starting an online business. I highly recommend taking advantage of the services available when you the business owner haven’t the time or expertise, and focus more of your time on creating value for your customer.
When it comes to making an income online as with any business, how you market your business is usually more important than what you are marketing. Therefore how you market your online business will most likely determine your success. For those interested in learning more about online marketing strategies we have a large amount of free information on our website and we welcome your comments.
Thomas McCormick…

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General Article

Cheap Car Insurance For Young Drivers – How to Find Out If You Have the Lowest Rate in Ten Minutes

Cheap Car Insurance For Young Drivers – How to Find Out If You Have the Lowest Rate in Ten Minutes

When trying to secure cheap car insurance for young drivers, the very worst thing you can do is to sign up for the first insurance quote that you get. Sure, there’s a possibility that you could have found the best policy for yourself on the first try. But it’s much more likely that there is another auto insurance company out there than can provide you with identical coverage, but at a significantly reduce price. The best (and fastest) way to make sure that you have the most affordable rate is by using the internet.

As with most things that the web touches, the internet speeds up the time it takes to both research and secure inexpensive auto insurance. In fact, if you have ten minutes to spare, you could be looking at 5-12 different insurance quotes tailored specifically for you and your circumstances. The more choices you have, the better the chance you will have of finding cheap car insurance for young drivers.

Just go to your favorite search engine and type in the words “get cheap auto insurance quotes”, and you will be provided with a list of websites that can allow you to check multiple insurance companies simultaneously (no need to go to each insurance website individually). Just input all of the key information regarding you, your driving experience, and the vehicle you are looking to insure, and hit the “submit” button. Within about ten minutes, you’ll have a small list of insurance quotes offering the same coverage, but at different rates.

Why the different rates? Well, each insuring company uses their own criteria to determine how “risky” a driver is. Some place more weight on driving experience. Others on the safety features of the car or the amount of driving that the car will be driven on a weekly basis. And so on.

Once you have your insurance quotes, look them over and decide which one makes the most financial sense to you. Usually this is the policy with the lowest premium cost, but some companies will offer additional savings if you pay a lump sum or can provide documentation that you are a safe driver or maintain good grades at school.

Once you have found the best policy for you, switching over to this new insurance company is a snap. Just a few clicks of your mouse (they already have most of your information), and you will be ready to print out your new insurance papers.

Finding cheap car insurance for young drivers doesn’t have to be a chore if you have internet access. In about ten minutes time, you can be sitting in front of a screen full of competitive car insurance quotes.…

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Business Plan

Love and Money – How to Be a Team Player When It Comes To Money for Married Female Entrepreneurs

When we talk about money with our spouses one of the biggest challenges that often comes up is that we feel like every time we have a money conversation that we have to suit up and prepare to go out to battle. If we’re women entrepreneurs, we feel like our spouse doesn’t understand the importance of reinvesting money in our businesses. If we have different spending behaviors or money management styles than our spouses this can become a major source of conflict and tension.
It’s easy to forget in these moments of conflict that we are actually on the same team. Instead we find ourselves indulging in the “All About Me Syndrome” and we forget that the person we are going to war with is our spouse – the person that we loved and adored so much that we chose to enter into the commitment of marriage.
So the question becomes how can you and your husband begin to work as an inspired financial teamA� together? Especially when you’re in the middle of an argument and remembering that you’re on the same team is the very last thing that you feel inspired to remember in the moment.
When my husband and I first got married, we talked about creating a vision for our marriage and our financial lives. We came up with an inspiration to be a “World Class Winning Team.” I remember shortly after we created our vision we found ourselves having an argument. In a brief moment of clarity I asked myself internally, “How would a wife who was being a real team player handle this situation with her husband?”
Immediately the answer came to me, “She would listen without judgment or blame and she would completely hear her partner’s position and share her thoughts lovingly and calmly.” I was able to immediately integrate my inspiration. I chose to listen to my husband in the moment instead of stubbornly resisting what he had to say.
And then a surprising thing occurred, because I showed up in an open and receptive way, my husband’s defensiveness completely dropped and we ended up having a very connecting and productive financial conversation.
How can you become more of a team player with your spouse? Begin to explore where you consistently become defensive in your money conversations. Ask yourself “Where have I been engaging in money conversations as if ‘it’s all about me?'” This will support you in taking the first steps to becoming more of team player when it comes to having peacefully and productive money conversations with your spouse.…

