Friday, February 27, 2015

Fax To Taiwan

Taiwan is one of the world’s busiest business districts. It is not only the center of a major trade and manufacturing network, but it also a hot spot for international tourism. If you have business in Taiwan, if you are planning a vacation to Taiwan or if you know someone in Taiwan then you may need to send a fax to this country. If you do, then you will need to complete a few basic steps to get your documents from your U.S. fax machine to a Taiwan fax machine.


Instructions


1. Prepare the fax that you want to send to Taiwan. Make sure you also prepare cover sheet that explains who the fax is from, who the fax is for and how many pages are included.


2. Enter the international dialing code for calls leaving the United States as well as the country code for Taiwan. The initial dialing code for a fax going to Taiwan will look like this: 011+886.


3. Complete your fax dialing code by entering the Taiwan city code and the local fax number. Here are a few city dialing codes for Taiwan: Changhua 47, Chunan 36, Hualien 38, Ping Tung 08, and Taoyuan 33. A complete fax number to a Taiwan fax machine will look something like this: 011+886+47+2522233.


4. Wait for your fax to complete its transmission before trying to send another fax or take a call on your fax line. Also, if the fax is important, you may want to call the recipient of the fax in Taiwan to confirm that all of the pages came through and that the fax was easy to read.


Extract Algae Oil

The algae that grows in stagnant water may hold a solution to the energy crisis.


Interest in the extraction of oil from algae has increased in the last few years, as people and governments seek out biofuels in order to decrease their dependence on non-renewable sources of energy such as oil, coal and natural gas. Algae is one of many natural organisms that can produce oil for human and animal consumption as well as for use as a biofuel. You need an oil press, distillery, filter and some inexpensive hexane solvent, along with time and effort, to extract this alternative energy source.


Instructions


1. Lay down plastic sheeting on the table and the floor beneath it, so that the oil dripping from the press doesn't create a slippery surface for you or the oil press. Position the oil press on the table with the exits for the oil and the algae extending over the floor. Leave one container for the oil underneath this arm of the press. Put a second, clean container under the algae exit because you'll reuse the crushed pulp later.


2. Drop dried algae chips in the worm shaft on top of the oil press. Turn on the press and feed more algae in as oil and algae pulp exit the machine. Remove and replace oil and pulp containers as needed. The oil is ready for storage as it exits. Temporarily store the algae pulp at room temperature until the initial extraction of oil is complete.


3. Put a breathing mask over your mouth and nose. The hexane used in the next steps is only mildly toxic, but inhalation can cause nausea and vertigo. It's also a skin and eye irritant.


4. Place all crushed algae pulp in one container. Add enough hexane solvent to saturate the pulp. This draws out any remaining oil in the pulp. Using hexane after pressing removes up to 95 percent of the total oil found in algae.


5. Set a container on the table. Pour the mixture slowly through a filter into this container. Discard the algae pulp caught in the filter.


6. Distill the remaining hexane and oil mixture. The separated oil can be stored with the oil removed from the algae during the pressing process.


Export Usda Meat Items

Start exporting USDA meat products.


Meat is a staple food in many cultures. From burgers in America to steaks in Brazil, there's a huge global demand for meat and a lot of money involved at all levels of the meat industry. Across the United States, there are numerous farms where farmers raise cattle specifically to export the meat abroad. When ranchers want to export meat, there are export guidelines established by the U.S. Department of Agriculture to ensure that the meat is safe for human consumption. This protects everyone: the U.S. government, the American-based ranchers and the eventual consumers.


Instructions


1. Double-check all of the lists with the USDA Food Safety and Inspection Service (FSIS) that your product, in this form, is allowed to leave the U.S., and to enter the target country.


2. Study the export requirements of the country to which you want to ship. If the country isn't listed with the FSIS, the exporter will receive FSIS Form 9060-5 (Meat and Poultry Export Certificate of Wholesomeness) without any additional commentary in the "Remarks" section. Further, the exporter is responsible for working with the importer to obtain and file any necessary documents with the FSIS and the importer's government.


3. Obtain a copy of Form 9060-6 (Application for Export Certificate) from the FSIS Inspector responsible for the exporting plant.


4. Complete the form and return it to the FSIS inspector performing export re-inspection, who will sign it and assign an identifying code. Stamp this code on each outgoing container, along with the export stamp.


5. Present the export certificate, and any certificates required, to the appropriate FSIS official for signature.


6. Keep tight hold on that signed form--it must be provided to the country of import, along with the shipment.


Calculate Just How Much Carpet Is Required

Carpets add warmth, texture and color to your home.


Carpeting comes in many textures, colors and patterns. Deciding on what type of carpet you want to enhance your room’s decor is a difficult job. The choices seem endless. Since carpeting can be expensive, you do not want to make the wrong choice, because chances are you will have to live with the decision for many years. Calculating the amount of carpet you need is the least difficult part of new carpet selection.


Instructions


1. Measure each room you want to carpet by the length and width.


2. Allow plenty of room for errors by rounding off the measurements to the nearest foot; it is much better to buy too much carpeting than to have piece together a section.


3. Write down each of the measurements on a sheet of notebook paper.


4. Use a tape measure to calculate how much carpeting is necessary in an irregular shaped room. You will measure each section separately. Figure up the amount of square footage in each area and add them together.


5. Calculate the amount needed for stairs by placing the tape measure directly on a step and measuring the width. Again, round off the number of inches to the nearest foot. Measure the risers and jot down the figure. Count the number of steps to the top of the stairway and multiply this by the width and length.


Jasmine Plant Information

Single-petal jasmine flowers


Jasmine plants are a symbol of peace and purity, used in many religious ceremonies around the world. This plant is predominately grown as a vine that attains 8 to 10 feet in length. Jasmines exude a beautiful fragrance and are excellent landscape plants, with delicate, white flowers and rich, green foliage.


History


Jasmine is the national flower of the Philippines, Indonesia and Pakistan.


Jasmine is a genus with more than 300 species which originated from Persia, China and India. Most of the flowers have beautiful fragrances from white, off-white or pale yellow flowers. Plants are hardy or tender, evergreen or deciduous shrubs, or climbers.


Jasmine plants are grown for their attractive fragrant flowers, both indoors and outdoors and for floral arrangements. Jasmine is extremely important to the perfume industry, with an annual world production of 12 to 15 tons. It's cultivated primarily in Egypt, Morocco and India, with smaller quantities coming from China, Italy and France.


Grafted plants that are 2 years of age are cropped for flowers in July through October. Flowers reach their peak fragrance (odoriferous molecule content) from August through September.


Cultivation


Jasmine flower buds


Cultivating jasmine is a simple process of planting semi-hard wood cuttings, softwood cuttings or layering. Cuttings should be planted 6 inches deep in well-drained soil that is composted to retain moisture. Healthy plants can be achieved with lots of sunshine, manure and frequent pruning.


They require a sturdy trellis for climbing and weeding on a regular basis. Jasmine plants should be fed phosphorous and potassium after the annual pruning and again in June and July. Pinching off the tips of the plants will increase lateral growth and not require as much pruning.


Tea


Different varieties of Jasmine blossoms come in yellow.


Jasmine flower tea is made from Jasminum sambac flowers, which are cultivated in Taiwan and the Fuiian Province in China. It is a mild tea that is refreshing and has many medicinal properties as well.


According to ILoveIndia.com, research and studies indicate that this type of tea has antioxidants that destroy free radicals that cause cancer and will slow the growth of cancer cells. It boosts the immune system and prevents accumulation of bad cholesterol.


Jasmine Oil


People enjoy refreshing tea made from leaves and petals.


Oil is extracted from fragrant blossoms and used in many different industries. It can be found in several perfumes, cosmetics and soaps. Processing pure essential oil from jasmine blossoms requires many flowers, making it very expensive and rare. The best oil is made from blossoms harvested during the evenings when the scent is at its strongest.


Jasmine oil is beneficial for skin problems, including sensitive skin, or dry, chapped or irritated conditions. The oil fragrance is often used in shampoos, creams and a variety of oil skin products.


Medicinal


Jasmine flowers are harvested at their peak for the perfume industry.


Flower buds help to treat eye disorders, skin diseases, boils, ulcers and remove intestinal worms. Jasmine oil is considered to be a calmative and an aphrodisiac. Roots are used to treat pain from broken bones and dislocated joints. Insomnia and headaches are also treated with jasmine roots.


Leaves and roots are used to treat coughs, sprains and muscle spasms. Labor pains, uterine disorders, nervous exhaustion and depression are all treated with jasminium species.


Explain The Implementation Methods Of Erp

ERP, which stands for Enterprise Resource Planning, is tightly associated with software suites that include integrated business applications such as payroll, finance, order processing and other modules used to manage organizations.


Implementation of an ERP system is more complex than stand-alone software in that all applications must share information, data definitions and rules. They also need to coordinate business processes. There are many approaches to ERP implementation, but they should all contain some key elements.


