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1:44 AM

What Is Reference Check ?

Posted by Zulkarnai Harun Ar Rashid |




A reference check is a significant part of the pre-employment screening process, and serves the primary purpose of verifying the details you have provided to an employer in a job application. These details are usually on your resume, but you may also have been required to list them on an application form....

The secondary purpose for a reference check is for a prospective employer to check on your job performance - ensuring that you performed the duties you claim and that you performed them to a high level. Employers will likely want to discuss the claims you have made with you in an interview and, should they be satisfied, then call upon the references you have provided them to verify everything you have said.

Usually you will be required to provide three references to enable a company to perform a reference check - including both personal and professional references. This allows them to gain an understanding of your prior job performance from three different perspectives as well as a better awareness of your personality and attitude. For this reason it is important that you provide a potential employer with valid references who will be able to verify you as an individual as well as you as an employee.

When it comes to reference checks, the majority of companies will no longer provide other employers with much more information than dates of employment and job responsibilities that were performed, which is why it is important that the personal reference(s) you have listed have a solid knowledge of you as an individual. If none of the references can verify more than employment details, the potential employer will not gain any beneficial knowledge on what they can expect from you in regards to your personality, work ethic or attitude around the workplace.

Final considerations for a reference check would be to make sure you inform your references that you are going to be using them as such. Ensure that it doesn't come as a surprise to them when they receive the phone call from the prospective employer, and be sure to thank them for helping you in your job search.

1:46 AM

Linking Pay To Performance: Cascading Goal

Posted by Zulkarnai Harun Ar Rashid |

Ask any competitive sports’ coach to identify the primary team goal before any given season and he or she would certainly respond with something along the lines of, “to win championships”. The individual tasks of all members of the organization, both big and small, revolve and the realization of this one, all-important goal......

Most businesses operate according to the same basic principle; yet championships instead manifest in the form of augmenting profit margins. Now, in the ever-exasperating world of budget management, it is sometimes difficult to link pay to performance, for how can one determine a specific individual’s impact on the overall budget, and therefore his or her proportional cut of the pie? 

Think of cascading goals like a pyramid: at the top is the single, dominating objective, supported by decreasing layers of goals, that although increasingly-vary as one approaches the bottom, are all connected to the original objective. The top is narrow and controlled by few, while the bottom layers are comprised of the rest of the bunch. Although the direction of the various enterprises is limited to a select group, without the support and aid of its bottom levels, any pyramid is destined to collapse. For this reason, as in sports, the whole success of a business is the sum of each and every one of its parts. This system is more than worth its weight in gold for alleviating some of the stress of budget management. 

‘Cascading goals’ tie an individual’s pay to his or her control over the primary objective. For example, top executives of a company, whose jobs include activities like spearheading marketing campaigns or making big financial decisions, make the most money. In working towards the company’s ultimate goal of garnering greater profits, these individuals make the big decisions and are therefore allotted the greatest percentage of the budget. Along the same lines, managers who might control hiring in a specific region are given a less, yet proportional sum and other employees under them a still less, but still comparable amount. 

For the new employee, working hard hours throughout the long days, the ‘cascading goals’ system should not be seen as an obstacle, but rather as a window of opportunity. Sustained outstanding work etiquette gives way to promotions, which assign the employee with more and more responsibility – and added compensation as his or her professional goals inevitably draw greater connections to those in the top tier of the pyramid. 

There is an added morale benefit to paying for performance. When an employee feels like the work he or she is doing is menial, there is just less excitement in the job. The motivation and desire to take pride in one’s work really aren’t there. However, employees who believe that their work is crucial to the advancement of the business as a whole will almost invariably work to the best of their abilities. 

The ability to peer up the steep slope towards the pinnacle of the pyramid gives them perpetual incentive for the future. 

While an HRMS is not designed specifically to perform the full cascading goal process, however it can be used to track basic HR performance and therefore ultimately affect the HR & Payroll combination of events.

1:05 AM

Too Many Good Ideas, Not Enough Resources

Posted by Zulkarnai Harun Ar Rashid |

                                         Image result for good idea pic

I think one of the biggest challenges facing business leaders today is sifting through all the potential projects that cross their desks and deciding which initiatives are worth pursuing and which aren't. 

Recently, I got a wild hair and decided I wanted to build a boat. I've searched the Internet for the last several weeks looking for the right "project." I found a builder in Maine who's website convinced me that I wanted to buy the plans to build one of his boats. I measured my garage to see how much space I had to work with and narrowed my choice down to two styles.....

Late last night I wrote him, explained my level of experience, and asked him if he had any advice. His reply came early this morning. He described the characteristics of each boat, including building and sailing, and asked me questions about what I wanted to accomplish with my boat. What was I looking for in the building process as well as what I wanted in sailing the boat later? 

Basically, he presented the business case for each boat including}

1. My goal for building and sailing.

2. The unique characteristics of each boat. 

3. The costs associated with building each boat. 

Business leaders today often face the challenge of too many good ideas and not enough resources to act on them all. Sometimes difficult choices need to be made by organizations doing project based work. Work management tools should facilitate the evaluation of potential projects to help make those decisions based upon something more than whether or not a project is a good project. In today's economy the decision must be based upon whether or not the project is the best project, or will provide the most value. And doing that requires decisions based upon predetermined metrics that include: 

1. Alignment to strategy and vision 

2. An understanding of the potential risks along with any risk mitigation plans 

3. The rewards of the potential project 

4. The costs, including the opportunity cost of not doing a project 

5. The resource requirements 

How does your organization evaluate potential projects for execution? Does your project management software help facilitate those decisions?

10:27 PM

5 Reasons To Buy A Condo

Posted by Zulkarnai Harun Ar Rashid |

Many people in today's real estate market are searching for their next dream home. But not all of them are looking for houses in the suburbs. More and more people are finding themselves drawn to purchasing condos, rather than buying a house or renting an apartment. There are pro and con to any type of property, but condominiums have certain appeal to a variety of buyers. If you are considering buying a condo, take a look at the top 5 reasons to do so. 

1. Lower-Maintenance 

A big selling point for condos is the amount of work and maintenance owners are spared by living in them. When you purchase a condo, you often give up a private yard, but this means no mowing the grass in the dead of summer, no pulling weeds, mulching or spending money on irrigation. You also won't have to worry about keeping up the exterior of your condo's building. Typically, a condo owner is only responsible for repairs and maintenance for the areas within his or her own walls. Lower-maintenance living is appealing to busy career-driven individuals who might not have time to keep up with a yard or other property care. It is also a great option for senior citizens, frequent travellers, or those with health issues. 

2. An Investment - With Benefits 

By buying a condo, many owners feel they are getting the best of both worlds - they own their own piece of real estate, which can be a great investment, and they get to take advantage of all the perks a condo has to offer. Location is also a factor. Many people who live in urban areas don't want to feel restricted to apartment living only, so a condo is a fantastic option for those who want to invest in a home without moving beyond the city limits. 

3. Amenities 

Owners are often drawn to the many amenities that their condo community offers. Similar to the amenities apartments have, condominium complexes often offer things like a pool, gym, tennis courts and more. Some newer communities even offer movie theaters and walking trails. The best part is, the property owner doesn't have to maintain any of those facilities on their own. These amenities are generally paid for by the condo association, and each homeowner contributes by paying monthly or annual dues or fees. 

4. More For Your Money 

Generally, buying a condo is cheaper than buying a house. This isn't always the case for every market, but in many areas the average cost per square foot of a condominium is significantly less than that of a single family home. 

5. Community Spirit 

If you're the type of person who likes to be surrounded by a community, condo life might be perfect for you. Condo residents generally reside in their homes longer than those who rent apartments, which can allow for a great community spirit among residents. Some condo communities even organize social events, to help neighbors get acquainted. This is ideal for someone who is new in town or is busy with work and doesn't get to go out and socialize much. Security can also factor in here, as many condo communities have an active community watch program. Some even have security systems installed in each unit, for extra peace of mind. 

Every home owner is different and a condo might not be for everyone. It's important to be honest with yourself and weigh the benefits against any negatives when it comes to finding the right home for you.

1:40 AM

Add Value To Your Business By Developinh A Rock-solid Value Proposition

Posted by Zulkarnai Harun Ar Rashid |

Small business owners need to nail their value proposition in order to add value to their businesses, according to long-time marketer and Sydney Small Business Centre founder Amanda Falconer.....

