Forex City.

Acne Treatment Tips

2008-03-13T05:12:00.000-07:00

by:
M.D. Stracener

Acne is a broad term which includes blemishes, blackheads, and whiteheads. Acne can strike at any age. Effective acne treatments are sometimes difficult to find, and understanding acne and prevention can be frustrating. Here are some acne treatment tips that have worked for many.

Although acne isn’t life threatening it can be uncomfortable and hard on your ego. There has always been a debate about the actual cause of acne. The actual cause isn’t as important as finding a cure.

So is there a cure for acne. Well yes and no. There are many products available and for some they are a cure, for others they do not help. A cure is only a cure when you find a product that works for you.

Most acne treatments will take time to work. It usually takes around 8 weeks before you see any significant improvement so you are going to have to be patient. Once you’ve got your acne cleared up it’s important to continue with the treatment that’s working so it does not return.

If you have serious acne it is best to consult a dermatologist. However in milder cases you will often be able to get it under control by yourself just by preservering. Try these tips to conquer your acne.

Exercise
Regular exercise helps keep your whole body in shape. It builds your immune system and helps eliminate toxins from the body. It’s a great start to fighting acne.

Diet
You need to eat at least 5 servings of fresh fruit and vegetables each day. Fresh fruit and vegetables are full of nutrients that your body needs. They boost the immune system and are good antioxidants. They can work towards helping you get rid of the acne. Try to avoid refined sugars and fatty foods which have are not good for you or your skin. You also need to drink at least 8 glasses of water a day to flush your system of toxins.

Cosmetics
Choose cosmetics that are water based and hypo-allergenic. Avoid oil free products, coal tar derivatives, and heavy creams. Make sure you wash your skin thoroughly every night to remove makeup residue.

Hormones
Hormones can play a role in acne flare ups and they can be used to reduce outbreaks. Your doctor may decide to use HRT to eliminate or reduce your acne outbreaks.

Clean Skin
You need to avoid harsh scrubbing of your face but you also need to thoroughly clean your skin nightly. Use a mild cleaning regime every night. Once or twice a week you should also use an exfoliator to gently remove damaged skin and unplug pores.

Shaving
Is actually a great exfoliating treatment the removes dead skin. However you should never shave an area that is infected or inflamed. Always use a shaving cream if your skin is sensitive.

Stress
Can be a contributing factor to acne so try to relax and unwind. Emotions trigger chemical reactions in the body which can cause an outbreak.

You can help control your acne outbreaks by following these simple steps. What are you waiting for?

About the author:

MD Stracener from The Acne Cure has been serving customers for over 20 years, providing valuable information to keep you beautiful and healthy. Please visit us at
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Acne Adoloscent Style – How To Deal With It?

2008-03-13T05:10:00.000-07:00

by:
Sher Matsen

Adolescent acne is referred to by many names, teen acne, acne adoloscent, and hormonal acne to name just a few. Whatever you want to call it, it can be frustrating, painful, and embarrassing to a teen.

Living with acne over a http://1000movie.blogspot.com/ prolonged period during your teen years can be emotionally devastating, after all this is the age where your appearance is most important. Teen acne is very hard on the ego, often resulting in teasing and razzing from peers. Some teens suffer from not only acne but sever depression.

During the adolescent years almost every teen will have at least an occasional whitehead, blackhead, or pimple. Adolescent acne usually occurs between the ages of 12 and 20, and is usually the result of fluctuating hormone levels. Once the hormones stabilize out the acne will normally disappear. http://1000movie.blogspot.com/

So what’s the bet way to deal with adolescent acne? The simplest and most important thing a teen can do, is to learn to take good care of their skin, keeping it clean and as oil free as possible. This is not a cure but can help keep acne breakouts to a minimum.

Eating healthy and drinking plenty of water will also help by keeping the skin hydrated and the body flushed. Girls should use oil free cosmetics. Lightly exfoliating once a week will help open pours, and remove dead skin debris.

Milder cases of acne can be controlled by using conventional over the counter medicines that are applied directly to the skin. These medications usually include benzoyl peroxide or retinoic acid as an active ingredient.

Some natural products that can be used to treat acne are tea tree oil or Echinacea. Wash your face twice a day with a mixture of these herbs to reduce the number of break outs. Both have anti-inflammatory and anti-septic qualities.