Instructions


1. Review the phases of an ERP project. These are Plan, Discovery (or Analysis), Design, Build (or Develop), Test, Train and Deploy. Each is important, and they often overlap during the project lifecycle.


2. Show components of the Plan and Discovery phases. Setting project goals, assembling a team, and discovering functional and technical needs of the organization are the most important components of these phases.


3. Describe how the Design phase compares software functionality to the business requirements found during Discovery. This is often referred to as Fit/Gap analysis. The Design phase also defines how you will configure the system to meet those needs. If needed, write specifications for additional programs or customizations.


4. Describe tasks performed during the Development and Testing phases. This is where the software is configured, programs are written, data is converted, and the system is tested on multiple levels. Testing is done on individual components (Unit testing), and on the system as a whole (Integration testing).


5. Talk about the importance of the Training and Deployment phases. Emphasize the element called "Change Management" being the preparation for your organization to move to new business processes as well as the software usage. Once deployed, monitor the system as well as the business processes that may need to be altered along the way. It is important to know that Deployment is not a phase that ends--systems need continuous care and maintenance after they have been implemented.


Explain Buying Energy Parity

Purchasing Power Parity (PPP) is an extension of Adam Smith's concept of "market equilibrium." It is a theory that the value of a currency should be determined by market forces, not governments or other interest groups. "Parity" in this theory is another word for equilibrium, or the "equality" of value relative to goods that can be bought.


Instructions


1. Use the example of two countries. Using more would be confusing. Talk about goods moving between China or Japan. If there are no impediments to trade, the value of a movable good in Japan would be identical to that of China, if measured in a single currency. PPP is purely theoretical, since there are always barriers to trade, transportation costs and other sources of trade friction.


2. Lay out the concept of market equilibrium relative to the two countries being analyzed. Assuming no sources of trade friction, there would be no rational reason to have a good made in Japan worth more in China using the Japanese currency, the Yen. The good might cost more in China relative to Chinese incomes, but that would just suggest that the standard of living in the two countries is different -- not that the value of the good is the same. PPP treats different standards of living as "trade friction" or distortions in trade.


3. Use a clear and simple example. Presume Japan wants to sell one television in China. Next, assume that 1 Japanese yen is worth 2 yuan. In the PPP theory, the television, if it is worth 10 yen in Japan, must then be worth 20 yuan in China. The fact that 10 Yen in China might be the worth of an entire month's salary in China does not matter, as far as PPP is concerned. But this is rarely the case due to manipulations of currency, political pressure on the money supply, bank policy, trade barriers and other sources of price distortion. Use this example throughout the discussion, since PPP can be very abstract.


4. Describe a realistic situation, in which it is entirely possible that the 10-yen television might be worth 30 Yuan in China. Removing all other sources of trade distortion, the reason is that the Chinese yuan is overvalued. Therefore, Chinese exports will increase since they are worth less in Japan. The concept is used to determine -- once all other variables have been accounted for -- how manipulative bank policies can either hurt or help trade relative to currency values.


5. Connect all the above concepts together in explaining the concept of exchange rate values. For example, 1 yen from Japan is supposed to be worth 1 yen in China. This is never the case, but PPP is a theoretical measure to describe trade distortion. If 1 yen in Japan is worth 2 yen in China, this can only mean---all other variables being equal---that the yuan is overvalued and hence distorts the yen value in China. This then distorts Chinese prices relative to their exports, since the 2 yen Chinese good is worth 1 yen in Japan. If this is the case, then the Japanese would gobble up Chinese exports since they would sell for half of the Japanese-made good.


Evaluate The Price Of Advertising

Evaluate the Cost of Advertising


Advertising helps build an audience for your product or service, and allows you to communicate to that audience in a cost-effective way. Evaluating the cost of your advertising campaign, both before the purchase and after, can help you understand what you are getting for your money. Then you can show the owner of the company, your boss or your shareholders that the cost was worth the outcome. The cost per thousand (CPM) formula is one of the core formulas that will help you evaluate the true cost of your advertising.


Instructions


The CPM Formula: Pre-Purchase Evaluation


1. Line up the advertising proposals that you have received and get out your highlighter.


2. Highlight the total cost of the advertising and the number of impressions or distribution of the advertising medium.


3. Write down the cost per thousand formula (also known as CPM). CPM= Cost of Advertising/(Impressions Generated/1,000). This formula will help you evaluate how much the advertising medium costs, based on how many people the advertising will reach.


4. Use the CPM formula by putting the numbers that you highlighted into your calculator as follows: Divide the number of impressions or distribution of the advertising medium by the number 1,000. Take this number and divide the cost of your advertising by it.


5. Complete your formula according to this example: Suppose you are buying a page in a magazine where your advertising cost is $20,000 and the magazine delivers 2,000,000 in circulation. Divide 2,000,000 by 1,000. You get 2,000. Then divide your cost of advertising, $20,000, by 2,000. You get $10. The magazine charges $10 per 1,000 people to whom they distribute your ad.


6. Review your final result. This number is the amount of money that the advertising costs per 1,000 people that receive the medium you are advertising in.


7. Calculate this formula for every proposal that you received. At its most basic level of analysis, the proposal with the lowest CPM is your best advertising deal.


Title My Flyer

Relevant and eye-catching titles should be used for all your promotions.


A flyer is a promotional leaflet that is distributed by stores or individuals to promote their products or services. The flyer might be introducing a new product, announcing an upcoming event or a gig for a local band. Titling a flyer should be done in two steps: First, create an appropriate, eye-catching and memorable title; secondly, add the title to the flyer document by using a word processing or desktop publishing program.


Instructions


Creating the Title


1. Create a title for your flyer that's attractive and eye-catching. Flyers should grab a people's attention and encourage them to pick one up and buy into the promotion or advertisement. Think up a title by using words like "save", "discount" and "bargain" for store promotions and try to implement words such as "free", "best" and "discover" for gigs or promotions.


2. Create a title that isn't too cryptic or conceptual. If your title does not tell the reader what the flyer is offering they might throw it away before reading or ignore the flyer altogether. A flyer for an herbal store called "Drink Away Your Illness" will not catch a person's eye as much as one titled "Save $10 on Green Tea In-store Today!"


3. Name the flyer something memorable. Short and catchy words are much better than long complicated ones -- remember that people might misplace their flyer or tell a friend about it without the flyer to hand. Alliteration should help make a title more memorable, for example: "Sixty Dollar Store Savings this Sunday".


Adding the Title to Your Flyer Document


4. Add the title to your flyer document by using a word processing or desktop publishing program. Both types of program allow users to insert information, using the insert text tool. Insert the title at the top of the flyer document because this is where most people will look first when they pick up the flyer.


5. Make the text big, bold and colorful. Do this on your desktop publishing or word processing program by using the font's format function. Use contrasting colors against the background (for example, black and yellow or red and white) and make the title bold and italicized if necessary. Also use a typeface that displays the title clearly and is easy on the eyes -- a sans-serif font like Arial is a great choice.


6. Insert the name of your band, organization or business directly underneath the title so that the public will relate the event with your brand, name or image. Do this by using the desktop publishing or word processing program's insert text function.


Thursday, February 26, 2015

Estimate House Painting Costs

Painting your house is a quick renovation that many homeowners undertake. But many homeowners simply decide on the color of paint and then guess on the amount they will need In order to save time and money, you can owner to calculate costs and amounts of paint and primer. Estimating how much you will need is not difficult or time-consuming.


Instructions


1. Measure the surface area to be painted. Measure both the length and the width of the surface.


2. Multiply length times width of the surface area, this will give you square footage. Combine the square footage of all surface areas--ceilings, walls, floors and trim.


3. Choose a paint and color. Remember that your paint surfaces will also need to be primed. Paint has a chart on the side of the can that will tell you how much square footage the can will cover.


4. Divide the total square footage of surface area to be painted by the coverage capability of one can. This will give you the total number of paint cans necessary to paint the surface area. Keep in mind that you will need the same amount of primer as paint.


5. Multiply the cost of one can by the total number of cans and you will have the cost of paint and primer. Also account for the cost of painting tools: roller refills, roller and handle, brushes, tape, and roller pans. Many of these items are reusable, so they are a one-time cost for the first room you paint.


Estimate Food For Any Have a picnic

Make an accurate estimate so everyone at the picnic leaves full.


Avoid overspending and running out of food early at your next picnic by making an accurate estimate. When preparing large quantities of food to feed a crowd, the costs can add up fast. Shopping for the right amount of food for a picnic keeps the bill lower so you can afford higher quality products. There are a couple important factors to consider when adjusting the standard per-person portion to meet the needs of your picnic group.


Instructions


1. Review the guest list and write down the number of big and small eaters in the picnic group. Kids under 10 and adults over 60 are usually considered light eaters. A work-related picnic may be all average age adults that would fall into the big eaters category. Make exceptions to these generalizations based on your knowledge of the individual guests.