“A VP – better know as a value proposition – is the bedrock of your entire marketing strategy, which is why it’s essential to spend the time absolutely nailing it,” she says. 

One of the main reasons why many small businesses fail in the early stages is because they fail to distinguish themselves from their competition by not having a rock-solid value proposition. 

Writing a value proposition for a business comes from examining its capabilities and needs, and then determining the unique value the business provides to consumers and how it aligns with the needs of the target market. 

Having a solid value proposition in place sets the foundation for all the activities of a business, and is essential for sales, marketing and advertising. 

“The value proposition isn’t something you’ll ever use outside your business, but it is the basis of everything you will say,” says Falconer. 

To help small business owners determine what makes their business valuable, as well as their marketing strategy, the Sydney Small Business Centre runs public marketing intensive workshops. 

Former workshop participant and founder of Wealthwise Education Kate Sheehan says that developing a rock solid value proposition was completely transforming her business and helping her identify what value her business needs to give to their clients. 

Before the workshop Sheehan and her business partner David Novac felt under pressure from competition and unclear of what really made them different. The workshop helped them create a clearer focus and business model. 

“We got clear on our value proposition with Amanda in the workshop, which got us thinking of how we could make our courses match our value proposition and be more readily applicable,” she says. 

“We’ve really been focusing on making the lessons even easier to apply, and our graduates have responded really well to the changes.” 

3:51 PM

Newbie, This Is For U Article Marketing

Posted by Zulkarnai Harun Ar Rashid |

If you are new to article marketing and you don't know where to start this would be a good place to start. The first thing you want to do is, decide what you want to right about for instance you want to right about "frogs". Once you decide what you want to right about you need to come up with some keywords that is relevant to your article about frogs...

Once you have your keywords you need to see if your keywords have traffic and how you can do that is by using google free keyword tool or a paid tool like market samurai. What you want to focus on is the competition, local searches and global searches. You want to make sure that you don't pick the keywords with high competition because you will have a hard time getting on the first page of google. 

You want to make sure you pick the keywords with low competition but high searches. Now if the keyword that you choose has no traffic then you would want to pick a different keyword, broaden your keyword a bit ad more to it for example: "How types of frog species are there" that might give you more results. 

Now after you have chosen your keywords you want to go to google and type in your keyword and see how many searches there are you want to make sure that they are below 60,000 if they are then that is a good keyword to use if not choose another one. The next step would be a title you want to make sure that your keyword is in your title. 

You also want to make sure that you keyword is in a few of your paragraphs also but don't go overboard for a 300 page article have your keyword in about 2 different paragraphs. If it is 400 words you can do 3. Make sure you add in [anchor text] that your reader can click on to send them to your website, blog etc. And Lastly you want ti submit your article to different article submission sites and bookmarking sites etc. 

Now it is time to get writing.

11:45 PM

Drop Shippers Can Be Your Business Best Friend

Posted by Zulkarnai Harun Ar Rashid |

The old adage about businesses in the real world does not necessarily apply to the online world. In other words, it's not simply "build store and they will come". First, your ecommerce stores must address a need. There should be a particular demand for the products that you want to sell online. The internet is a competitive place. There are hundreds of other merchants online, particularly with the easy accessibility to free web stores. 

What you will need to begin with is a good product selection. For this, drop shippers are the ideal supplier you can work with. In fact they can be your business best friend for so many reasons. Drop shippers are essentially suppliers who can individually ship out minimum quantities direct to your buyers....

So how do they provide variety in your product line. The process of getting inventory from drop shippers is simple. All you need to do is to browse through their online catalogue of available products. When you find what you want to sell online, you could simply feed this into your own free web store. That means that you have virtual inventory of products in your own ecommerce stores, you are selling items that are not necessarily on-hand. 

The beauty of drop shippers is that they can provide you with so many items to choose from, in all categories you can think of. Joining a network for drop shippers can give you access to as much as 1 million different products. 

Even better than that, you are not tied into a single supplier. You can have different for your ecommerce store. In fact, having different ones is encouraged. Particularly because items move fast for drop shippers. They are a popular supplier alternative for many online merchants, so if they have limited inventory, it's a game of who sells it first. There is no guarantee that you would get that inventory once an order comes in, just like you don't need to guarantee sales for the items you source from drop shippers. So having back up drop shippers for the same product line (and even for the same item) is the ideal scenario. If your product becomes unavailable from your main drop shipper, you can always look to your back up suppliers to fill the order instead of risking a back order. 

5:42 PM

Benefits Of Condominium Lifestyles

Posted by Zulkarnai Harun Ar Rashid |

The trend of Condominium living is growing nowadays around the world and most of the people prefer this option with much enthusiasm and positively.....condominium lifestyle is much trendy and easy going kind of living in the urban or metro areas as by this lifestyle you can enjoy all the benefits of modern living. 

If you consider the typical fast life of professionals these days, they just go home to rest and spend most of their time at work. Condo living offers lots of benefits for these category of people. Exploring countless possibilities associated with condo living is exciting risk to deal with and that is the reason why more and more people prefer to live in these kind of lifestyle. If you are interested to try out something fresh or new and want a good transformation in your lifestyle than condo living is the best option for you. 

By switching over to condominium lifestyle you get many of the important benefits. One of the major benefit of preferring condo lifestyle is you get your place at a premium location. It has been always noticed that the condo buildings or premises are always located at the heart of the city where you definitely get a better experience of living. Location of the house gives many benefits like traveling to workplace or other places gets easier, there is no problem of traffic which leads to less fuel expenses, availability of all things like departmental stores, hospitals, schools, gyms, common services and facilities like swimming pools, gyms, tennis courts, elevators, etc are accessible. Residents and members get the right of using these amenities. So you can enjoy these facilities offered if you prefer to stay this kind of lifestyle. 

Another important benefit of this is Security. You get the guarantee of quality lifestyle by different security services of condominiums. For example you get the security service 24/7 to protect you and keep you safe as you are a member of that condominium. Also some modern premises have the security gadgets installed for the security purpose of the members. 

Comparatively living a condo lifestyle is preferable as long as you have good resources and is the best option for people who wants to start up their life living in the urban cities like new professionals or students or newlyweds. Living like this is much comfortable and is affordable too if you consider all the services you are getting in return. Professionals who are mostly busy in their life and don’t get time for the maintenance of their home, can opt for it as here everything is carried out by the Condominium management company. 

A Condominium Management company is a company which actually provides a real estate management service to the home owners. So the total management that is administrative, accounting, maintenance, and consulting is done by this company. So if you are the one who own a condominium property, it is always better option to go for a condominium management services so as to give it on rent or sell it.

11:36 PM

Selling Online Can Made Easier Money

Posted by Zulkarnai Harun Ar Rashid |

Choosing which wedding shoes to wear- open toe wedding shoes or closed toe wedding shoes - may be just as intense as getting the best bridal gown design. This may leave a bride helpless. A mix of excitement and nervousness is enough to agitate the bride. Thus, the confusing choice of the type of shoe to wear is more than enough to keep her crammed up. And it disturbs her more that even her planners cannot give a specific impression on this subject. 

It is but normal that someone else cannot speak for the bride as to what type of wedding footwear she should be wearing on her special day. The answer depends only on the bride's personal style and preference. 

Before making her final choice, a bride has to consider a vast range of options and factors. She has to first take note of the time, the place, the season and the weather during which her wedding day will be on. This once again brings about the debate of which of the two given types of shoes would be more advantageous to a bride- open toe wedding shoes or closed toe wedding shoes. Generally speaking, both open toe wedding shoes and closed toe wedding shoes are accepted for weddings, even with the most formal one. The distinction now would vary at how each will be beneficial to the bride's situation and preference. 

Closed toe shoes are one of those selected foot wears most women prefer because of their style and the comfort that they give to the fragile women's feet. They come handy on days when there is a need to look executive or prim or during days when you want to look your best and you forgot to repaint your nails or worse, you got chipped nails. These are good fashion cover-ups and are indeed blessings when it rains. 

Apparently, weddings are occasions that are expectedly prepared and anticipated. They are no flaws to cover-up. Thus, closed toe wedding shoes are now merely plain shoes to enhance the wedding dress. 