In more severe adolescent acne a Doctor may try various oral medications such as antibiotics, http://1000movie.blogspot.com/ oral contraceptives or Accutane.

As teens get older and hormones stabilize, fewer outbreaks should be seen, however some people do continue to have outbreaks well into adult hood. If the teen acne condition worsens or becomes emotionally debilitating it is important to seek medical help from a dermatologist.

You do not want an adolescent to grow up with skin and emotional scars as a result of acne, so treat not only their physical scars but their emotional scars.

About the Author

M.D Stacener from The Acne Cure has been serving customers for over 20 years, providing valuable information to keep you beautiful and healthy. Please visit us at http://www.acnel.com/

Acne and Green Tea

2008-03-13T05:08:00.000-07:00

by:
Elaine Clay

Green tea is used by the Chinese as a traditional medicine to treat many ailments including acne and to improve general well-being. But does it provide an effective herbal alternative to modern medication?

The answer seems to be ‘Yes’. There are only two herbal treatments that are known to be effective in treating acne and green tea is one of them.

In a recent study by Jennifer Gan-Wong, M.D. a green tea cream was trailed against a 4% benzoyl peroxide solution on people suffering with moderate to severe acne. The results from this research study showed that green tea was just as good in treating acne as the benzoyl peroxide.

But benzoyl peroxide dries out skin causing itching or allergic reactions. Unlike green tea that has the added advantages of natural anti-bacterial properties and antioxidants, particularly epigallocatechin gallate which is 200 times more powerful than vitamin E at fighting free radicals.

Green tea also helps to reduce inflammation, hormonal activity and aids in detoxification - which is all good news for acne sufferers.

Green tea extract is an extremely versatile herbal supplement - it can be administered topically, often being used in creams, taken as a in the form of a pill or incorporated into your diet and drunk as a tea.

This last method is very popular (Green Tea with Honeysuckle is often known as ‘Pimple Tea’ in many Chinatowns) when drunk after a meal it aids digestion and helps to detoxify your system, getting rid of the toxins that can cause acne. Tip: don’t drink it with sugar, this will neutralize the worthwhile effects of the tea.

It seems that taking green tea for acne is a win-win situation… It has many beneficial properties which promote good all-round health with little or no known side effects and for the price, green tea it’s definitely a herbal treatment that’s worth trying.

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Elaine Clay is the owner of Acne Treatments Online.com :: Get articles and information to help you find proven and effective acne solutions available online to treat and get rid of your condition safely and naturally

- Feel free to use the above article on your web site or ezine. Provided that it is published in it’s entirety, including my resource box above and a “live” clickable link to: http://www.acne-treatments-online.com

Acne and Skin Problem Myths Debunked

2008-03-13T05:07:00.000-07:00

by: Dennis Becker
Isn't skin a wonderful thing to have?
An obvious benefit of skin is that it protects our bodies' internal organs from harmful elements like dirt, insects, bites, toxic chemicals, nasty weather, and the like, and it certainly is more attractive than what's underneath.
When skin is healthy it's nice to look at, but when it's diseased, it can not only affect you physically, but more painfully can cause stress and social problems.
Like the common cold, acne and similar skin diseases can be treated and covered up, but cannot really be cured. The best treatment is prevention and knowledge about what makes your skin happy, so that you can avoid skin care enemies and breakout triggers.
The real cause of acne can vary from individual to individual, but some factors can be stated with relative certainty:
1. Acne occurs when pores or hair follicles become blocked or clogged.
2. There are basically 4 types of acne manifestations: whiteheads, blackheads, pimples, and nodules.
3. Acne can appear pretty much anywhere on the skin, though it causes the most concern when it shows up on the face. The worst forms of acne break out, however, on the chest and back, and most commonly on males rather than females because of hormonal differences.
4. There are many common myths and untruths about acne, rosacea, and other skin care problems.
Some acne myths include "you'll outgrow it, so leave it alone", "being out in the sun helps acne", "acne problems are directly or indirectly proportionate to sexual activity", "acne visits dirty people", "acne is contagious", and too many more to list in this short article.
The sad thing is that belief in the myths can be devasting, in that proper treatment is avoided, and lifestyle changes that don't need to be made can take away pleasure unnecessarily.
For example, at one point in my life, I truly believed that I was allergic to chocolate and that it caused my breakouts. Whenever I would succumb to the temptation and have "just a little" I would stress out waiting for the red spots, and sure enough they would appear.
After several years and much experimentation, I learned I had no allergy, the stress was a trigger for me, and a new over the counter face scrub has kept me in the clear ever since.
Knowing what triggers your breakouts can be the difference between constant battles and healthy skin. The Internet is a wonderful place to get the information you need, so stop stressing out and learn what it takes to put your best face forward.
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Dennis Becker has developed a free e-Course titled "Ultimate Acne Prevention and Treatment Guide" which debunks the myths and shows you how to look great consistently. The e-Course, along with other skin care articles can be accessed at:
http://www.skin-care-advice.com
Copyright (c) 2005 by Dennis Becker. You may publish this article, in its entirety, on your web site or in your ezine, as long as you include this full signature box including an active hyperlink to our web site.