2. Determine the percentage of big eaters that are attending the picnic by dividing the number of big eaters by the total number of expected attendees. A work-related picnic may be 100 percent big eaters. A child's birthday picnic may be as low as 20 percent big eaters.


3. Multiply the total number of attendees by one to get an initial food weight estimate in total pounds. A picnic with 100 guests will have an unadjusted estimate of 100 pounds of food.


4. Increase the total food weight estimate by 20 percent on picnics with a guest list showing 70 percent or more are big eaters. Decrease the total food weight estimate by 20 percent on picnics with a guest list showing 30 percent or less are big eaters. Leave the estimate unadjusted if the number of big eaters falls between 30 percent and 70 percent.


5. Write down the total adjusted estimate, and circle it. Approximately 40 percent of this total weight will be divided between two or more protein choices like beef, pork or fish. The remaining 60 percent of the total weight will be in vegetables, salads and other side dishes.


6. Take these numbers with you when you shop, and keep a running total of the food weight purchased. Buying a little more than you will need is better than buying any amount less than you need.


Establish Ethics

Establishing ethics by using a committee can simplify the process.


Establishing a code of ethics can be challenging for any business organization. The multicultural nature of the business world makes it difficult to establish a universal ethics system that does not challenge or run completely contrary to the ethics of workers, clients and potential business partners. A presentation on the University of Auburn website notes that the reputation of a business is closely tied to its ethics system. Properly done, a code of ethics can serve as a source of motivation for all involved.


Instructions


1. Establish a committee to determine the ethics guidelines. Trying to establish an ethics code on your own can be a frustratingly cumbersome process. An ethics committee should consist of several different representative points-of-view. By having a committee determine what the major ethical guidelines will be for your organization, you can help ensure that these mandates do not violate the basic rights of individuals you work with or those that work for you.


2. Apply the "Golden Rule" as the standard by which your guidelines are established. This is the idea that ethical behavior involves treating others in the same manner that you would prefer they treat you. By making this the standard by which you establish the remainder of your ethical guidelines, you can ensure that employees and colleagues make decisions with other people in mind besides themselves. This attitude of selflessness can have a contagious effect and boost the morale of everyone in the organization.


3. Establish a system for educating employees about ethical guidelines. Educating employees regarding expected standards will assist you in ensuring that employees not only what they should do but also how they should do it as well. Teach employees to ask a series of questions when faced with an ethical dilemma. Questions to ask can be those related to the action's legality, how it will make the employee and other employees feel as a result of the action and where employees should go to ask further questions when faced with an ethical problem.


4. Codify your ethics by putting them into print and making them available for all employees. Ethics guidelines should be readily available to employees so that they can utilize them as a reference guide whenever they need to. Require your employees to read the guidelines in their entirety. You can give them a quiz or examination afterward to reinforce learning and to ensure that they fully understand the requirements.


Resolve Office Conflicts

Resolve Office Conflicts


In every office, there are numerous unique personalities. Because of this, it is almost a guarantee that there will be conflicts between coworkers. Most disagreements will be worked out between staff members without any need of intervention. However, there may be circumstances that call for the involvement of management or a human resources specialist. Knowing in advance what to do to settle such differences will benefit your entire office in the long run.


Instructions


1. Speak to both parties at the same time, so that there can be no accusations of favoritism. State that you are impartial and simply there to mediate and hear both sides of the issue. If you are in management, you may want to ask a third party to come in as mediator so that you can listen and make a final decision if necessary.


2. Call out instigators on the spot. If you notice someone talking behind a coworker's back or acting in another manner that is not beneficial to your company, do not let it slide. This is especially important if the employee displaying such behavior has a history of initiating problems.


3. Ask questions without making accusations. Saying something like, "You seem stressed out, and I am concerned about you. Can you tell me what you feel is happening?" lets your staff member know that you care what is happening and want to help. This means he will be more likely to listen to your input and not immediately put up his defensive side.


4. Discover any underlying issues. If employees are arguing over use of the copier, it is likely that there is something more going on. By resolving a deeper conflict, you might deter future disagreements.


5. Request thoughts and suggestions from both sides as to what they each believe will solve their respective differences. Set a deadline for the resolution and offer compromises.


Service P Pool Filters

Pool filters need occasional servicing to clean water effectively.


Diatomaceous earth (DE) is a white, powdery substance that filters out impurities inside pool filters. DE is available at pool supply stores in 10- and 25-lb. bags for refilling a filter after cleaning. Servicing a DE pool filter involves turning off the pump, washing the inside components and replacing the dirty diatomaceous earth with a fresh supply inside the filter.


Instructions


1. Unplug or turn off the swimming pool pump.


2. Grasp the air relief valve on the top of the filter and turn it counterclockwise to open it. This lets any trapped air in the system release from the filter. There is a hissing sound as it escapes the filter.


3. Turn the T handle on the backwash valve about ½ turn counterclockwise to open the valve. The backwash valve is on the bottom of the filter body.


4. Place adjustable pliers on the bellyband nut in the center of the filter. Turn the nut counterclockwise to loosen. Pull both washers and the nut off the bellyband and set aside. Open the bellyband, pull it straight off and set it aside.


5. Place a large flat screwdriver in the middle seam of the filter. Pry the top and bottom halves apart and pull the top half straight up and off.


6. Grasp the metal grids with one hand while holding the filter body with the other hand. Pull the grids straight up and out.


7. Place a high-pressure nozzle on a garden hose end. Turn the garden hose valve completely counterclockwise to the on position.


8. Hold the metal grids in one hand and spray a high-pressure stream of water on them to clean the grids. Turn the grids over as needed to spray all DE off the grids. The grids will turn a bright white when they are clean and the water will run clear off the grids.


9. Set the grids back in the bottom of the pool filter.


10. Add DE to the filter according to the amount listed on the side of the filter for the specific filter size.


11. Press the top of the filter onto the bottom half and push down until it clicks into place.


12. Place the bellyband around the center of the filter. Slide a washer on the bellyband nut and thread it through both halves of the band. Place the second washer on the bolt threads protruding from the back of the screw holes.


13. Tighten the nut hand-tight, turning clockwise. Tighten the nut fully with an adjustable wrench.


14. Turn the T handle on the backwash valve about ½ turn clockwise to close the valve.


15. Grasp the air relief valve on the top of the filter and turn it clockwise to close it.


16. Turn the pool pump to the on position or plug it into the electrical outlet.


Easy Startup Companies

If you're thinking of starting a business, there are several that can be started right away with little or no money up front.


Become a Consultant


If you are knowledgeable on a particular subject, you can share your knowledge with others. A consulting business can be run from home and takes little money to start.


Sell through Online Auctions


Online auctions are big business. It is simple and easy to sign up for an online auction account and start selling either your unwanted personal items or specific niche items. This business does require a bit of research to get started, but is fairly easy to start up.


Day Care


While this business does usually require a person to obtain a license and has strict regulations, it can be a fun and rewarding business for people who love kids.


Grant Writing


If you are good with words and knowledgeable about grants, you can easily start a business helping other businesses and organizations obtain funds through grants.


Party Sales


Home parties are becoming hot again and a potential business owner is no longer limited to perfumes and plastic kitchen storage as business options. Today, there are hundreds of home party companies to choose from and most make it easy and affordable for new consultants to get started.


Enjoy Shanghai Night life

The nightlife in Shanghai is both notable and notorious. The "Paris of the East" is the bustling capitalist center of China's booming economy and the nightlife of the city offers every level of enjoyment from the sophisticated to the seamy. Shanghai is the most exciting city in China, and the nightlife in Shanghai shines as brightly as its skyline.


Instructions


1. Start a great night in Shanghai by visiting the fantastic Nanjing Shopping Street. The energy of the bustling pedestrian-only street wakes up the senses. There are over 600 shops with great deals all around. Shopping is more of a sport in China than in western cities, so try to barter, unless in a department store.


2. Find a great place to eat. Restaurants abound in Shanghai. One of the favorites with visitors is Three on the Bund at 3 Zhongshan **** Yi Lu (see below). With the right amount of cash the Xintiandi neighborhood (Lane 181, Taicang Lu) abounds with upscale and casual dining. Ask the hotel staff for some recommendations, as new places open in the city every day.


3. Enjoy bar hopping in Shanghai. The city has hundreds of bars, pubs, discos and nightclubs. Taxis are cheap, but traffic may slow down the more ambitious pub crawler, so it is best to concentrate the evening's activities in one district.


4. Finish off the night with a walk along Shanghai's world famous Bund area. Thousands of people come down to the river area to marvel at the European style architecture and contrast it with the spectacular views of the ultra-modern Pudong area across the river, which rises like a glowing neon science fiction cityscape.


5. Enjoy a few local snacking favorites to rejuvenate the morning after a long night. Shanghai cuisine is a blend of all of China's great regional cuisines. In China, the grab and go breakfast of choice are stuffed buns. Nanxiang Steamed Stuffed Buns have a thin wrap with flavorful tender meat (shrimp in summer, crab in winter). Fried stuffed buns are a local favorite.