On the other hand, open toe wedding shoes are similarly beneficial. Aside from being a latest trend that most fashion conscious women prefer, it also gives comfort, ease and a feeling that shoes may be hot in style but definitely cool were worn, these shoes are just perfect for weddings, especially indoor ones. This fashion baby can boost a bride's feel-good self knowing that everything her from head to toe is all but part of her wedding royalty. 

Both two types of shoes are unique on their own styles. They both mirror femininity and class to every women who has them on, and this includes a soon to be wed bride. Every bride is deserving of the best pair of wedding shoes that she could ever have. May it be closed or an open toe wedding shoes, whatever her preference might be, what will matter in the end is how comfortable she is and how lovely she thinks of herself with that pair of shoes.

I dedicated several years of my career to working within the recruitment  (86) component of my company, before moving on to different management tasks. As anyone who has worked in the same manner can attest, this is a challenging but enjoyable occupation. There is a bona fide power in the ability to decide whether an applicant gets their jobor not. It does however bring with it much in the way of responsibility and records. There are many laws regulating the correct procedure for recruitment. Fair conduct throughout the chain is assured only when these rules are stuck to by virtually all. It isn't possible for a company to call themselves professionals if they don't comply with all these rulings. 

A considerable section of this process was conducting pre employment screening. This was simply a essential duty in the process of recruitment. Before a likely employee can move closer to the end of the process, their experience need to be checked thoroughly and verified. In the case of my office, this wasn't so efficient. Mainly due to a lack of acceptable budget, we had to make do with more old pre employment screening systems, despite better ones being offered. The result was an often long and frustrating hindrance in the system. 

Gradually, our requests to management for more in the way of budget were heard andresponded to. We ultimately had the funds at our disposal to upgrade to a sophisticated pre employment screening system. Despite the simple fact that it was likely going to be a complicated and challenging task, all of us were satisfied to go through it. The real challenge in this further advancement was maintaining our current checkings as we moved forward. Fortunately, we made a good selection in terms of company for this, and the process was relatively simple. We encountered suprisingly little in terms of difficulty as we moved between programs. This precisely translated to savings for us; the process of recruitment is actually quite costly, whether thejob applicant is successful or not.All our desires were wholly fulfilled once we began running the new pre employment screening programs. As we had become very much accustomed to operating within the confines of a more obsolete system, the sheer increase in production was astounding. It soon became apparent just how much our old method had slowed us. The speed of our entire method took a sharp upturn, along with drops in failed applications. Money was being saved as well as a faster speed of recruitment. This is due to even if an individual does not make it through hiring, it still costs us; the speedier the process is the better. It goes without saying that leadership was happy with the results. Everybody was happy with the result, and happy to the company for good installation. 

And so it came to be we come to understand our lesson well. Whatever your area of corporation, keeping long term tech in mind is very prudent. We had lost out on years of lost savings simply because we had maintained an outdated approach for pre employment screening. The good news is we're now maintaining at peak. The cost of making such a changeover doesn't have to be that high. Take a glimpse at the links i've included below to ensure that your own business can enjoy streamlined pre employment screening.

1:25 PM

Doing Business Based On Trust and How it Can Backfire

Posted by Zulkarnai Harun Ar Rashid |

This article is intended as a general warning to anyone embarking on a business venture with someone who you believe you can trust, or who you have worked with for a long period of time. 

The article is written following an arrangement with a man called Peter White who is the sole proprietor of a mortgage business named either Aston Mortgages and Ownbuild. What happened should warn others about some of the dangers of partnerships based on trust. 

Peter was a longstanding former client of a business I worked in as a web marketing director for several years. I had no reason at the time to think that Peter was anything other than honest and straightforward, albeit he was always shall we say looking to squeeze down prices and obtain services at a reduced rate. 

After the company I worked for, and that Aston Mortgage was a client of, went into administration we kept in touch. During the following year Peter came to me with a number of business propositions relating to websites. I rejected all but one, which seemed to have some potential. Because of my long term business relationship with Aston Mortgages I went ahead with this without a proper agreement – only an email from Peter stipulating the terms of the agreement. At the time I had no reason not to trust him but realise now this was foolish and despite the 50:50 split on all commissions promised in his email, Aston Mortgage did not honour the agreement. 

As Mr White had very cleverly set Aston Mortgages up as the sole recipient of the commissions and had control of both the website password and the Google marketing campaign, after paying out on a few of these, I believe greed got the better of him. 

He changed the password to the website and the Google campaign and then has refused to pay over 6000 GBP owed under our arrangement. 

In addition to warning others, having spent a lot of time and money on legal proceedings in the past I decided the best way to get repayment is to name and shame using the web as the most effective way. 

The lesson for others is make sure you have a binding legal agreement with anyone you go into business with, even if you have known them for years. I would also caution anyone to avoid penny pinchers- I didn’t do this with the owner of Ownbuild and paid the price.(85)

11:45 PM

International Payment

Posted by Zulkarnai Harun Ar Rashid |

Do you need to send money abroad? 

Whether you are making an international payment for a property, a holiday, paying a mortgage or bills abroad you need to find the cheapest way to transfer your money and achieve the best exchange rate..

International payments can be made by your bank or via a foreign currency broker.......

Banks V’s Foreign Currency Brokers 

You will save more money using a foreign currency broker to make an international payment abroad. Banks can charge up to £30 per international payment and offer uncompetitive blanket exchange rates. Foreign currency brokers due to their huge buying power are able to offer you far better exchange rates. Most brokers will offer you free international payment transactions on larger amounts and will also waiver any transaction fees if you make regular international payments. 

Use the Compare currency comparison table to find out what transaction fees the leading UK banks and foreign currency providers charge for international payments. 

If you are making an international payment for the first time and are looking for advice and help monitoring the foreign exchange markets in order to achieve the best exchange rate, you will need an expert to help you. Unfortunately international payments made via the bank are carried out in call centres, where the staff has little/no knowledge of the exchange rate markets and the reasons behind the fluctuating exchange rates. Currency brokerages on the other hand employ market experts who are on hand to help guide you through your entire international payment. They can explain what is happening in the market, monitor the exchange rate for you and help you to achieve the best possible exchange rate. 

How to choose the best Foreign Currency Broker? 

We have listed the leading foreign currency broker’s specialist areas, transfer fees and minimum transaction sizes so that you can easily find the best one for your currency requirements. Once you have read through the table we would recommend contacting two different currency providers for a free no obligation quote so that you can find how if offering the most competitive exchange rate. 

Making an international payment via a foreign currency broker is quick, simple and far easier than you may first imagine. Use the Compare currency international payment table now to save money and get the best exchange rate!

10:13 PM

Giveup With Small Salary! Try Putting Up a Small Business!

Posted by Zulkarnai Harun Ar Rashid |

Tired of Your Work? Try Putting Up a Small Business!
 

Are you currently one of those individuals who really feel continuously burned out with work? It’s like there isn’t any a lot more progress or fulfillment in what you’re performing. Frequently, you just appear like a robot programmed to do the function routine over and over again If this is what it’s been like for really some time, why don’t you contemplate a brand new job or an entirely unique career path? Or far better yet, put up your own business, where you will be your own boss and at the exact same time, you’ll oversee every thing that the business entails. 

Putting up a business even a tiny one like a popcorn or snow cone stand might be a significant challenge. There are a lot of factors that you simply have to consider and look at. But in spite of the heavy work, you will find it to be very satisfying not only financially but also when it comes to personal fulfillment. It’s a key achievement which you would surely be proud of. So what do you will need to put up a little but profitable business? Here are a number of the first steps. 

Step 1 - Make a decision on your business undertaking 

This is naturally, the very first thing which you need to do. When choosing a business type, you need to consider several aspects. One is profitability. It doesn’t make sense to go for companies that won’t earn you any cash mainly because your business won’t survive if that's so. Food stands like popcorn and snow cone outlets are on the best of the list when it comes to profitability. 

Subsequently, you also have to pick something that you get pleasure from performing. If you are a foodie, a food stand could be an excellent selection. If you’re a pet lover, you may wish to open a pet shop. In case you enjoy computers, try selling these gadgets. Not surprisingly, you also have to know one thing about the business that you’re putting up. If not, it is far better to brush up your understanding on it so you do not lose your way around. 