Acne Control The Natural Way!

2008-03-13T05:04:00.000-07:00

by:
Kirsten Hawkins

Want to get rid of those zits in your face but you are currently low on budget? How about looking for acne control to avoid the sudden appearance of acne in your skin? So how do we do this?

First, what is acne? Acne is a skin disorder caused by the hormones action on the oil glands of the skin which is called the sebaceous glands. The excretion of oils from this glands can lead to congested skin pores. This is when acne occurs. The face, neck, chest, back and shoulders is where the glands are most profuse, that is why most acne are found on this locations. People who are with this kind of disorder often tends to be depressed, and humiliated.

There are a lot of factors that can generate acne to transpire. First is our Genes. Genetics can't be changed but other factors like our daily routine and the way we take care of our skin can be improved to make acne control no problem at all. Don't feel so sad about your acne because there's lots of things you can do. This acne control tips will help you say bye-bye to those zits.

1. Include Fruits and Vegetables in your daily Diet. A healthy diet consists of at least four to five servings of fruits and vegetables. Acne control will be a lot easier if you start including this in your daily habit.

2. Rose water can be used as a facial cleanser. Dipped in a cotton, clean your face using this everyday for at least two to three times each day.

3. Don't wait for your pimples to form. If you see a bit of it in your face, do something. Acne control is best done early. Pat some ice on the affected area for this will make it less swollen.

4. Acne control is easier when accompanied with multivitamins. Start taking vitamins that contains zinc supplement. Zinc helps in making your skin stronger and acne resistant.

5. Cucumber can help in acne control. Blend it with some water to form a mask. Put it in your face and leave it for about half an hour before rinsing it off. This is a good and affordable acne control remedy that can also refresh your skin.

6. Use only mild soaps and avoid soaps that contains petroleum based products and animal based ingredient for this causes your skin to get dry and irritated.

7. Using alcohol free facial cleansers makes Acne control trouble-free. Alcohol tends to dry your skin more.

8. Makeup also prompt the occurrence of acne. Choose your makeup wisely. Most of the makeup available contains petroleum based ingredients that makes skin dry. An all natural makeup helps acne control become more effortless.

9. Lastly, Drinking loads of water is very important. It flushes out the dirt in our body, Making acne control more natural.

Now you have a list of some helpful tips in acne control. It is your choice if you are to do these methods. There are lots of ways in acne control, be it naturally or by technology. Skin products are always around for you to pick your choice. The thing is, these products are very costly. If you are the innovative type of person, better try this methods in acne control. It is all natural and wont do any harm in your body. No side effects of course! Plus, you can really save a bunch out of this. There's no harm in trying! Saying goodbye to those acne is just a step away!

About the Author: Kirsten Hawkins is a freelance writer specializing in skin conditions such as acne and rosacea. Visit http://www.acnesolution411.com/ for more information on acne and acne treatments.

Source: www.isnare.com

Acne DOs and DON'Ts

2008-03-13T05:03:00.001-07:00

by:
Natalie Katsman

Every little thing counts when it comes to fighting acne and keeping it under control. After all, zits are not that big themselves, they just bug us in a big way. We don't always realize that seemingly insignificant things can help us look better (or worse, depending on what they are), while intentionally following myths, we do more harm than good to the skin.

Here are a few things to consider if you don't want to see those pimples pop up.

DO:

= Clean your face twice a day. Use a cleanser that is designed for your skin type and avoid harsh and irritating products. When cleaning your skin and rinsing it with water (make sure to use plenty!), move from the neck to the hairline - that way you are not likely to spread hair build up over your face, as it can aggravate acne.