Proceed To Italia On The Student Visa In The U . s . States

Obtaining a student visa is easy as long as an Italian or Italy-based university has accepted you as a student and you can prove you have have money to support yourself. You may need to provide proof of health insurance, a bank statement showing you have enough funds to live during your stay and a letter of acceptance from your university to the embassy or consulate.


Instructions


1. Obtain proof that you've enrolled and been accepted to an Italian university, along with a schedule of when your classes begin and end. This should be either with the official seal of the university or a signed and notarized copy from the school.


2. Ask your health insurance company if your insurance will cover you if you're in Italy. When you know it will cover you, get proof of your health insurance


3. Gather your recent bank statements and/or proof of income. You must prove that you have the financial means to support yourself while you're studying in Italy.


4. Take your information to your local Italian consulate, and you will be told if you have everything you need.


5. Fill out your application with the Italian consulate and you should receive your visa.


6. Check in with the local police when you arrive in Italy to register your arrival with your student visa. This will make Italy your legal residence for one year.


Wednesday, February 25, 2015

Florida Predatory Home Loan Law

Florida law prohibits predatory lending.


The Florida Fair Lending Act, sometimes referred to as the Predatory Mortgage Loan Act, was passed by the Florida legislature in 2002. The Act was passed to stop predatory lending practices such as offering easy access to loans to people who could not afford to repay them, using high-pressure sales tactics, charging outrageous fees and demanding unaffordable payments.


Background


According to the South Florida Business Journal, Florida was experiencing a speculative real estate bubble until 2005, fueled in part by predatory lending practices. The Journal states, "at the peak of overvaluation in the fourth quarter of 2005, there were 52 markets that IHS Global Insight considered to be extremely overvalued and 85 more that were significantly overvalued. Not surprisingly, these metros crashed hard when the real estate market collapsed," the report noted.


Purpose


Florida legislators felt that predatory lending practices were involved in the real estate bubble and that this could result in massive foreclosures. The Fair Lending Act was passed to stop the selling of unsustainable mortgages and mitigate foreclosures. According to CNBC, Florida has the second-highest foreclosure rate in the nation after Nevada, with one out of every 155 households in foreclosure.


Previous Practices


One of the practices addressed in the Act is the repeated refinancing of homes for equity loans to pay off debts. The bill states that the fees and points charged for the refinancing gave immediate income to the creditor, and as long as any equity remained in the home the creditor could benefit by pressuring homeowners to refinance. The many closing fees, higher payments and loss of equity led to foreclosures.


Prohibited Practices


Practices prohibited by the Fair Lending Act include balloon payments maturing in less than ten years, extending credit regardless of borrower's ability to repay and charging prepayment penalties for longer than three years. Also prohibited is increased interest on loans going into default, calling a loan due without cause and charging late fees in excess of 5 percent of the payment.


Disclosures


Lenders are required to disclose, at least three days prior to closing, that borrowers could lose their home in the event of a default and that interest rates may vary. If borrowers are refinancing to pay debts, they must be advised to consult a credit counseling agency about refinancing their home and that they do not have to go through with the loan, even if they have filled out an application. Any changes in loan terms require another three-day disclosure period.


Encourage Suggestive Behavior

Human behavior can be influenced, encouraged and altered. It is fluid in all human beings. Society influences attitudes, values and ethics, but people are the number one reason a person's behavior changes. In order to encourage suggestive behavior you need to be authoritative, persuasive and coercive.


Instructions


1. Know what it is you want before you try to alter someone's behavior. You need to have a clear picture of what it is you want to suggest.


2. Tell the person you want to encourage why suggestive behavior is needed. The person needs to hear the "why" in a positive way.


3. Make whatever you want suggested personal. In order to be successful in your desire to encourage suggestive behavior the "why" must correlate with your own personal experience.


4. Enforce and encourage suggestive behavior. Reinforcement is the key to success. Continuous conversation about the "why" will make your ability to encourage suggestive behavior easier.


5. Assess the progress of your encouragement. As will any attempt to suggest a change in behavior, there needs to be assessment. Always have a plan B just in case.


6. Investigate and intervene if necessary. In order to encourage suggestive behavior, you need to be aware of your plan's progress. If the first way you choose to encourage suggestive behavior does not work, alter your course.


Careers For Social Work Majors

Though social worker is obviously the common profession a social work major will pursue, it is a broad field with many career possibilities. If you enter this field, you will gain skills and knowledge that will enable you to qualify for several positions.


Social Worker


While many agencies require that social workers hold a master's degree in the field, others are willing to hire someone with only a bachelor's degree. Being a social worker requires excellent communication skills and the ability to understand government programs and other private resources to make solid client referrals.


Employment Counselor


An employment counselor helps the unemployed find work or the employed advance their careers. The counselor examines the counselee's skills, attempting to either identify potential fields to enter or even to directly help find a job. State governments hire many employment counselors but private organizations employ others. Like social workers, employment counselors must be good listeners to identify needs.


Child Welfare Worker


A child welfare worker is responsible for ensuring that guardians are properly taking care of their children. Often employed with child protective service agencies, child welfare workers may be responsible for evaluating a child's home life, then deciding whether state intervention is necessary. As with social workers, child welfare workers will often conduct interviews, including both the child and the child's family.


Alcohol and Drug Counselor


Social workers often deal with people who have substance abuse problems, responsible for helping them get admitted into treatment programs. Sometimes, social workers will choose to specialize in the treatment of this type of client and become drug and alcohol counselors. These counselors help clients develop strategies for staying off substances and aid them in other areas of their lives perhaps impacting their substance abuse.


Get Free Nonprofit Organization Advertising

As a non-profit, fundraising is essential not only to cover operation cost, but also to provide resources for the community or cause for which you are working. Advertising is expensive because you have to pay for design, materials and airtime (if applicable). If you're a non-profit organization looking to promote your company through advertising, you may want to partner with advertising companies that do pro bono work.


Instructions


1. Create a proposal to send out to advertising agencies. This proposal should include a short statement about your organization as well as information about the specific project that you want to promote through advertising. Lay out what this partnership would mean for your organization and the results you expect. This will give the agency an idea of the magnitude of your organization and project, and help them determine if they can do the work.


2. List the benefits the advertising agency can receive, such as company logo placement in promotional materials, recognition at a gala dinner, or a receipt for their tax-deductible gift to your organization. Depending on your organization, you can also leverage your network and visibility in the community to entice the advertising agency into helping you with free advertising.


3. Ask people you know who may have a contact in an advertising agency. Whether it's an employee, alumni, community member or someone from another non-profit, reaching out to your network may score leads. Get a feel for the advertising agencies that are out there.


4. Contact agencies and be sure to mention a connection if you have one. Many advertising agencies understand the value of doing pro bono work as it positions them as a socially responsible agency, and because partnering with a non-profit organization can lead to other projects through networking and referrals.


5. Create a contract between your organization and the advertising agency. Even if it's pro bono work, it's important to have a contract stating the objectives and expectations of each party. Also, since the advertising agency is doing this service for your organization, be sure to match that service by contributing with idea development, following up promptly, and abiding by any benefits you may have promised them.


6. Consider other partnerships such as online advertising to supplement your advertising needs. Google Grants is a program created by Google to help non-profit organizations by providing in-kind advertising for their website. When people search on Google, non-profit ads that are relevant to the search will appear on the right sidebar, enabling Google users to connect to the non-profit organization.


Earn Extra Cash With Ppc Advertising

Pay Per Click (PPC) is a form of Internet advertising where a website owner displays an ad that links to another website. The website owner is paid every time the ad is clicked by a visitor to the website. There are two main ways to make money through PPC advertising: if you have a website that promotes a product or service, you can use a PPC campaign to bring more traffic to your website; or, if you don't have a product or service to sell, you can develop a website that displays PPC ads and be paid for each visitor click.


Instructions


Launching a PPC Campaign


1. Decide what you want to accomplish with PPC advertising and how much you want to spend.


2. Choose a PPC platform. Most advertisers focus on Google AdWords, Yahoo! Search Marketing or Microsoft Bing Ads.


3. Create a list of keyword phrases that are relevant to your business. For example, if you are selling bicycles, your keyword phrases might be "racing bikes," "road bikes" and "mountain bikes."


4. Create an account on the PPC platform and enter information about your keyword phrases, your budget and the landing pages that users will be directed to when they click on your ads.


5. Create the wording for your PPC ad. Use compelling text that will make readers want to find out more about your business.


6. After your ad goes live, use a Web analytics tool like Google Analytics to make sure everything is working properly and to measure your results. Be prepared to tweak your budget and keywords if you're not seeing the results you want.


Hosting PPC Ads


7. Set up a website where you can display PPC ads. If you already have a website, make sure your hosting company allows PPC advertising.


8. Register for a PPC program. Google AdSense is the most popular, but there are many others, including BidVertiser, adBrite, 7 Search and Infolinks. Do some research to decide which program is the best fit for your earning goals.