Step 2 - Think of a name 

Then you also will need to think of a name for your business. Think of something catchy, creative, and interesting. But in the very same time, the name ought to also be relevant the business and must be brief and basic enough to stick towards the minds of your possible buyers. Go on the net to come across numerous concepts for names that apply to your business of option. 

Step 3 - Organize the requirements 

Subsequently, you need to organize the requirements. Putting up a business would demand application for business permits and a lot more. It can be ideal that you consult a business professional as a way to have a thorough understanding of this procedure. Don’t be discouraged by this step. Although there are loads of paper work, every thing could be worth it in the finish. 

Step 4 - Raise the capital 

Then not surprisingly you also need to to raise some capital. This could be for the rental of the spot where you’ll be putting up your business at the same time as for the purchase of the factors that you’ll be working with. Obtaining a bank loan is one selection but you need to calculate your finances properly to ascertain just how much of a loan you'll be able to comfortably afford. 

Step 5 - Invest on the equipment 

Do not forget to invest on the proper equipment. By the word, correct it does not only mean which you ought to invest on points that are appropriate for your business but you ought to also go for high quality ones that will not endanger your business in any way. If you’re going to put up a popcorn or snow cone stand, you’ll come across plenty of commercial popcorn machine and snow cone machines on-line.

 There are numerous cheap business web site hosting services to choose from on the internet. But do you know that it isn't all of them that will offer you quality service? There are so many cheap business web site hosting services that have frustrated business owners. This is the reason why it's important to find the right cheap business web site hosting services for you. But how do you identify the cheap business web site hosting services that are reliable and of good quality? Remember, if your site goes down, you will loose the chances of being visited by a potential visitor or customer....

How to identify cheap business web site hosting services that's right for you. 

Cheap business web site hosting services that are reliable will offer the following: 

1. They'll always monitor their servers 24 hours a day, 7 days a week so that any problem can quickly be corrected. 

2. Cheap business web site hosting services that are of good quality will offer a decent 24/7 support. This means that they'll be able to respond to your request in a very short period of time. 

3. Cheap business web site hosting services will be able support the software or language that your website was designed with. 

4. Cheap business web site hosting services will be able to offer you a disk space that will contain all the files of your website. The amount of space that you will need depends on the number of images, graphics, animations, videos and whatever that you have on your website. 

These are some of the features that reliable cheap business web site hosting services will offer you. There are still more! But there are two other important features that you must critically consider. 

To choose a matching web host provider is one of the most crucial decisions you have to make when starting a business web appearance. One of the most common mistakes made by business web site owners is to pick out the most inexpensive web hosting package which in turn gives himself a load of technical problems and website downtime. To switch over to a different web host often complicates the initial phase of your business website. Make sure you consider this five important factors and you're on a good way to find a good matching web host provider: 

1. A web hosting plan has to match your needs... 

Make sure that the hosting plan matches your websites technical needs. A plan with marginal features will probably cause a lot of technical problems and if you sign up for redundant features you will cause unnecessary expenses for your business. The best is to choose an upgradeable business hosting plan. That keeps your cost as low as possible and gives you the possibility to grow as it grows with your business requirements. 

2. Avoid overpopulated server infrastructure... 

If the server network is overpopulated could lead to dormant network problems and generally to a negative costumer experience and web reputation. To ensure that the server is designed for the number of users that are hosted on it just check out the technology and get an idea of the quality of the server. Reliable web host provider only use high quality equipment and provide 24/7 technical support to keep their infrastructure well maintained. 

3. Back-up service is a must

Good web host providers have taken precautions in case their network crashes and for that they back up your website on their own servers. So you're on the save side and your website will be running even when a crash occurs on their network. 

4. Watch out for knowledgeable and prompt reacting technical support... 

One day you urgently need quick help and then you'll count yourself lucky that your web host has knowledgeable and prompt reacting technical support. This is a point you shouldn't underestimate. If you're under pressure and the technical support of your web host is not accessible or not professional enough than your problems has just begun...

5. How is the web reputation of the intended web host provider? 

Watch out for unbiased reviews of your intended web host provider and find out its web reputation. Best places for that kind of research are web hosting forums where you can find testimonials and feedback from other users who have used the web host before. Experiences of other business owners from the past often give you a clear picture if a web host provider is reliable or not.

11:31 PM

The New Way Of Managing Corporate Reputation

Posted by Zulkarnai Harun Ar Rashid |

With an emerging breed of consumers demanding dialogue from businesses and insisting on greater organizational transparency and accountability, image and reputation management for organizations has become harder than ever. It is like having millions of eyes watching over your business and a thousand mouths asserting involvement in the communication process. The challenge now is how organizations establish and sustain a positive and strong brand and corporate reputation in the Internet Age. 

Five Meta-Trends in Managing Reputation Online 

John Bell, managing director of 360o Digital Influence of Ogilvy Public Relations Worldwide, talks about five meta-trends that affect how corporations manage reputation in the presence of the social media and brand communities. 

1. Hyper transparency 

“Having 150 million bloggers means having thousands of potential forensic accountants, social watchdogs and activists watching your company.” 

It is high time that businesses not only open their windows and doors but make their walls transparent as well. Consumers are out to hear and see what’s going on with their brands especially now that various social media tools allow them to do so. Organizations must then operate with honesty and clarity. Secretive companies never win. Openness is the new rule of the game. 

2. Viral Crises 

“Crisis spreads through networks – formal and informal with lightning speed and full motion pictures. When bad things happen, they spread extremely fast, often with the accompaniment of YouTube videos.” 

Primed crisis management plan is a must for today’s businesses. Be wary of bad things blogged, twitted, and posted about your company. Crisis spread is multi-directional and 10x faster. Meet and converse with the fire starters in the right platforms. Above all, your company has to respond fast. 

3. Demand for Dialogue 

“One way messaging is not acceptable to those who crave dialogue. Consumers crave conversation, not messaging, from the brands they love.” 

Let humans converse with humans. Consumers don’t need dreary press releases or deceitful ads. They desire and demand dialogue, genuine dialogue at that. Nothing else gains their trust and loyalty than companies that sincerely listen to and talk with them.....

4. Louder brand detractors and employees 

“Smart... nimble detractors leverage social media everyday. The Social Web has built new brands from the small guy who knows how to leverage blogs, search, Web 2.0 innovations like tagging, social networks and more.” 

Organizations need to be good at the same weapon their critics use. Today, it’s the Internet. Know where the brand detractors are and in what ways they talk. Your company would not want to be fighting in the woods when the enemies are out in the plains. Likewise, you would not use spears when they are already using guns. 

5. Uncontrollable brand fans 

“Brand fans have a louder voice than ever (and you cannot control them). Corporations either embrace them, ignore them or fall into the danger of trying to control them, or worse, shut them down.” 

Powerful allies your company would not dare lose are brand fans talking online. Seek ways to reach and engage them. Know and speak their language. Most importantly, converse with them as human and natural as possible. 

Rules for Online Reputation Management 

Bell’s five meta-trends define the new game of reputation management. It introduces businesses to the emerging game field, players, allies and opponents and game tools establishing and maintaining their corporate and brand reputation. Nevertheless, no matter how much the game, its players, and tools have changed, the fundamentals remain the same. Here are the game rules which I believe rightly apply to corporate reputation management across all media. 

1.Know your brand. 

2.Share your story. 

3.Listen and respond to your enemies. 

4.Engage and reinforce your allies. 

5.Always adhere to the core of PR: truth.

2:49 PM

New Mortgage Rules In Canada Could Give Home Buyers Good News!

Posted by Zulkarnai Harun Ar Rashid |

 The new rules for mortgages, set by the Federal Government, take effect March 18, 2011. Mortgages will not be available for longer than a 30 year amortization, and you will not be able to re-finance more than 85% of the value of your home. In addition, Ottawa will withdraw government insurance backing on lines of credit secured by homes. 

At a news conference in Ottawa, Mr. Flaherty said the measures will encourage Canadians to save more through home ownership. He said they will also reduce the exposure of Canadians to financial risks. “Canada’s well-regulated housing sector has been an important strength that allowed us to avoid the mistakes of other countries and helped protect us from the worst of the recent global recession,” said Minister Flaherty. 

Analysts agree that these changes reflect a measured approach so that personal debt loads are scaled back and can be sustained if rates increase over the next few years, and, so the real estate market remains largely unaffected. 