= If you work out and sweat, clean your face after you exercise.

= Use a moisturizer for your skin type. Even if your skin is oily, don't ignore this important part of your daily routine. Your skin needs protection. Overdrying your skin will not do any good: on the contrary, the oil glands will start working even harder.

= Choose cosmetics made for your skin type.

= Use products with fruit acids. They help to shed old skin cells and prevent pore clogging. You are not likely to see the results overnight, but be patient and stick to the treatment - you will be pleasantly surprised.

= Protect your skin from wind and harsh environment as they make skin prone to infections.

= Shampoo your hair regularly. Oil glands on your scalp produce the same sebum as those on your face. Add hair care products residues and environmental elements that stick to your hair - and you have a super-effective acne causing solution.

= Drink lots of water to clean your body of toxins and keep your skin hydrated from the inside.

= Take vitamins and eat a healthy diet. People who suffer from acne often don't get enough vitamin A in their diets (you may want to consult your doctor about that since large doses of vitamin A can be toxic). Zinc supplements are known to fight acne outbreaks. Healthy eating is good for all parts of your body. While diet changes alone won't spare you of acne, they will help your skin look better.

= See a doctor if your acne is severe.

DON'T:

= Don't use drying cleansers and harsh scrubs. They destroy the protective barrier and alter skin pH, making skin vulnerable and prone to infections. Astringents should be used on oily areas only.

= Don't squeeze zits. This is the worst thing to do, and for many the hardest to avoid. Still, if you don't want to aggravate the condition, don't pick on your pimples. You can, however, drain them with a sterilized needle once they are mature.

= Don't scratch or rub your skin. Sometimes rubbing can cause zits on otherwise clear complexion. You may want to experiment if you are brave enough, otherwise try to keep your hands off your face and avoid wearing hats, helmets or bands that may cause unpleasant surprises.

= Don't tan. Even though tan will mask the blemishes, the effect is temporary. Excessive sun exposure can aggravate acne. Many over-the-counter and prescription acne products make your skin sensitive to sun. In addition to causing skin dehydration and premature aging, UV rays destroy cells responsible for skin's immunology

Acne Program - Step 8 Vegetables to Eat and Drink

2008-03-13T05:02:00.000-07:00

by:
rudy silva

Eating and drinking vegetables is necessary for good health and for keeping your skin free from acne. Most people don't eat enough vegetables and seldom drink their juices. Here is a list of vegetables and their juices that you need to eat and drink daily to help eliminate your acne.

Vegetable juices

Vegetable juices are absorbed quickly into your bloodstream. As a result, your cells are quickly provided with nutrients that feed them and that wash away waste. Vegetable juices give you the opportunity to get quick relief from various body conditions such as acne, skin disorders, and constipation.

Eating and drinking vegetables provide you with minerals and nutrients that build your blood, tissue, bones, and cells. It is minerals that build every part of your body. It is minerals that keep your body's pH at the required level. It is minerals that keep your body alkaline by neutralizing body acids. Concentrate on putting minerals into your body by eating and drinking plenty of fruits and vegetables.

Carrot apple juice

Drink carrot juice every day. I like drinking carrot juice mixed with apple juice. My stomach can handle this combination better.

Carrot juice contains many vitamins and minerals. It is high in beta-carotene. Carrot juice will enhance your skins health and help you eliminate acne.

Carrot, spinach, and apple juice

A combination of carrot, spinach and apple juice is a powerful drink for cleaning the colon, relieving constipation and improving your skin conditions.

To make this drink, juice 3-4 carrots and a bunch of spinach. Then add juiced apples to make this drink more drinkable.

Vegetables

The word phytochemicals is used frequent here. Phytochemicals are all of the chemicals that exist in vegetables and fruits. There are so many phytochemicals that scientists have yet to investigate and learn about all of them.

Here are the vegetables that you should be eating the most of, so you can support the cleansing of your face and eliminating acne.

* Carrots - contain a rich source of vitamin A-like carotenoids. These phytochemicals have been shown to enhance the health of skin and repair it when it is damaged.

* Cabbage - helps to detoxify the body of harmful chemicals from the air and food additives.