9. Most PPC programs operate in the same way. Once you have registered and entered the URL for your website, you'll receive an ad code that can be pasted into your website's HTML. This ad code will trigger the display of PPC ads that will be related to the content on your website.


10. In order to make money on PPC ads, you'll need to attract website visitors. Add original content in the form of articles, blog posts or videos to your website.


11. Most PPC programs provide reporting tools to monitor your earnings. Be prepared to adjust the content of your website on a regular basis to attain a higher search engine ranking and attract more visitors.

Drive Traffic Towards Your Blog Or Website Using Youtube Video Reactions

Internet Marketing with YouTube Video Responses


If you're not using YouTube to market your website or your blog, you should be. You will drive traffic to your website or blog in no time if people like your videos. But even better than getting your own video views doing what you do with your videos, why not leverage the power of someone else's popular videos to get your videos even more traffic? Increased traffic to your videos means increased traffic to your website, which means increased business for you. Increase your traffic and you will make more money with your website.


Instructions


1. Create a video related to your niche and post it on YouTube.


2. Search YouTube for popular videos in your niche. You're looking for other people, your competitors, who are basically doing the same thing you're doing. The difference is, you're looking for people who have a ton of video views. Views in the 10,000 are good. If you can find someone in the 100,000s - fantastic!


3. Watch the video your competitor created. The reason for doing this is twofold. You can only make an intelligent comment / response if you have watched the video. But even more importantly, you can learn from your competition. There is something about that video or the person doing the video that makes them successful. See if you can harness some of that popularity and change what you're doing to make your business more successful.


4. Sign in to your YouTube account.


5. Create your video response. You can do that down below the video just above where people post comments. Choose "post a video response."


6. Add your video to your video response. Click the link that says, "Choose a video." Remember, you must already have uploaded the video to your YouTube account. You cannot grab a video off your computer and post it as a video response without first uploading it to YouTube.


7. Choose the button that says, "Respond with this video." Your video will now appear as a response to your competitor's popular video. Your traffic will increase if you post relevant video responses on other people's videos.


Dress As An Upper Class Professional

Appropriate dress can give an impression of an organized person.


It may seem unfair to judge a person by what she looks like and how she dresses. After all, many gifted people do not dress conventionally, particularly people in the arts. However, for those working in business, or in many other fields, certain conventions still apply. First impressions count, and it is relatively easy to get this right. Classic dress will not turn you into something you are not, but it will smooth your path in the professional world.


Instructions


Ways to Dress Like an Upper-Class Professional


1. A man in a suit creates a professional image.


Choose your wardrobe carefully, employing the services of a style guide, if this is something you can afford. Buy some classic items of clothing, in black and classic dark colors such as burgundy (for a woman) grey, dark blue. Buy a minimum of a dark suit (trouser or skirt, for a woman), a belted trenchcoat or raincoat and white shirts. Women should have a dark dress, and men should choose some linen and cotton ties.


2. Buy the best fabrics you can afford, even trying resale shops, where you can sometimes find good quality clothing at a reasonable price. Do not be too swayed by brand names, as preoccupation with these can create the wrong impression. Choose quality over trends. Try to buy good quality shoes, which should always be darker than the hem of the trousers or skirt.


3. Show some signs of originality in a subtle way, for instance in a pretty scarf. Wear jewellery carefully, avoiding wearing too much, or anything which is too distracting. Invest in leather bags and brief cases, as these look classic. A woman may wear a dress at work, preferably in a block color. Avoid prints or over-fussy designs.


4. Look after your clothing well. Hang up suits, trousers and jackets after wear. Put shoes in shoe trees. Brush and dry clean clothing regularly. Update your wardrobe at least once a year. Pay attention to your personal hygiene and grooming.


Draw An Easy Map

Occasionally it comes in handy to know draw a simple map. Whether you're including it in party invitations or advertising a yard sale, a simple, straightforward map can assist people who wish to attend your event.


Instructions


1. Familiarize yourself with the map's central location. Know the entrance and exit routes from every direction. This is easy to accomplish when the map is in your hometown.


2. Draw the map facing north. Most maps depict North at the top of the page. By adhering to this standard format, people reading your map will not develop confusion because of the directions. Even if attendees travel East and West, North belongs at the top of the map.


3. Keep the map as close to scale as you can. For optimum accuracy, a two-mile stretch of road must look twice as long as a one-mile section.


4. Display landmarks to assist travelers who are unfamiliar with the location. Large, easy to spot markers such as buildings, water or radio towers are often easier to follow than road signs.


5. Give street names for roads en route, and add estimates for distance. This helps people reading your map know their progression during the trip so they can plan their arrival in a timely fashion.


6. Describe the end location rather than simply giving an address. For example, "House number 415" is more difficult to spot than "the two-story green house at the end of the cul de sac."


7. Show overshot landmarks to keep drivers from wandering too far out of their way. For example, "If you reach the bridge, you've missed our house by ? a mile." This small consideration can save a great deal of aggravation for your guests.

Tuesday, February 24, 2015

Draft Sales Contracts

A sales agreement is known as a bill of sale.


A sales agreement is known as a bill of sale. The bill of sale indicates a transaction between a buyer and a seller that is agreed upon by both parties and it proves that the buyer is the new owner of the item sold. A sales agreement includes the transaction location, the parties to the contract and sale price, a description of the sales item, a right-to-sell statement and a concluding statement by the seller.


Instructions


Drafting a Bill of Sale


1. Write the location of the sale at the top of of a page. The location includes the city, state and county where the sale occurs.


2. Write a statement identifying the parties to the contract and sale price in the first paragraph. This statement says that the company or sales representative accepts a specific purchase price from the buyer. This statement should include contact information for the company or representative and the buyer's contact information. Contact information should include address, postal code and phone number. This statement should indicate the currency of the purchase price and how payment is structured. Payment structure may depend on whether the agreement is absolute or conditional. Absolute sales agreements indicate a complete transaction, but conditional agreements may transfer property to the seller as collateral until the full sales price is paid. Conclude this paragraph by indicating a subsequent description of the sale item with, for example, a colon punctuation mark.


3. Write a complete description of the sale item in the second paragraph. The description may include the make, model, color, serial number, registration number or any identifying marks, numbers and characteristics.


4. Write a statement of the seller's right-to-sell in the third paragraph. This statement says that the seller holds the title and has the legal right to sell the property. This statement indicates that the seller guarantees the title to the property is not limited in any way by, for example, mortgages, lease, liens and other restrictions and states that the property is sold.


5. Write a concluding statement with the full date of the transaction in the last paragraph. This paragraph may include a statement that protects the seller by indicating that the seller believes the buyer is the same person that paid for the sales item and that the buyer agreed to the contract.


Draft Business Letters

A recipient should be able to quickly scan your business letter for the information she needs.


Business letters need to be accurate, concise and error-free. The old business adage "time is money" aptly describes business writing: the more time people spend reading and understanding business communications, the less time they have to make money. In business correspondence, transparency equals efficiency. The meaning of a sentence should become clear as a person is reading it; rereading wastes time. Ensure clarity, conciseness and organization by drafting your business letters before you write them.


Instructions


1. Jot down the characteristics of your audience. Who your audience is affects the tone, style, length and diction of your business letter. If the recipient works in the same field as you, you can safely use terms specific to your line of work, knowing he will understand. If the letter is to a client, however, avoid technical vocabulary unfamiliar to him.


2. Write down the needs of your audience. You can construct your business letter one of two ways, with a direct approach or an indirect approach, according to "A Concise Guide to Technical Communication." Write most business letters as directly as possible; if a person requires specifications or instructions, a direct approach is suitable. However, if you are conveying bad news, an indirect approach is more appropriate. For example, if you are informing a client you will be raising fees, letting an employee go or denying a staff member a raise, consider the indirect approach, which saves the bad news until the end, after you have established your case. This lets the recipient down gently.


3. Determine the tone of your letter based on your audience's needs. If the reader is seeking a price quote, you can write factually and efficiently. If the recipient is expecting an apology, your tone should be regretful, without sounding insincere.


4. Organize the order of information that needs to go in the letter and craft a clear topic sentence that states the purpose of the letter. Place topic sentences in bad news letters closer to the end. In all other letters, get right to the point.


5. List the information to follow and divide into paragraphs.


Do Trademark Searches

Search trademarks on the U.S. Patent and Trademark office.


If you own a business, you may have thought of a clever logo, symbol, business name or slogan that you do not want others to copy and use. This type of information, considered "intellectual property," might need legal protection. To protect your intellectual property, you can file for a copyright or trademark, depending on the nature of your "property." For example, you may want to trademark your business name. Before you file, though, you should run a trademark search and see whether someone else has already trademarked your idea.


Instructions


1. Log on to the United States Patent and Trademark Office website (uspto.gov). At the top of the page beneath the banner, there will be a navy blue, horizontal navigation bar, starting with a button that reads "About USPTO," followed by a "Patents" button, a "Trademarks" button and so on.