With these new mortgage rules in place and modest economic growth occurring, the prime rate should be kept in check until at least the last half of this year! But there are some market impacts that need to be examined. As they may provide the perfect buying opportunity for many. 

In the short term, there may be a rush before March 18 for borrowers that still want to amortize over 35 years, but in the long term, the small percentage of buyers who may have to wait longer to make their home purchase could reduce demand just enough to keep price increases at a minimum. This could give many buyers the opportunity to buy! 

The forecast this year says there will be a moderate adjustment to overall house prices, and if rates remain at low levels, it may bring a new level of affordability to buyers, even at amortizations less than 30 years. 

Your Independent Mortgage Broker, Goerge Gikas, understands the impact of the new changes, and can help you understand all the factors that need to be considered in your mortgage financing. 

The value is in trusted knowledge and expertise. Call George today and discuss your dreams. It may become reality earlier than you think!

12:28 PM

Term And Benefits Of 5 Year Adjustable Rate Mortgage

Posted by Zulkarnai Harun Ar Rashid |

A 5 year ARM, also known as a 5/1 ARM, is one option being offered today by many mortgage companies. This particular loan has a fixed rate for the first five years and then changes once each year for the remaining life of the loan. 

The benefit of a 5/1 arm is that it gives the borrower a much lower interest rate and payment initially. For example, as of today March 16, 2011, a 5/1 arm with many mortgage lenders has an interest rate of 2.75% compared to a 30 year fixed with an interest rate of 4.625%. For a loan of RM250,000 the monthly payment on the 5/1 arm would be RM265 less. For borrowers who are confident they will sell their home within that 5 year period, this kind of loan would be an ideal product. However, borrowers that are just looking to lower their payments may find this loan disastrous because after the 60th month the 5/1 arm can adjust by up to 5 percentage points! This is referred to as the 1st adjustment cap. Every 12 months after the initial adjustment, the loan will adjust again which is referred to as the periodic adjustment.

Typically, the cap on this adjustment is less than the first adjustment cap. Many lenders set this at a maximum of 2 percentage points. The final term for the 5/1 arm is the lifetime adjustment cap. This is the amount that the interest rate can rise during the entire term of the mortgage, which is typically 30 years. Many times, this is equal to the initial adjustment cap, or 5 years. In other words, a 5/1 arm typically has the terms 5/2/5 (initial cap = 5%; periodic cap = 2%; lifetime cap = 5%). For example, a 5/1 arm that closes with an interest rate of 2.75% will remain fixed for the first 5 years. At the end of 5 years it can rise to a maximum of 7.75% but at no time during the term of the loan can it rise higher than 7.75%. If the interest rate rises to 5.00% after the initial adjustment, then in 12 months it can rise as high as 7.00% (2 percentage points). 

The change in interest rate is tied to an index that determines how much your interest rate will rise or fall at each adjustment period. The most common indices used are the U.S. Treasury Bill and the London Interbank Offered Rate (LIBOR). Both are posted daily on the Wall Street Journal as well as most other financial publications. Every lender sets a "margin", which is the spread between the index and the interest rate offered on the loan. For example, as of March 16, 2011, the 1 Year LIBOR was equal to 0.772%. Many lenders will have a margin of approximately 2 percentage points. Therefore, the interest rate offered on the 5/1 arm would be equal to 2.75%. In 5 years, if LIBOR was up to 1.500%, then the 1st adjustment on the loan would take the rate up to 3.50%. Of course, interest rates always have the potential of falling also. 

It is absolutely critical that borrowers thoroughly discuss all details and options with a mortgage professional and trusted financial advisor before closing on an adjustable rate product. Even though a 5/1 arm can make sense for people who will be selling their home within 5 years, it can be devastating for those just trying to lower their monthly payment but not having any intention of moving within 5 years. Borrowers should always remember to protect themselves against the downside and prepare for the worst case scenario.

5:57 PM

How To Start Your Own Home Daycare Center

Posted by Zulkarnai Harun Ar Rashid |

Your Own Home Daycare Center
 

To answer the big question: how to start your own home daycare center, you will need to understand what makes this business profitable. There are many daycare centers that operate full enrollments of 35 to 65 children however, these are breaking even. This is because of the imposed regulations causing big overhead costs. To rake the annual profits that fall to “before taxes” bracket of RM100,000, need facilities to care for 150 to 200 children will be necessary. 

How to start your own daycare center is not an easy question to answer, nonetheless, it is not that hard at all. The First thing you should do is contact your State Daycare Licensing Agency. By doing so, you will get in touch with your local agency. They will possibly send you a packet of information with application, regulations and other steps that you need for availing your license. 

Not all states require a license for your own home daycare center, as some just oblige you to be registered depending on how many children you are planning to take care of. Regulations vary from state to state. These are also different for home daycare than for daycare centers. 

To make sure that you will start your own home daycare center right, you should ensure yourself with the right information. You can start surveying and soliciting suggestions from experts. There is nothing wrong with asking for the help of those who are experienced with this kind of business. 

If you like children and it’s your desire to teach them, setting up a daycare center might be good for you. Here are some simple guidelines how to start a daycare center. 

1. It’s easy to learn how to start a daycare center if you engage in working on this field for a few months. It may be appealing to start on a task when you’re not yet trying. Of course, it’s very uncomfortable to all your resources into launching a new business, only to discover that you really can’t handle running kids. 

2. Take time to learn about administrative aspects of managing a daycare center. Examine the state’s regulations; learn what you need to get to become licensed. Identify the number of children you can have in your care at one time, and the accepted adult to child ratio. It may be tough at first but your knowledge will make the rest of the project much easier. 

3. Investigate all the legal issues that daycare providers face. Understand that you can’t control kids’ unreasonable behaviors. To prevent a parent from hitting you with a lawsuit, don’t forget to consult the service of a lawyer and get great insurance coverage. 

4. Search for the right physical facility. You can decide to create a home based daycare center or you may want to open your daycare in a separate facility. Either way, just make sure that you can provide enough space for the children to play, cribs, and small tables for crafts and “school.” Furthermore, you are going to need kitchen facilities....

5. Look for the best staffs you can trust with your daycare center. Keep in mind that they must have a solid background and experience with young children. You may need to run background checks for security purposes, and the parents, that everything is safe and clean.

10:49 PM

Bumps In The Real Estate Buddy System

Posted by Zulkarnai Harun Ar Rashid |

Just like any endeavour, sometimes the road is going to be bumpy in the Buddy System in real estate. Here are some examples: 

1. There’s this buyer who’s been in the house for two years already. But then he just stopped paying. 

2. There are sellers who won’t sell the house the way you want them to. After six months, you just heard the news that the house was sold at a very low price. So, it kept you wondering, “Why didn’t they consult you back?” or “Why did they sell it to someone for a lesser price?” Emotion is the reason. Sellers are so fed up with their emotions for 6 or maybe even 12 months. Until they reach a point where they got themselves thinking and so they’ve finally accepted it. They need to move on and lower the price to have it sold quickly.

3. Another situation is when the seller just wants to move on with their lives. They reach a point where they just desire to have a peace of mind because it’s never about the money. At the end of the day, they want the house sold and they’ll do anything to get rid of it so they can continue on with their lives. 

4. If your buddy’s house isn’t up for selling, they might be calling to tell you: 

“My wife and I have talked and we would like to express our sincere gratitude for everything you’ve done. I know you’ve been selling our house for $400,000 and we’ve had lots of people coming here. However, things haven’t been working out but we’re really thankful for your hard work. We also talked of how we eagerly want to move on with our lives because it’s such a hassle on our part and we’ve come to a decision where we just want to move on. We’re really grateful for your work and we do want to have the house sold at RM400,000 but we were thinking of RM320,000?” 

So, these are just some of the bumps you and your buddy will be going through. But still, it’s always good to consider a Buddy System. 

You must both understand that you are not working for the seller and the seller is not working for you as well. Instead, you are buddies. You are a team. You work together to get the house sold. You get the paperwork organized and come up with deals so that you can both benefit from this joint venture partnership. You get what you buddy wants and at the same time gain the profit. 

In sum, the Buddy System helps both buddies maintain a good relationship towards each other!