* Celery - helps to reduce nervous tension. It contains many minerals that help to neutralize body acid waste and is high in fiber

* Cucumber - helps to reduce acne problems because it is high in silicon and sulfur. It is also a diuretic which helps flow more water through the kidney to clean out your blood

* Broccoli - is rich in beta carotene, a precursor to vitamin A, which is good for the skin

* Garlic - is a natural antibiotic and will help relieve skin bacterial infections

* Green pepper - The nutrients in green peppers are good for liver health and constipation. Its minerals are good for neutralizing acid waste.

* Radishes - help to digest your food. Good digestion is necessary to avoid constipation and to keep the liver and pancreas strongSprouts - provide plenty of vitamins and minerals, which help to reduce body acids

* Watercress - helps to prevent vitamin and mineral deficiencies at the skin surface. It provides Vitamin A, B1, B2, C, iron, manganese, copper, and calcium.

Look this list of vegetable over, make a list of them, and head for your favorite store, or farmers market. Concentrate in eating and drinking these natural products and you will see results in your health and a decrease in your skin disorders.

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork.com." More acne hints and information on his acne e-book can be found at: http://www.acne-remedies.for--you.info

Acne Program - Step 9 Protein and 0ther Food to Eat

2008-03-13T05:01:00.000-07:00

by:
rudy silva

Eating the right kind of food is what can give you a strong immune system and help you prevent sickness and all kinds of skin blemishes including acne.

Here are some of the foods that can help you overcome the acne on your face or throughout your body.

Protein

Eating excess meat is harmful to your health. Eating too much meat, more than 2-4 ounces per day, has been found to contribute to narrowing of the arteries.

If you do physical labor and are involved in a lot of movement in your work, then you should eat more than 2-4 ounces of protein per day. Just make sure that the meat has a minimum of additives and preservatives.

Remember, meat is high in saturated fat, which blocks the activity of EPA and DHA, which produce prostaglandin and control the activity of your hormones.

Meat and bread is a big contributor to creating constipation. Meat is difficult to digest and many times it will get into the colon partial digested. This condition benefits the bad bacteria and allows them to dominate the colon and create constipation.

Because meat and bread have little fiber, they move slowly in the colon, which leads to constipation and eventually to some type of colon inflammation.

Bad bacteria, decaying meat and other undigested food contribute to the build up of toxic matter in the colon. This is the type of condition you should try to avoid, if you have acne. You need fecal matter in the colon to move regularly and out the rectum, otherwise, toxic matter will build up and end up in your blood stream

Here are the grains you should be eating:

* Brown rice - contain many amino acids that help rebuild skin tissue

* Whole grains - contain folic acid, magnesium, and vitamin E, B vitamins, minerals, and fiber

* Oats - use them in the morning with honey or raisins. Oats have an anti-inflammatory effect on the skin and help to keep you regular.

Seeds and nuts

* Almonds - Almonds contain protein, the B vitamins, calcium, iron, potassium, magnesium, and phosphorus. Use them as a snack. These small nuts help to build muscles and tissue.

* Flax seeds - These seeds are known for containing plenty of omega 3 oil, an essential oil for life. They also contain fiber when used ground up and put into smoothies. Omega 3 is also an anti-inflammatory oil, which is good for acne.

* Pecans - This is one of the good nuts to eat. It contains Vitamin A, B's, C, calcium, iron, phosphorus, and potassium. Use them as a snack.

* Pine nuts - these nuts also one of the best to eat. They contain vitamin A, C, B's, protein and iron.

* Sesame seeds - They are high in calcium, phosphorus, and potassium. They are helpful in relieving various skin diseases such as acne by reducing the swelling.

* Sunflower seeds - These seeds should be used as a snack. They are high in protein, calcium and vitamin A. They provide nutrients for building the whole body and are good for dry skin.

All of these nuts and seeds should be eaten raw. Heating and other processing will kill the life force of the nut or seed and also reduce the quantity of the vitamins and minerals.

Eat these nuts and seeds as snacks. Sesame seeds, sunflower, and flax seeds can be put directly into your blender as you make your smoothies.

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork.com." More acne hints and information on his acne e-book can be found at: http://www.acne-remedies.for--you.info

Acne - Step 2: Using Acne Face Cream

2008-03-13T04:58:00.000-07:00

by:
rudy silva

After you have washed your face with a chemical free soap, use an applicator to dip into Scotty's face cream or you favorite face cream. Place the cream on your face and spread it all around. Massage the cream into your face gently so the skin absorbs the oils in this cream.