2. Click on the "Trademarks" button, which will take you to the "Trademarks Home" web page. In the top, left-hand column of the page will be six navy blue buttons starting with "Trademark Process," followed by "News and Notices" and so on.


3. Click on the "Trademarks Process" button in this left-hand column. An expanded, lighter blue list of buttons will appear below the "Trademarks Process" tab.


4. Click on the "Search Marks" button, which will be the second-to-first lighter blue button in this expanded column. A new window will open displaying the U.S. Patent and Trademark Office's "Trademark Electronic Search System" web page, also known as TESS. According to the website, TESS allows users to search the official database of registered trademarks and those that are currently in the application phase.


5. Choose your method of search. The U.S. Patent and Trademark Office website allows users to search by basic word, word or design mark. Click on your preference.


6. Enter your search term and click "Submit Query."


Do Free Of Charge Public Record Information Searches Online

Performing free public records searches online is easy. If you ever need to research the background of a babysitter, employee, tenant, new boyfriend, or new girlfriend, several websites enable you to discover available information. Using them, you may examine an individual's personal finances, criminal history, property ownership and possible political affiliations.


Instructions


1. Obtain the subject's address by doing a search for the name on Pipl.com. Pipl is a powerful people search engine that will enable you to find other information as well - including phone numbers and past addresses. Note the current address.


2. Execute a search on PropertyShark.com using the address. This site will give you information about the property the person owns, the date of purchase and the price paid.


3. Conduct a background investigation using CriminalSearches.com. It will detect criminal records. CriminalSearches.com is particularly useful if you are screening babysitters or other people that will be working close to your home and family.


4. Enter the person's information at the CampaignMoney.com website in order to see any political donations that the person has made. Such donations are public records and may indicate political leanings.

Perform The Interlocking Hair Weaving Technique

Hair weaving gives anyone the chance to look like a rock star or supermodel, no matter the length of their hair. There are a number of methods, but many prefer the interlocking technique. This keeps the natural hair healthy and also makes the fake hair look more realistic and like part of the natural scalp. It's a little difficult to master, but becomes easier over time.


Instructions


1. Wash your hair with shampoo, rinse and apply a deep conditioner to the scalp. Let the conditioner sit for 2 to 3 minutes and rinse it out. Then let the hair dry completely. Clean and healthy hair is easier to work with when weaving.


2. Part the hair in a circular pattern, beginning at the top of the scalp. Make this part about 1 inch thick and follow the circular shape of the head. Cornrow the parted hair since it will be hidden in the weave.


3. Place a comb at the top of the cornrow near the bottom of the head, around the neck. Create a small part in the hair, right above the cornrow.


4. Braid the hair in the same way you would a regular weave by separating the hair into smaller sections and braiding each one individually. When you reach the end of the piece, stop and hold the outer two sections of the braid in one hand.


5. Attach the extension piece to the outer sides of the braid. Gently tug on the extension hair until it moves to one side and "locks" into place. Continue following this same pattern with each section of hair and each hair piece. The hair extensions stick to the braid and cover up the cornrow.

Do Personal Branding

Entrepreneurs and their marketing teams use branding to create memorable identities for their businesses. Beyond branding their businesses, entrepreneurs must create personal brands that their customers, colleagues and employees find likable, authentic and relatable. "Entrepreneur," a resource for business owners, defines branding as creating a name, symbol or design that creates an identity for a specific product, service, business or person.


Instructions


1. Take a look at your skills, interests, abilities, education and experiences to come up with your brand. You can build a brand around being a results-driven marketer with an interest in targeting moms, or a lifestyle guru with ideas on how entrepreneurs can run their businesses and still take care of their health.


2. Determine the qualities and ideas you want people to associate with your brand. Ask friends, family and colleagues to offer up some words they associate with you to help you with this exercise. You can use words like honest, creative, quirky, forward-thinking, an innovator or selling guru to help you create the message you want to send about your personal brand.


3. Identify the tools you plan to use to help create your personal brand. Blogging tips and ideas, using social media to start conversations, holding events and attending them, releasing books and reports and offering your expert opinions to the media are all tools you can use to develop your personal brand. Use these tools to position yourself as a credible expert.


4. Seek competitors who are sending similar brand messages. Ensure that you differentiate your personal brand from other experts in related industries. Your competition could be a local blogger whose expertise is on a similar topic, or a business owner who sells the same products you offer in your boutique.


5. Take a look at the personal brand you've created and make sure it's true to who you are. If your brand isn't authentic, it will reflect in everything you do and cause customers and colleagues not to trust you. If your brand is authentic, you can insert it into everyday activities at home and in the office.


6. Attend networking events, trade shows and other events related to your industry to introduce and promote your personal brand to colleagues and customers. Attend with your business cards, a 30-second pitch about your company and goals you'd like to accomplish during the event.


7. Insert your personal brand in everything you do, from the way you dress and decorate your office to the way you answer your phone and interact with people in your life. What you do shapes your brand more than the message you are setting out to portray.

Do Free Researching The Market Online

When starting or expanding a business, market research should be a very important part of your research. This will determine the potential market segment or group in your geographic area.


Instructions


1. Before beginning your market research, you will need to determine your potenital 'custome profile'. Such as the age group, income level, etc., so that you know exactly what segment you are trying to reach and the size of the market.


2. To begin your free market research, visit SBDCNet. This is a national information clearinghouse that will provide you with information collected by the federal government. This company reports statistical information for a wide range of demographic and economic topics.


3. You can conduct a search by state or county to help identify the range of your potential market. Market Research is an extremely important step when starting a business and should be taken very seriously.


4. For more free business resources, visit the link below, under the Resources heading. Here you will find free business ideas, marketing ideas and strategies, and many other no cost business topics.


Conduct Business In India

Business owners considering starting a company in India should hire good legal representation and learn about India's culture. India is a rising economic powerhouse and is essential to a company's global business strategy--doing business in India can greatly increase a company's profitability. Read on to learn more.


Instructions


1. Find good legal representation in India. India is the world's largest democracy, but it also has a corrupt business and legal system. Navigating the complex relationships between local, regional and national government offices is impossible without broad experience.


2. Establish a working relationship with a trusted Indian partner. Travel to India and meet with several local business owners face-to-face. This personal relationship building will be greatly rewarded in-kind. Bring the appropriate type of gifts for a first business meeting. These should be chosen in advance and cost should not be the first consideration (See Resources).


3. Meet with the highest level government official possible. Government agency's that regulate business in India have deep layers of bureaucracy and starting at the bottom of the hierarchy will result in many delays to getting a business started.


4. Obtain the proper visa for business travel. Although a Visa Upon Arrival is not required for tourists, business owners will need to consult with the Immigration Service for the appropriate region of India (e.g., Hyderabad, Mumbai).


5. Establish a business identity in India. Produce business cards with a logo, phone number and fax in India, and email and website addresses. It is simple to set up a website in tech-savvy India especially in Hyderabad and Mumbai.


Perform A Effective Presentation In Softimage

The growth of novel and complex technologies has taken presentation making to a more advanced level. Today's software programs allow a range of dazzling visual and technical features, but the added complexity also increases the challenge in learning master them. Softimage is a program that lets you design 3D animations, characters and other visual effects. Users can diagram, model, animate and add materials, texture and lighting to produce an impressive 3D presentation.


Instructions


1. Click on "View" to toggle between the schematic, 3D or camera view.


2. Open the Property Editor, which gives you access to the basic tools used in Softimage.


3. Adjust the Illumination features to customize color, transparency and reflection. Set the red-blue-green balance and transparency percentage according to your design.


4. Click the Color Box and select a color editor. Choose your drawing tool (paintbrush, pen and so on) and click and drag the tool on the interface to begin creating your character or other visuals.


5. Open the 3D Editor to add 3D effects to your presentation. This tool will visualize your design on a grid that simulates three-dimensional space. Use the "zoom," "navigation," "orbit" and "dolly" buttons to view the presentation in different angles in space.


6. Apply "shaders" to fill in your basic design and make it appear more life-like. Surface shaders shade polygonal and geometric surfaces, 2D texture shaders apply 2D shading to an area of the design, and light shaders imitate the effect of light sources. Select the tool of your choice and highlight an area of the design to apply it.


7. Open the "Get" menu, select "Primitive" and choose "Light" to add sources of light. Choose from "point," "light box," "spot" and "neon."

Monday, February 23, 2015

Arabic Business Etiquette

Arabic countries have an abundance of oil and petroleum products, which provides their area of the world with plenty of international business relationships. If you will be doing business in an Arabic country soon, it's important to be familiar with Arabic business etiquette, which is formal, conservative, and in keeping with the Muslim religion.


Professional Attire


International colleagues should adhere to the regulations regarding modest clothing in an Arabic country. Even though the weather will likely be very warm, most of the body should be covered at all times. Men can wear business suits to a professional appointment, in colors such as navy blue or black. The shirt underneath the suit jacket should be long-sleeved and buttoned all the way to the top. Men should not wear visible jewelry, especially necklaces. Women should dress modestly and wear sleeves that are at least to the elbow. Skirts should be well below the knee, but should ideally be to the ankle. Women must keep their heads covered any time they are in public--including business meetings--with head scarves.