1:03 PM

General Information About Quick Ways To Transfer Money Abroad

Posted by Zulkarnai Harun Ar Rashid |

Easy Ways Transfer Money Tips

 If you need to transfer money abroad there are only a few simple steps you need to keep in mind. A valid bank account is a necessity for transferring money anywhere, a legit company, one that has been in business for at least five years is also the best way to secure your finances. And being aware of the rules and regulations regarding international money transfers is also another important factor to keep in mind. Once you have these three items it will be as easy as pie to transfer your money abroad without any glitches or unforeseen speed bumps along the way. 

A quick search online will bring up a great many resources regarding transferring money abroad. There are hundreds of companies boasting about their services online and most of them are pretty good. Some of the top competitors in the market today are PayPal, and Moneygram. These companies, barring PayPal, offer agent locations around the world as well as online portals. PayPal is solely internet based but is still just as efficient and secure as its competitors. In fact, using PayPal can be much cheaper than the others in some instances. If you have access to a computer and would like to complete an online money transfer abroad yourself then PayPal is the perfect source to complete this. If you would rather go in and speak to an actual person to help you with your goals, then one of the other two companies may prove to be more beneficial to you. 

A valid bank account is necessary when working with any kind of financial institution. This is because it is the securest way to prove your identity. When working with money companies are liable for the money they are working with and thus they need to be able back their claims up by knowing you are exactly who you say you are. Finally, when you need to transfer money broad you are going to need to know the rules and regulations of the country that you are sending the money to. 

The rate of exchange for currency is going to differ by country and knowing this ahead of time will help prepare you for anything that may come your way. Transferring money abroad is actually quite easy and can be done at home with your personal computer. However, if you are wary of tackling such a transaction on your own there are a large number of companies and banks that have locations worldwide and are perfect for helping you in these matters. Just remember to prepare before completing the transaction and you will have no problem.

3:58 PM

Money Generate ...How???

Posted by Zulkarnai Harun Ar Rashid |

Selling Domains To Generate More Money

If they wish to become financially free, internet marketers know that their chances are greatly increased if they have a wide range of income sources. It is for this reason that many internet marketers are developing multiple projects simultaneously.

An excellent way to make money online, besides creating your own products and affiliate sales, is by buying and selling domains. If you approach it the right way, then domain "flipping" as it is known, can be quite profitable. Here are some hints that will help you generate even more cash from the sale of domains. 

Your negotiation skills will need a little polishing. Learning negotiation skills is vital to doing business. No matter what you do, people buying from you will always attempt to get you to offer more for the same price, whether through additional products or services, or at the very least try to convince you to lower your prices.

There are some people who will not agree to be swayed from their position. We believe that you will be better armed by learning some negotiation skills, even if the latter is a valid position to take. If you bargain with your potential buyers, or even merely agree to do so, you will improve your credibility in their eyes and thus increase the chances of you actually selling them something.

You may even be able to apply those bargaining skills to increasing the size of your sale! You should develop a website for your domain flipping business. This website can be used to present a little information on the domains you are selling. You also need to provide a little information about yourself as well as about your business and its policies. This way you can build a respectable reputation for your business. A website and a professional online presence will help improve the trust of buyers. Rarely are forum posts and e-mails enough to make a sale go through.

Sometimes, additional effort is needed. Even more importantly, a website will enable you to market to a larger audience than if you were attempting to sell individual domains. 

You must set the correct price for your domain. You will find it hard to turn a large profit on a domain that has never hosted a site. If your pricing is appropriate then you will still be able to make money from these domains. It is unlikely that you will earn a profit of hundreds of dollars from a domain name that has never been used before. Overpricing your domains can lead to you not making the sale.

If you under price your domains, though, you could end up losing money. When pricing your domains, keep an eye out for the price of other types of domains and use that as a guide in your own calculations. Domain selling is a legitimate way to generate extra cash online. There are people who turn domain selling into their main source of online income......

There are others who simply use it as a hobby. It is completely up to you to decide how much work and time you will put into this online cash generation technique. If your goal is to simply generate a little additional cash then that's perfectly okay. It is possible to turn it into a full time business as well....

5:40 PM

Ideal Based Business For Men

Posted by Zulkarnai Harun Ar Rashid |

8 Home Based Ideal Business You Are Looking For......

It is not just Moms who are looking for ways to earn from home but many men want to work at home too. The reasons they are looking for home based business ideas for men are varied. This could be because they have either been retrenched, want to replace their jobs with a home business or would like to supplement their income.....

In this article we take a look at 8 home based business ideas for men. 

1. Get involved in affiliate marketing and make use of the Internet to sell other people's products. 

With affiliate marketing you can get paid for getting leads as well as get paid by the click. Another way to make money is by recruiting affiliates in two-tier affiliate programs where you will get paid a commission on the products your recruits sell. 

2. Have you thought of consulting? Using your expertise you can teach other people who will pay you for consulting if it helps them accomplish things they need done. 

3. Start repairing cars at home. You can build a competitive business working out of your own garage and this can be personally enjoyable as well as very profitable. 

4. Get involved in direct sales. It is not only women who get involved with direct sales companies. Men are also selling Amway, Tupperware, Avon, Herbalife and other direct sales products. 

5. Start a day care centre for children. A day care business is not just for women. Many stay at home Dads these days are taking care of other people’s children. 

6. Start an online network marketing business. There are many to choose from and the Internet makes it much easier to build a business from home. It is not uncommon for men to work with their wives and build their business as a team which is also a good way to do it. 

7. Get involved in Joint Ventures. If you are working online look for other Internet marketers and do a joint venture together. You may be able to combine your particular skill or interest with that of another person to build a successful online business. 

8. Make money freelance writing on the Internet. Writing ebooks and selling them on ClickBank or Amazon is very popular right now. Writing for other Internet marketers as an article writer or a blog writer can be extremely lucrative. 

If you have a flair for writing the big money is in copywriting and you will find courses online to help you with this. 

The above are 8 home based business ideas for men. Thanks to the Internet both men and women can now get involved in the same businesses, so some of the above will overlap.

Read More Here Just For You

1:35 AM

Why Are The Most Successful Electric Cars On Mars...

Posted by Zulkarnai Harun Ar Rashid |

The Most Successful Electric Cars On Mars?

 Think about the Mars Rovers Opportunity and Spirit, the solar-powered vehicles that were designed to carry on for ninety days of Martian exploration but have now gone ten times that long – and are still going and going. Witness the great shots Opportunity just sent back from the edge of the Victoria crater. 

In fact, when you think about them, you realize these golf-cart-size wonders seem to be cleverer than any electric car roving the surface of the earth. Somehow they just keep powering along, even in an environment that seems quite a bit more hostile even than driving in New York City. 

So here’s to the twin Rovers. May they continue their revealing trek across the red planet. 

And may someone in Kuala Lumpur ask, Why are the most successful electric cars on Mars? 

8:45 AM

You Lead I Follow - Are U Leader ?

Posted by Zulkarnai Harun Ar Rashid |

                                            Image result for leader pictures

A lot of focus has been placed on being a good leader. In fact, there is more literature about good leadership than any other management topic. This is because leadership covers not only management, but it involves teams, motivation and even our social lives. 

But what of the people who consider themselves non-leaders? 

If you are contented to follow, you are, by definition, a follower. Yet, the reality is that no one is a 100% follower. Everyone, bar none, will at one time or another be in a leadership position. 

“Anyone knows a good restaurant around here?” 

A timid hands goes up, and Timid Tim says, “I do. Follow me.” 

No! That is not leadership! Yes, I can hear those protests loud and clear. Now, Timid Tim starts walking, turns a corner, goes down a flight of stairs, turns another corner all the while muttering to himself about how wonderful that restaurant is. Then, when he arrives, he is alone. Somewhere along the way, he manages to lose the entire group. 

Sure, that is not LEADERSHIP, but even this simple example of leading a small group serves to show that at some point, you have to lead. 


                                             Image result for leader pictures

When speakers talk about leadership and how everyone should be trained and about how everyone is a leader, there are many scoffers. They think that this is all about selling more seminars. Or it is just hot air to encourage the “others” so they don’t feel too bad. Hardly. 

In our many capacities, we are followers in some and leaders in others. It is inevitable. Have you ever followed someone with an IQ less than yours simply because he knew where the toilet was and you don’t? 