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Business Owner

How to Avoid Five Financial Mistakes Entrepreneurs Make

Business startups are all about the bottom line — profitability is the standard by which success is measured. For many first-time entrepreneurs, “profitability” is an elusive concept. At its base, it makes perfect sense — bring in more cash than you spend, and the business will be profitable. At its core, however, there are numerous factors that keep a viable idea from ever actually turning a profit. One of the most common problems in business startups boils down to poor financial management. The fundamental mistakes that entrepreneurs make can be easily rectified with just a little effort and attention to accounting processes.
The most common financial mistakes made when starting, and how to avoid them, are:
Lack of fundamental accounting knowledge
Entrepreneurship requires a strong basis in basic business essentials, and standard accounting skills in particular. Simply purchasing an off-the-shelf accounting system is not enough — the tool is only as useful as its user. From correctly categorizing expenses to ensuring debits and credits are balanced, knowing how accounting systems work, and why they work, is not only a good idea, it is an absolute necessity.
Failure to develop accounting procedures
Every financial transaction in a business should follow a consistent, written, formalized procedure from decision-making to recording. That is, every income and expense should follow the same path from approval to data entry into the accounting software. Without standard procedures, transactions get lost, decision-making becomes inconsistent, and the numbers never seem to quite work out. Everyone involved with the company’s accounting system need to be handling transactions in the same manner, and those procedures need to reflect an understanding of financial controls.
Inaccurate data entry
Along with developing standard accounting procedures, it is essential to include steps that verify the accuracy of the data entered into the system. This may seem obvious, but every struggling business we have encountered had serious data entry errors in the books. A small error — an extra digit, transposing numbers (2521 instead of 5221) — can wreak absolute havoc in a fairly short amount of time. Establishing at least one double-check procedure can eliminate the majority of these mistakes.
Failure to review and analyze
One of the great features of every available piece of accounting software is a set of easy-to-create financial statements. Unfortunately, many entrepreneurs are number-phobic and do not take the time to learn how to use these crucial tools for financial management. A simple, consistent review of the numbers and running a few basic financial ratios can be extremely revealing, both in terms of potential problems and identifying exploitable opportunities. Business owners do not have the luxury of being “not-a-numbers-person” — business is all about the numbers, thus it is essential to use the available tools to keep control over your venture.
Failure to budget
It is nearly impossible to launch a successful startup without a well-researched budget, and even more difficult to survive without planning out the business’s financial future. No budget generally indicates no planning, and tends to result in throwing good money after bad, especially during lean times in the venture. Setting a budget allows a business to maintain focus on a well-developed strategy while ensuring the cash flow is sufficient to keep the business alive and growing.
It is a common but inadvisable error for first-time entrepreneurs to underestimate the importance of solid financial management. Simply ballparking expenses and taking a see-what-happens attitude with the cash flow are quick paths to failure. Doing your homework and mastering the fundamentals of accounting are not just a good idea, they are the only way to build a viable business idea into a thriving company.…

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Business Checks

Three Steps to Financial Independence

Taking adequate steps to financial independence should be everybody’s priority but unfortunately, some people live as if they don’t agree with this opinion. Knowledge is the greatest asset anyone can acquire. I have this opinion because it would amount to nil if all you still think of in this age is to get millions before you can start a simple home-based business.
We are aware of the fact that before the advent of the internet, you have to have some substantial capital before you can set up any type of business. Even when you decide to merchandise goods that were produced by others, lots of cash and capital resources are also needed to be able to break even.
Many did these things years ago and succeeded and some are still doing it but if you don’t have the capital, you stand better chances to make money today than it were ten years back.
One of the steps to financial independence is to align with the opportunities that the internet provide and kick-start your dream from there. You can easily leverage on other people’ s product as well through the internet and be in business in less than an hour if you know how to go about it.
All these are as results of having the unique knowledge and being able to implement them. If you have made up your mind to take your internet business serious and get the best from it, there are things you should look into right away and start making good inroads with your efforts.
The number thing you should do is to ascertain if the business model you are considering has a ready market. It isn’t enough to have the best ideas without sorting out the issues of demand and supply. I want to emphasize that the internet world has the same demand and supply elements that exists in any other brick and mortar businesses.
You have to check the number of hits such product theme receives at certain given time to know if it will be worth your time in the long run. Nothing can be more frustrating than jumping into any business, be it online or offline, only to discover that there isn’t any interest in the enterprise.
You can visit a free to check the subject matter of the kind of business you want to engage in online. It will be a good starting point to know the viability of such venture.
The steps to financial independence through internet based business wouldn’t be complete if you don’t have an eBook for marketing. Assuming you are involving in information niche.
You have to make the information available in easy to download book formats and have website where your customers can easily logon and get the eBook without your personal involvement. Ensure that you have a medium to collect payment from your customers such as PayPal.
This will enable anyone that gets to your website to easily pay and download the information he or she wants immediately without the need for any shipment or further exchange of mails.…