Professional Behavior and Body Language


In some cases, it is appropriate to remove one's shoes when entering a building. The international professional should follow the lead of the Arabian host when it comes to this. It is not proper etiquette to excessively admire items in a boardroom, or in the home of an Arabian professional. The admiration will prompt the Arabian businessperson to offer the international colleague the item, and it is impolite to refuse. During a business meeting, it is not proper etiquette to cross one's legs, as showing the soles of the feet or shoes is inappropriate. The "thumbs up" gesture, while a positive sign in the United States, may be offensive to some professionals in Arabic countries.


Communications


Some of the names of Arabic professionals may be difficult to pronounce, so get the names of each businessperson, in English, before the meeting, to avoid pronouncing the name incorrectly. It is customary for Arabic businesspeople to engage in a significant amount of small talk before the business meeting begins. During small talk, it is not proper etiquette to inquire about the health or well-being of a colleague's female family members. In fact, the subject of women is not to be discussed at all. International colleagues should also avoid talking about Israel. Periods of silence are common in meetings; it is not necessary to fill the quiet time with conversation. Individuals who ask the most questions in Arabian business meetings often do not have a high professional ranking--the executives and decision makers usually observe the meeting without speaking much.


Professional Greetings


A handshake is the common form of professional greeting; businessmen will often shake hands with each other--handshakes are to be firm. In some cases, men who are more familiar with one another will kiss on the cheek three times, alternating cheeks; international colleagues should follow the lead of the Arabian host when it comes to this. Women can shake hands as well; some will engage in both a handshake and three kisses on the cheek. Arabian countries observe the Muslim religion, so it is not appropriate for men and women who are not related to have physical contact with each other. In professional situations, a nod of acknowledgment is sufficient between genders.


Giving Gifts


Gifts are generally not presented at initial business meetings--it is best to wait and give gifts after the business relationship is established. It is not proper etiquette to present professionals in Arabian countries with gifts of alcohol or pork products, as these are not acceptable in the Muslim religion. Perfumes or fragrances that contain alcohol should not be given. A souvenir from the international professional's home country is appropriate, and sweets or chocolates are appropriate to give to the host when invited to an Arabian household.


"Going Eco-friendly" Federal Grants or loans

Federal "green" business grants


As ecological awareness has gained momentum in business operations over the past several years, more and more businesses and residences are reforming their operations and building designs to meet eco-friendly or "green" standards.


In recent years, the federal government, in addition to mandating that all new buildings constructed by several agencies meet green standards, have made grants available for privately owned businesses and homeowners to go green.


Green Job Training


As part of the American Recovery and Reinvestment Act of 2009, the Department of Labor (DOL) opened the Green Capacity Building Grants program.


Charged with the disbursement of $5 million in grant monies, the DOL Employment and Training Administration is responsible for funding businesses and non-profits that work to ensure that "targeted" groups are equipped to find employment in the growing "green" industries sector, with an emphasis on renewable energy technology.


Eligible entities for these grants (ranging from $50,000 to $100,000) are groups that take part in the training of individuals under other existing grant programs, such as the Indian and Native American Program, the National Farmworker Jobs Program, the Prisoner Re-Entry Initiative and the Senior Community Service Employment.


Green Buildings for Universities


Another green grant program created by the Recovery and Reinvestment Act is the National Institute of Standards and Technology (NIST) Construction Grant Program. This grant program, open to non-profits and academic institutions, is charged with disbursing $180 million for the development of environmentally friendly research science buildings, primarily targeted at university campuses.


Community Environment


The Environmental Protection Agency (EPA) provides grants through its Community Action for a Renewed Environment (CARE) program. The goal of this program, which has been disbursing funds to communities throughout the nation since 2005, is to reduce the amount of toxic materials produced in a community and reduce the exposure of residents to toxic elements. The CARE program works to accomplish this goal through a partnership with community schools, businesses and other government agencies.


There are two available levels of funding for communities involved with the CARE program, Level One and Level Two. Communities receiving Level One funding may receive up to $90,000 and those on the Level Two schedule may receive up to $275,000.


Friday, February 20, 2015

Perform A Mass Resume Mailing

Hot fields such as medicine are especially good for mass resume mailings.


In a tough employment market, job seekers want as many eyes to see them as possible. Resume blasting, in which job seekers send out a mass mailing of resumes to as many potential employers as possible, has become popular. It gets your printed resume on file and has a good chance of catching at least some companies receiving your information, just as they are preparing to hire someone with your qualifications. Although resume blasting is not a great way to reply to advertised positions, it could get you job offers before positions are advertised.


Instructions


Cover Letter and Addressing


1. Collect all the contact data for the resumes you're mailing out. Enter this data into a spreadsheet so it can be easily mail-merged into cover letters and envelope addresses. Include contact telephone numbers in the data you are gathering. Note anything special about a company you want to remember.


2. Compose a generic cover letter that includes information about the type of job you are seeking, a quick summary of your skills ("I'm an iPhone apps developer with six years of experience") and a polite close that includes an invitation to call or email you with any questions. Keep your language formal.


3. Set up your merge data for the cover letter and accompanying envelope and merge them together. Save the merged file. If you don't have the skills to do this, most office services stores such as FedEx Office and the UPS Store can do this for you. Proofread each letter and envelope to ensure they are accurate.


4. Revise the letter for any company in which you have particular interest. Focus on tailoring the first paragraph so that it is clear your skills merge with their needs. If you have spoken to anyone at the company who might recommend you, name-drop that person. Save the new file.


5. Revise your resume to ensure it is generic enough to work for any of these companies. Eliminate the objective line; this information belongs in your cover letter. Cut your resume to a single page to improve the chances that your prospective employer will read everything important. Save this file.


Printing and Mailing


6. Print out one resume and cover letter on good-quality white paper. Check for errors, printing issues and readability. If you are happy with them, print out the whole batch.


7. Fold your cover letter and resume together into thirds, Z-style, and insert them into the matching envelopes so that the top of your letter faces out of the open flap. Do not seal the envelopes. After each envelope has been filled, go back and quickly check that your letters and envelopes match.


8. Seal, stamp and mail your envelopes. If you are including a self-addressed stamped postcard, insert it into the open fold of your letter between the top and middle sections before sealing the envelope.


Perform A Family Budgeting Template

A budget template speeds up the budgeting process each month.


A budget can help an individual or a family plan allocate household income. No one budgeting method is best for everyone; the important thing is to create and follow a budget for each budgeting period. Operating on a budget helps ensure all the bills are getting paid on time and extra money is used purposefully.


Instructions


1. Put the title "Month:" at the top left of your budget worksheet. Leave a blank space immediately to the right you can enter the current month in each time you use the template.


2. Skip a line and enter "Fixed Expenses" on the far left side of the sheet.


3. Create the headings for fixed expenses. Below the title "Fixed expenses", make the headings "Title", "Monthly Amount", "Per Paycheck" and "Due Date", from left to right.


4. List all your fixed recurring bills below the "Title" column heading. Fixed expenses include items such as house and car payments, utilities, insurance and memberships.


5. Enter the monthly due date of each fixed expense in the column under "Due Date". Leave the monthly and per paycheck amounts blank so they can be filled in each time you use the budget template.


6. Draw a border below the bottom row. On the far left below the line put "Total Fixed Expenses". Leave blank spaces to the right that you can enter the monthly and per paycheck totals.


7. Skip a line and create the title "Variable Expenses" on the far left.


8. Create column headings on the line below "Variable Expenses". From left to right, enter "Title", "Monthly Amount", and "Per Paycheck".


9. List your monthly variable expenses below the "Title" column heading. Try to think of everything that you actually spend money on each month and put it into a category. Common categories include food, gasoline, spending, entertainment, clothing, household items and toiletries.


10. Draw a border below the bottom variable expense and enter "Total Variable Expenses" below it on the far left. Each month you can use this line to sum the variable expenses.


11. Skip two lines and create a budget summary matrix. On the left hand side, put "Income", "Total Monthly Expenses" below it and "Difference" on the next line down. Above and to the right of "Income", enter "Monthly" and "Per Paycheck". This summary section allows you to enter your monthly and per paycheck income, then sum the totals of variable and fixed expenses from the worksheet above, and calculate the difference each time you budget.


12. Make at least one copy of your template. If you are using a software program to create the template, save a copy of the original in case the working copy is damaged. If the budget template is on paper, make one master copy that you can use to create future copies and several months' worth of copies to use in the future.


Words For Any Resume For Policy And Methods

Using keywords is one of the best ways to make your resume stand out. The keywords should relate to the position you're applying for and be designed to give prospective employers the perception that you are qualified. Including keywords that pertain to a specific position can help give you an edge over someone whose resume lacks them.