Leadership skills are especially important at home. At work, there is always some one ready to step up to the plate. We all want to excel. Be promoted. Be noticed. One man’s faltering is another man’s elevator......

But at home! there is just you and your family. Think about that. The option for someone else to “step up to the plate” are not too plentiful in the home. 

So, the next time you have a chance to attend a “leadership workshop” or a leadership seminar, don’t pass up the chance just because you think you are not a leader.

Prove that u can do something...

5:47 PM

Long Term Care Costs

Posted by Zulkarnai Harun Ar Rashid |

Preparing for Long Term Care Costs
 
Leading providers of long term care (LTC) insurance policies encourage families, who have members that will need LTC anytime soon, to sit down and seriously talk about future care giving services in order to avoid facing the soaring long term care costs................

America’s national median annual rate for a private nursing home room is currently $77,745 while a one-bedroom assisted living facility would cost $39,135. LTC patients, however, can pay more or less depending on the cost of care in their state of residence. 

For instance, Iowa which was exempted from the list of 10 states that were predicted to face a rapid growth in elderly population who will need LTC in 2030, has a median rate of $57,852 for a private nursing home room while a private assisted living facility in this area would cost $38,184. These figures are definitely lower than the present national median rate. 

On the other hand, Connecticut’s median rate for a private room in a nursing home will take you by surprise at $140,525. For a one-bedroom assisted living facility you’ll need to shell out $53,850, so just imagine how much you’ll need to fork out in 2015 as industry leaders have foreboded long term care costs will double by that time. 

This data for long term care costs courtesy of Genworth Financial just goes to show that despite the national median rates of LTC facilities, you could spend more than what you have expected. This is the reason seasoned LTCI agents and companies would constantly remind the public to secure themselves with a long term care insurance policy which is integrated with the appropriate inflation rider. 

Even if you keep abreast of the latest news about the industry, the numeric figures which the country’s top LTCI providers present in relation to the present cost of LTC are not accurate because there are also outside factors to dictate the inflation. 

As one gets older, his chance of securing an LTCI gets slimmer. In case his application gets declined by the insurance company, he can’t just say that he’ll rely on Medicare, as his vast contribution to Social Security can answer for him. 

This misconception about Medicare usually gets people into trouble. Only few truly understand that Medicare will shoulder nursing home expenses which one will incur while on the road to recovery from a temporary illness or disability. 

To be certain that your long term care or that of your parents will be fully covered, now is the right time to inquire about LTC insurance policies. You can request for a policy quotation from different insurance firms since LTCI quotes are not uniform. Your insurance agent can help you out with this because most LTCI agents are affiliated with the top carriers of LTCI. 

Once you get hold of the list of LTCI quotes, study each to be able to determine which will work for you, your parents or anybody in your family. Influencing the people in your life to secure their future health care needs is, after all, the best expression of love....

10:21 AM

Getting Your Business to Grow

Posted by Zulkarnai Harun Ar Rashid |

Getting Your Business To Grow - Lead Generation
  

When your business depends upon getting new leads regularly, there are some options that are open to you which can help you to achieve it, in today's technologically advanced climate, there are many businesses that tend to focus on electronic means of contacting potential customers, such as through social media or email marketing. 

Although these can effective, you should never overlook the possibility of direct mail and using those lists in order to increase the success of your business substantially. Here are some of the benefits that will be seen when you use this type of marketing and mail your list physically instead of automatically. 

Perhaps one of the most important things that need to be considered when choosing direct mail over email marketing is that the majority of people look at their mail that they get in their mailboxes every day. Of course, some people are going to toss some of the information without looking at it but a vast majority of those individuals are going to sort through it without delay. This gets your message in front of those individuals easily and, compared to email marketing, the response can be substantially higher. 

Another benefit to using direct mail is that you can specifically target groups of people that have an interest in what you are offering. It is important for you to consider this, not only when using direct mail but when purchasing the list of individuals that you will be mailing. The more focused the list is, the more likely it is going to be that you are going to see results from that list. 

Have you thought about the customization that is possible when mailing people instead of using electronic means of contacting them? When most people gather email lists, they are only going to gather the most basic information from the potential customer. When you have a mailing list, you not only have the physical address but you often have their name and perhaps some other information as well. You can use this information in order to customize the mailing which will, in turn, increase the response. This is also something that should be considered when you are gathering a list or purchasing it from the company that generates leads. 

Finally, you can measure the results of mailing those individuals in order to see if any changes need to be made to the mailing. Of course, you would always want to consider changing the copy and testing in order to increase the response. Some of the ways that you can track the response of a direct-mail campaign include sending out coupons with specific information that either needs to be filled out on your website or to be mailed back to your company. This can assist you in doing a split test as well, allowing you to easily see which is going to be more effective so that you can make those changes and send the future mailings to a larger list to increase the response.

8:32 PM

28 Ways To Make Money Online

Posted by Zulkarnai Harun Ar Rashid |

List PayDay Pro Review -easiest way to Make Money on the Internet

No doubt you've seen lots of articles already (including here) on making money about the internet. This one pulls it all together, and separates the great, unhealthy, and also the ugly, you CAN make money online, and NO, not everything out there is really a scam. 

I'm going to be updating this regularly, to want to bookmark it, and sign in monthly or so. 

things you'll need: 

1. "Read this, just for a little bit of inspiration" 

I make about $3,000 a month about the internet. Not quite enough for me and my loved ones to live on, but a nice addition to my income just the same. It's pretty easy, and pretty quick, to obtain a SMALL income stream started. It takes time and effort to construct it up. Might as well begin today. 

2. "Take stock of that which you need to offer" 

If you are a writer, programmer, designer, or photographer, you will find armloads of opportunities for you. For those who have a speciality of any type -- carpentry, raising kids, planning vacations or weddings, playing Guitar Hero 3 -- you can get taken care of your expertise. Even if you think all you can offer is time, there are many opportunities for you personally as well. 

3. "Scan the available steps" 

I've listed plenty of choices in the steps such as the following, all of them legitimate. Select the one that seems the very best fit for you personally and your skills, and start exploring. 

4. "Freelance Work" 

If you have a skill to provide, browse the various freelance sites (sometimes called "personal outsourcing"), like elance.com and guru.com (begin to see the Resources section for the links I mention). You are able to post your skills at these sites, so potential customers can check you out, and you can also look around for freelance projects that others have posted. You will find loads of opportunities for freelancers, in very varied fields. Common projects, though, are writing, computer or graphics design work, creating web pages, programming, writing brochures or reports, illustration, photography, and so on. Pay can be very good, especially after you've earned an excellent rating at one or even more from the freelancing sites. In the same time, though, remember that you're rivaling freelancers from all over the world. Have a look at the "How Elance Works" video on the main page to get a quick overview. 

5. "Try Writing Web Content" 

There are a quite a number of ways to consider your skill as a writer and transform it into cash. One of these is right at eHow. Write brief "How to" articles on any topic of your choosing, and obtain paid for the content. The greater popular the content, the greater income you may expect. A great article brings in $50 each year or more. Write 10 top-notch articles, and that is $500. A hundred articles...you receive the picture. I can't say enough good things about eHow. In my opinion, it's the best wealth creation opportunity available. Google the word 'ehow101' to learn more about how to allow it to be work. UPDATE: eHow is now run through its parent company, Demand Media Studios (DMS). If you wish to apply to write for eHow or other DMS properties, in order to be an editor, check out the freelancer's application at demandmedia.com. 

6. "Write Product Review" 

ConsumerSearch.com, a site owned by the N.Y. Times, pays freelance article writers no less than $350 per article for product reviews. That can be a sounds like good money (which is...and you can earn even more than that!), their particular make of reviews requires good research and writing skills, and takes a large amount of work. Check 'em out at consumersearch.com/jobs. 

7. "More writing opportunities" 

--At SoftwareJudge.com, write reviews of select software products...top reviews earn as much as $50 each. --Product Reviews. You might be acquainted with epinions.com, but did you know they pay cash permanently quality reviews. You will not get rich, but you can get started. --Suggest domains according to site descriptions at Pickydomains.com Get $25 for every name that's chosen. --At Xomba.com, write whatever you feel like, and collect 50% associated with a advertising income from Adsense clicks your page. --Become a fledgling journalist at examiner.com, and cover a special topic area in your neck from the woods...they pay pretty much. --Other writing sites include associatedcontent.com, firehow.com, helium.com, and Squidoo. In fact, one of my eHow colleagues has come up with a very nice Squidoo 'lens' with 101 sites where one can receive money to supply content...take a look in the Resources section. 