These oils will seal the pores and hold the natural moisture of the skin and enhance the curing effects of the cream

You can use the cream 2-3 times a day. It is best to use it after you have cleaned your face in the morning and right before you go to bed. You can also use it during noontime.

You can use Scotty's' cream under your makeup or over your makeup. It will work either way. However, it will work better on a clean face.

You will notice that when you apply the cream it will tingle in areas without sores and may sting in areas of open sores. This will pass and as it does it should reduce the itchiness of any sores.

Scotty's cream has allantoin, which will help to clear acne sores. The oils, vitamin A and E, and minerals in Scotty's will help to feed, rebuild, and rejuvenate your skin. The minerals also help to neutralize the toxic acids that have contaminated and inflamed pores on your face.

During cleansing and fasting, more acid waste may come out of your pores. This is why Scotty's cream will help you to reduce the inflammation and spread your acne.

Tree Tea Oil

To make Scotty's cream or your own cream even more powerful, you can add 5-10 drops of pure tree tea oil to a two-ounce container. You can experiment with the amount to add. You may want to add more drops to provide more tea tree oil for your face. But, do not use more than 15 drops.

Tree tea oil has been found to be effective in various skin disorders. It acts as an antiseptic, antifungal, and antibacterial. This oil helps to bring oxygen to the skin cell, which kills bacteria and fungus and helps to repair damaged skin caused by acne.

Borage Oil

There is one more thing that you can add to Scotty's face cream or your favorite acne cream that will boost its acne clearing power. This is borage oil. Borage oil contains EPA and DHA, which helps to control excessive hormones that cause the over production of sebum.

It is the adrenal glands that produce streams of androgens during puberty. These large quantities of androgens help to activate bone growth and assist in bringing forth sexual maturity.

A side effect of these androgens is the release of excess oil from the oil glands near the hair follicle. This excess gives rise to

§ black heads

§ white heads

§ pimples

§ cysts

So here's what you can do to make your face cream even more effective,

§ Mix one or two capsules of Borage oil into your cream

§ Do this by cutting the tip off of the Borage oil softgel and squeeze the oil into the cream

There is a new form of EPA and DHA that is available in a product called Neptune Krill Oil (NKO)

Neptune Krill Oil (NKO)

NKO is the new EPA and DHA product, which maybe better to use than Borage Oil. NKO has the omega-3, EPA and DHA in the phospholipid form, which is easier for your cells to absorb compared with Borage oil. Borage oil contains the omega-3, EPA, and DHA in triglyceride form, which is more difficult for cells to absorb.

One other good property of NKO is that is does not have to be refrigerated like Borage. It can be kept in a cool place in your cabinets. However, it does cost more than Borage oil.

Word of Caution: As with all creams and oils, if you get any rash or skin reactions when using them, discontinue their use.

Use a good face cream to help clear your acne. You can boost the power of this cream by adding tree tea oil and borage or NKO oil.

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork.com." More acne hints and information on his acne e-book can be found at: http://www.acne-remedies.for--you.info

A Look at Laser Acne Treatment

2008-03-12T13:29:00.000-07:00

by:
Dave Lavinsky

Laser acne treatment has been around for a few years now, and it is quickly replacing more traditional forms of acne removal and prevention. As antibiotics become increasingly ineffective due to overuse, more and more people are opting for this new technique. During laser resurfacing, a doctor holds a laser pen just above the acne or acne scar tissue and waves the concentrated beam of light back and forth, vaporizing only the unwanted tissue and creating a new surface for skin cell growth. Thus the term “laser resurfacing”. New collagen actually forms after laser treatment. (Collagen is a protein in the skin's connective tissue that helps give the skin its texture.)

Although laser resurfacing is safe and painless in almost all cases, some post-procedural bruising and swelling are normal. In most cases, these side effects persist for seven to ten days. Wait until this passes before applying make-up.

Currently there are no federal restrictions on who can perform laser resurfacing; regulations only affect the laser manufacturers themselves. There are many types of lasers for many different purposes, so be sure to use a dermatologist or plastic surgeon. Be sure to ask where your doctor was trained to use the laser equipment and whether your doctor rents or owns his or her laser equipment. Ask to see before and after pictures of the doctor's cases, and find out how many different types of lasers the doctor owns and how often each piece of equipment is used.