Words That Show Initiative


A policies and procedures position typically requires someone who can initiate these policies and procedures. Keywords that show a prospective employer you can start projects effectively are: arranged, formulated, innovated, coordinated, developed, commissioned, defined and facilitated. Using these words can draw attention to your accomplishments regarding the initiation of procedures and policies with past employers.


Words That Show Teamwork


Employers look for a potential employee's ability to work well with others. A policies and procedures specialist is no exception. Words that show an employer you can work as a team include: collaborated, co-wrote, co-authored and assisted. Key phrases using these words include, "Assisted in developing an office relationship policy."


Words That Show Organization


A policies and procedures employee will need good organizational skills to develop and help enforce policies and procedures. Words used to make this element of your personality stand out include: structured, assembled, prioritized, localized and reorganized.


Words That Show Leadershp


Many policies and procedures employees are in charge of explaining policy to new employees, as well as enforcing the policies and procedures of the company. Words that characterize the ability to teach and enforce policy include: instructed, presented, spoke, lectured, moderated, managed and enforced.


Incorporating Keywords


Using keywords as frequently as possible in your resume to construct short action-orientated phrases can help show off your best assets. Phases such as "Enforced a policy regarding new employee training," and "Developed and employee handbook" are phrases that can make you stand out as an experienced policies and procedures professional.


Do An Rfp On Marketing Jobs

An effective marketing request for proposal specifies a company's immediate goals.


Companies may outsource marketing assignments to a specialty firm or agency. To begin the selection of a specific firm, a manager will construct a "request for proposal," or RFP for short. An RFP is essentially an invitation to interview, pitch or submit a bid for an assignment. Carefully constructed RFP letters or packages will be complete and thorough to ensure that agencies fully understand, and can fulfill, the company's immediate needs.


Overview: Clearly State the Request


Clearly state the nature of the business and a basic overview of marketing needs. This is a brief summary of the proposal that establishes the scope of the assignment in a few sentences. The following steps will outline more details about questions to ask, so only a brief introduction is needed. As an example, "Company B is a women's apparel retailer located in Springfield. We are looking to increase sales and traffic, while making room for next season's inventory. Would you provide options on conducting a high impact advertising and sales promotion for the holiday season?"


Explaining the Need for a Marketing Service


Explain the need for a marketing service. Provide details regarding products, brands, services, target customers, geographical boundaries and staff. State if there is a marketing program in place and refer to existing samples (direct the reader online or to an addendum). The most common marketing proposals are for advertising (including television, radio, print, mobile and online), direct mail, sales promotions, consumer research and event marketing. However, a marketing campaign can include several of these options to build brand awareness and retain or increase sales.


Disclose Company Challenges


Request for proposals should always include a problem statement or company challenges.


Discuss challenges regarding sales, loss in profit, competitive market share position and inventory, where applicable. For example, a challenge statement might read as follows: "Since the arrival of a new competitor, Company C, we have experienced a 15 percent decrease in sales compared to last year. We would like to research new opportunities to expand the reach of our brand and reclaim lost customers."


Give Budget Guidelines


Reveal budgetary guidelines. Specify a budget cap or commission rate, if applicable. Budget caps are usually a flat fee; commission rates usually refer to agreeing to share a percentage of the sales generated from the marketing campaign.


Produce Supporting Business Background Analysis


Produce a more thorough background statement about the business. Expound on company goals tied to the marketing RFP. These goals could specifically state the dollar amount of revenue that is needed to cover operational costs, the need to get rid of old or stale inventory, or the desire to increase traffic and conversion rates in the store or online.


Reveal Concerns about Adopting a Marketing Strategist.


Courteously explain major concerns regarding the challenge. Marketing campaigns can be costly, unpredictable or unproductive. Multi-location companies need to be explicit about parameters, locations or groups. Be candid, but diplomatic, about perceived limitations on hiring a marketing partner.


Demonstrate Strong Interest


Always be cordial, and demonstrate strong interest in obtaining a proposal from the marketing agency being reviewed.


Explain why their company was chosen to complete an RFP. Marketers want to know if they were carefully selected or if a company haphazardly submitted RFPs to every marketing agency in the phone book. If requesting from a new vendor or company referred by someone, this shows that the RFP is highly important. Companies can also get favorable feedback if they mention this and the potential for future opportunities.


List Core Competencies and Requirements


Identify core competencies. Develop a list of open-ended questions. Some examples include, "What additional integrated marketing services can you provide, such as public relations management?", "What additional information or research would you need in order to complete your assessment?", "Can you provide samples or references from previous clients?", "How much time will be allocated to this project?" and "Will we have access to a marketing manager on-site, and how will we communicate?"


Summarize


Recap a list of three to five key goals in a list. Use the information mentioned in the overview at the beginning of the proposal. For example, "Here are measurable goals we hope to achieve: 1) Increase sales by 15% over last year's comparables; 2) Maintain a 20% profit margin on merchandise sold; 3) Reduce inventory levels by 15% to make room for new arrivals; 4) Increase traffic and customer registration by 10%." These goals do not always have to be sales related; they can include hundreds of other objectives such as maintaining a competitive position in the market, researching or testing a new product, gaining consumer insight, producing graphics or video for a commercial, or even recruiting new employees.


Create Urgency and Conclude the RFP


Define the time limit for submitting a response to create urgency. A courteous example would be, "In order to adequately prepare for the holiday season, we must begin planning within three months. We would appreciate your reply within three weeks of the date on this request." Conclude with a cordial salutation and a "Thank you."


Downsize Inside A Recession

Survive a recession with good business practices and keep your long-term business goals in sight. Cut unnecessary costs but remember to leave room for your business to grow and thrive. Downsize your costs and staff as necessary to ride out the financial storm, but avoid panic and choose carefully when reducing staff.


Instructions


1. Review your business plan. Keep your focus on the long term but uncover ways to cut costs in the short term. Find unnecessary expenses and reduce them. Review entertainment expenses, association fees, club fees and other perks. Shift costs to individuals or cut the programs completely. Downsize perks to ride the recession out.


2. Renegotiate business agreements if possible. Seek out new vendors, explore relationships with smaller companies and consultants. Turn your business into a lean machine to weather the recession. Downsize costs associated with doing business.


3. Assess your employees. Reassign employees to areas that need manpower. Utilize existing human resources before seeking replacements to reduce training time and increase company loyalty. Review the existing skills present in your workforce and make sure you utilize all the training and skills your business already has.


4. Cut unnecessary employees from the payroll. Check the costs related to downsizing employees including severance agreements, unemployment costs, employee morale and productivity. Remember you need to keep doing business. Assess if all business functions are possible with retained personnel. Price the cost of outsourcing before downsizing existing employees. Keep both long-term goals and short-term needs in focus when reducing staff.


5. Spread the cuts among all levels of your organization. Institute pay cuts at the executive level as well as further down the line. Keep morale positive in the workforce by sharing the cuts caused by recession.


Download Music That'S Free And Legal

Find legal sources of free music at a number of websites.


Music may be offered legally for free because the copyrights have run out or because the artists themselves have provided the music for free to fans. Or perhaps the music is provided free in exchange for you listening to a short advertisement. Whenever you download such free MP3s, be sure to read the websites' terms and conditions.


Instructions


1. Search Internet sites such as Last.fm and The Free Music Directory. Avoid illegal sites where downloads may contain viruses and unwanted software.


2. Look for listings of free legal music downloads where others have already done the work for you. Search for forums, blogs or online discussions about sources for free legal music. Check the Free Albums Galore blog for starters.


3. Search for websites that offer free ad-supported MP3s. Such sites make their money through the advertising you view as a condition of downloading MP3s. Among the websites offering such downloads is We7.


4. Search websites of stores that sell music. For instance, Wal-Mart's website periodically offers free music tracks. Also check the websites of your favorite bands. Sometimes they offer fans free material for download.


5. Register or provide your personal information when you find a website. Sometimes providing your email address is a condition to get free music.


Double Near The Coast Property

A double close involves buying and selling a property back-to-back in one transaction. Although it's a legal technique, it can be seen as negative due to news about real estate fraud. Nonetheless, with a few precautions, you too can double close in real estate.


Instructions


1. Hire an attorney who is familiar with double closing deals and is willing to assist you.


2. Explain to the buyer and seller that you're performing a double close transaction. Some buyers may be leery of this kind of deal due to misinformation. Explain matters in a knowledgeable and intelligent way to eliminate suspicion.


3. Sign a purchase contract on the property with the seller. Then sign another purchase contract with your buyer.


4. Schedule the closing.


5. Find a title company that is investor friendly, as it will be familiar with double closing procedures.


6. Have the property owner sign a deed over to you; next, you sign a deed to the buyer. The title company deposits both deeds, as well as the purchase money, into escrow. Only you and the buyer need to attend the closing. The transaction is complete when the buyer signs all the mortgage paperwork.


7. Expect the title company to deliver the purchase price amount to the seller. You will then receive the difference amount. Finally, the title company records both deeds with the county.