8. "Check out Q&A Sites" 

I earn much of my income being an online researcher, answering folks questions on everything on the planet: investments, market research, divorce law, homework help...take your pick. If this sounds like your cup of tea, here are some resources to explore: --The Association of Independent Information Professionals (aiip.org) can help you build you have Q&A website and business. I've built my research business at xooxleanswers.com, and it is a steadily growing income source for me personally. --I also work with Uclue.com Though they are not accepting new researchers right now, it's worth a look to determine how a well-developed Q&A site works. --Another Q&A site is JustAnswer, plus they offer small payments for answers to questions. 

9. "Earn money out of your own blog or website" 

The key is to generate as much traffic as possible, and to have your visitors click ads and affiliate links. The more people visiting your site, clicking on ads, and buying affiliate products, the greater income you can earn. Just like this sounds, income is generally more a trickle than a flood. But again, steadily building your site (or sites), and building traffic, is the key to generating a steadily growing stream of income. Google Adsense is easily the most commonly used service for placing banner and text ads on blogs and websites. As I've learned to maximise Adsense income through the years, I've come to recognize this as one of the best income-generating opportunities available. You can also incorporate in-text ads (the colored, underlined text with small pop-up ads). I love InfoLinks.com with this, and Kontera.com is yet another popular service. Affiliate ads usually pay whenever a sale is made for a product. Amazon.com has one of the very well-known affiliate programs that you to sell books or other Amazon products in your site or blog, and earn a cut from the sale. Other good affiliate resources are Commission Junction at cj.com, LinkShare.com, and AssociatePrograms.com. 

10. "Blog With the Best of Them" 

If you don't have a site of your own, starting a blog is fairly easy at sites like Blogger.com, and Wordpress.com. Blogs make money through online advertising and affiliate sales, such as with the Amazon.com affiliates program. Blogger causes it to be very simple to automatically place Google Adsense ads on your blog. Also, at Orble.com, you can take ownership of an abandoned blog with a specific focus, like Film, or Travel, and collect a portion from the ad revenues. The advantage of this really is that the blog is already well-represented in search engines, and can often generate a lot more traffic than a new blog of your. See Orble under the Resource links for more information...

11. "Sell your photos" 

At sites like istockphoto.com and shutterpoint.com you are able to upload still photos or videos available, and receive a royalty payment every time someone makes use of your content. 

12. "Take Online Surveys" 

I mention survey work with a decent deal of trepidation...the surveys are tedious, the pay is meager, there are many sites which are dubious, or out and out scams. Probably the most legitimate operation I know is GlobalTestMarket.com. They provide real surveys, plus they pay real money. Again...tedious, and earning requires a long, long time. CashCrate.com also pays users to take online surveys. They strike me as legitimate, but I confess, I don't have any first-hand knowledge about it, so approach with caution... SurveyScout.com is yet another possibility, but unlike CashCrate, they charge a membership fee an email psychic reading started (Boo!). I've also heard some negative feedback from users of the site, so proceed with caution (should you proceed at all!). 

13. "Teaching and Tutoring" 

Search on [ Online tutoring ] and you will uncover dozens of sites within this booming corner from the internet. Many accept applications for online tutors, with variable rates and topic areas. Two to consider are tutor.com and ehomeworkhelp.com 

14. "Check into online "Jury Duty"" 

Here's a strange one. Lawyers searching for feedback how a case will play before a jury can make use of online e-jury sites to solicit input from the kind of average citizens that show on juries. Yes, you get paid. Fees for complex cases can go beyond $50, though $20 is more typical. To function as a web-based juror, take a look at onlineverdict.com, or trialpractice.com. Be aware, though, that no sites I've registered at has ever actually contacted me for any jury case, so I'm not sure just how active these services are. If anyone knows more about them, please leave a remark in the Comments. 

15. "Become an online office assistant" 

At TeamDoubleClick, you are able to sign up for temporary jobs being an office assistant, handling correspondence, emails, bookkeeping, data entry, and other office jobs. Think of it as an online temp agency for virtual work. Pay is varied, but you are not obliged to take jobs that don't meet your financial needs. 

16. "Play games" 

At moola.com, you can get paid to play. This might be the strangest one yet, and that i can't personally attest to it (I've only tinkered using the site), however it looks legitimate. Moola starts you off giving a penny, which you'll then double, and double again, through a variety of games and activities. Presumably, they make oodles of money through ads, and therefore are prepared to throw a lot of it your way by taking part in their zany set of games and marketing gimmicks. They call themselves a "Massively Multiplayer Rewards Game". It's too complicated to explain here, but worth a look. 

17. "Participate in crowdsource design" 

"Crowdsourcing" may be the buzzword for getting many people to complete your work for you. If you are proficient at designing such things as t-shirts, logos, fancy fonts, and other graphics, have a look at the challenges at 99designs.com and threadless.com. In case your design is chosen, you can collect tons of dollars. 

18. "More blogging opportunities" 

So how exactly does $100 a month sound for writing several blog posts every week? That's what you may be paid (actual range is $84-140) if you achieve accepted as a blogger at Creative Weblogging. They're a large blog network, and appear to have mastered the art of monetizing their many sites. All they need are people to write them, and keep the content fresh. UPDATE: Creative Weblogging has changed hands and is changing how -- or if -- its smart bloggers. Stay tuned for further updates. 

19. "Earn with any type of content" 

Blogging, articles, photos, video, take your pick. Flixya offers 100% of ad revenue to anyone who posts at their website (you need to have your own Google Adsense account to sign up). Words, pictures, videos, whatever ya got. Post it, generate some traffic, and collect some ad clicks. (Haven't tried it yet myself, but Flixya includes a good reputation). 

20. "Just Visit" 

Another site that pays for content is mylot.com, but they also promise earnings everytime you use the site!. They also pay for referrals. Haven't given them a test run yet, so use them with caution, but they seem worth exploring, a minimum of. If you have experience with them, please post a comment, below. 

21. "Listen to music" 

At slicethepie.com, you can get paid for hearing music. Say what!!! Yep, listen to upcoming artists, and review their music. The more reviews you are writing -- and also the better you're at spotting new talent -- the more you can get paid. Some folks are pulling in several dollars per review. 

22. "Typing and Dictation" 

If you have good typing skills, consider Speak-Write.com, a web-based dictation service. 

23. "Stay focused" 

You can participate in online focus groups at 2020research.com, in which you review a product you've used, or discuss an issue of great interest to you. Payment ranges from about $50-150 per session. Participants are usually asked to join a group once or twice annually. 

24. "Work for Google" 

Ha, ha...couldn't resist. However, you can earn through Google by posting content at Google Knol. This online encylopedia-like site is really a place where anyone can contribute content, and you will "monetize" your time and efforts by placing Adsense ads on your article to generate revenue. I wrote a Knol about eHow. You can see it by searching for the word ehow101. 

25. "Review websites for usability" 

You will get paid for reviewing websites. Usertesting.com pays $10 per website review, where you provide feedback on quality and usability. It's not open-ended...you need to be selected to test, depending on your demographic profile. 

26. "Earn money reading emails" 

Really! Of course, there are ads involved, and also you may be asked to click some things, but it is simple enough. Be prepared to get 5-10 emails each day (more, if you register multiple email addresses), and earn several pennies per email. Check out InboxDollars.com. 

27. "Try some everything" 

Genuinejobs.com is really a legitimate work-at-home (telecommuting) site that lists countless jobs, none which require a fee, and several which can be done online. Registration is simple...worth checking out. 

28. "Write for the NY Times" 

Really! The Times owns two sites that regularly hire writers. I already mentioned ConsumerSearch.com up above, a site that uses freelance article writers to create detailed reviews of common consumer products...minimum pay is $350 per write-up, plus they do a large amount of hiring. About.com, another Times property, hires writers as guides. These positions, paying $725/month or even more, are difficult to get, but worth looking into. 

29. "And remember..." 

At the risk of repeating myself, eHow is among the most best opportunity available. Although making board through Demand Media Studios takes more work than at the eHow of old, will still be well worth the effort. 

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