Many doctors feel that laser resurfacing isn’t meant for dark skin because it alters the color of skin too dramatically and unpredictably. Others believe that in the hands of a very experienced surgeon, people with darker skin tones can benefit.

Lasers acne treatment is much more invasive than non-ablative lasers. They remove by erosion, melting, evaporation, or vaporization. Ablative lasers are not recommended for use on darker skin colors.

Laser resurfacing costs upwards of $2,500 for a full face, versus $1,000 for other types of scar and acne removal. Consult with an experienced aesthetic dermatologist and laser surgeon to determine what it best for you.
Acne Treatment provides detailed information on the best acne treatments, including laser acne treatment, and scar treatment, as well as adult, natural, home treatment, and more. Acne Treatment is the sister site of Microdermabrasion Web.

A Natural Approach To Managing Acne

2008-03-12T13:27:00.000-07:00

by:
Dr. Rita Louise

Almost everyone has suffered from acne at one time or another in his or her lives. It is primarily a disorder of the sebaceous gland (glands in the skin that secrete an oily substance) of the face, the neck and back. When the sebaceous glands become clogged with the oily substance they create, the accumulation results in pimples. There are several forms of acne, but the most common is acne vulgaris, found primarily in adolescents.

The exact cause of acne is not known, but factors that contribute to this condition include heredity, oily skin and androgens. Additional factors include allergies, stress, the use of certain drugs, nutritional deficiencies, liver dysfunction, exposure to industrial pollutants, cosmetics and the monthly menstrual cycle.

In addition, the skin functions to eliminate a portion of the body’s toxic waste by sweating. If the body contains more toxins than the kidneys or liver can effectively discharge, the skin takes over. In fact, some doctors call the skin the 3rd kidney. As toxins escape through the skin, they can disrupt the health and integrity of the skin, creating issues.

Recommendations for Wellness

Note: Some of these recommendations may take 2-4 weeks before any results or improvements are experienced.

Apply distilled white vinegar (can be diluted if too strong) to the face and affected areas. Allow this to sit for 5-10 minutes before rinsing off with cool water.

Lemon or any citric fruit works great as a natural exfoliate, removing dead skin cells that may clog the pours. As with the white vinegar, apply the juice of a lemon (or desired citric juice) to the face. Allow it to dry for about 10 minutes, then rinse with cool water. You may feel a mild sting or burn when the lemon juice is applied. If so, diluting the juice is acceptable.

Increase water consumption. Water helps flush toxin out and help transport nutrients in the body.

Eat a properly balanced diet to ensure proper nutrition.

Take a high quality multiple vitamin and mineral supplement to make up for nutrients missing in today’s foods.

Echinacea or Oregon grape can be used to boost the immune system and fight acne-causing bacteria.

Dandelion, Burdock or red clover can help to keep the liver clear of toxic overload.

Herbal combinations such as Natures Sunshine's Ayurvedic Skin Detox and BP-X can also be used to cleanse and detoxify the liver and reduce acne.

Historically, large quantities of vitamin A have been successfully used to treat severe acne. Large amounts, however, can be toxic and should be used when working with your health care provider.

Consider adding additional zinc to your diet. Zinc aids in the healing of tissues and assists in preventing scarring. It is also important for the body in resisting infection and inflammation.

To clear and heal the skin, try a homeopathic Acne remedy. It can help to dry up pimples & prevent future outbreaks

Do you suffer from a chronic medical condition that defies diagnosis? Do you feel “stuck” or dissatisfied with life? Whether it is a physical problem, an emotional issue, a problem at work or a problem in a relationship, medical intuitive, Dr. Rita Louise, Ph.D. can help you bring health, healing and wholeness back into your life. You can find Dr. Louise at http://www.soulhealer.com

Acne - A Clean Face - Step 1 in a 12 Step Program

2008-03-12T13:21:00.000-07:00

by:
rudy silva

For those that need more than a special cream like Scotty's Face Cream, then you need to work harder to get rid of acne. Since acne is a condition that occurs from within your body and exhibits on the outside of your body, you need to,

§ Attack acne from inside your body

§ Attack acne from outside your body

If your acne is not to severe, all you might need is a good cream and need only to follow a few steps in my 12 step program to get you past the periods where acne is active.

If your acne is more severe, than you may have to follow my 12-step program, since acne is an expression of your whole body system and is a reflection of what is going on inside your mind, cell structure and internal organs.

Acne is an excessive toxic condition within your body, which the internal elimination organs are unable to eliminate. So your toxins are moved into your blood and excreted through your skin. It is an automatic survival mechanism your body initiates in an effort to protect the insides of your body - cells, liquid, blood, organs, and tissues.

There are 12 areas that you need to look at,

§ Keep your face clean

§ Using Scotty's acne face cream or your favorite face cream

§ Relive your constipation and the tree day liquid fast

§ Making changes to your diet

§ Get plenty of sun, air, and water

§ Vitamins you need to be taking

§ Minerals you should be taking

§ Special supplements to take

§ Herbal mixture to use or drink

§ Special detoxifying drinks or supplements to take

§ Brushing your skin

§ Change your attitude

Step 1: Keeping your face clean

If you use face cosmetics, you need to stop. Some cosmetics irritate the skin and can cause acne by plugging up your pores on your face. The cosmetics chemicals that can cause you the most skin and pore irritation and inflammation are:

mineral oil

lanolin

parabens

propylene glycol

Look at the label of the cosmetics you use. You will find that many cosmetics, soaps, and sunscreens contain these chemicals.

Find a water base make up, not an oil base. Find one that does not irritate your face and use it sparingly

When you wash your face don't use any commercial soaps since they are filled with chemicals that will irritate and worsen your acne condition. And don't excessive wash your face as this will dry your skin of the natural protective oil. Also, don't keep touching your face since you spread or add bacteria to it.

To wash your face use only,

§ Castile hand or liquid soap

§ Pure glycerin hand soap

You can pat your face with a clean hot face towel to bring circulation to your face and to help open and move the toxic material, in the pimple, to the surface. Do not scrub hard to burst a pimple but just scrub lightly to burst a pimple when it is ready to open.

Use the hot towel application only 2-3 times per week.

When a pimple is open do not continue to rub or scrub it. In fact do not pick or scratch an open pimple since this could create other sores or leave scars that are difficult to remove. Just washing your face with clean soap will keep your face free of toxic matter.

Keep in mind,

Whatever you put on your skin will move into your skin and into your bloodstream.

Most commercial creams, lotions, and soaps are filled with all kinds of chemicals that are toxic to your body. By using them you are making your liver work harder.

During the day or at night avoid resting your cheeks or chin on your hand(s) or arm(s). This can irritate your face and cause acne to breakout. When you sleep, try to sleep on your back and not with your face or side of the face into your pillow.

There you have it. Step 1, shows you how to keep your face clean to avoid getting acne or to help relieve acne.

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork.com." More acne hints and information on his acne e-book can be found at: http://www.acne-remedies.for--you.info

Acne - An Introduction

2008-03-12T13:14:00.000-07:00

by:
rudy silva

Acne is the most common skin disorder. Over 10% of Americans age 25 - 44 have acne. Over 85% Americans age 12 - 25 will have acne at one time or the other.

If ignored, acne can become infected, create scars, and pockmarks that become permanent on your face. I don't want this to happen to you, so I have written a series of articles on how to clear your acne.

Acne Is a Disease

Acne is a disease called seborrhea or seborrheic dermatitis. It occurs when the sebaceous glands, under your skin, become contaminated with oily toxic matter, which contains,

§ dirt

§ dead skin

§ excess sebum oil

§ acid waste

§ bacteria

§ toxic matter

Under normal conditions the sebaceous glands release oil that comes up through your pores onto the skin surface. This release keeps your skin moist and lubricated for protection from the environment.

If your pores on your face are not open or plugged, this creates toxic oil that cannot move out onto your skin. This results in a growth or pimple that start to increase in size as more toxic oil tries to reach the surface of your skin.

If the pore walls burst under the skin, white blood cells move in to digest the collagen around the pores. When this happens, you will have scars on your face.

To avoid having scars, you need to start an acne-clearing program before you get acne or just as soon as you see acne coming so that your pimples and back heads don't get to the point where they get severely infected and burst.

Clearing Your Acne

Acne is a complex condition that involves many parts of the body even though it shows up as only eruptions on the face and else where on your skin. It is a signal that you have problems elsewhere deep within your body. Acne can be caused by a toxic colon, poor digestion of food, weak liver and other conditions that cause the blood to carry too much toxicity.

To clear acne it is not always possible to just do one thing and expect acne to go away. But it may be possible to just use a special cream and have your acne diminish or clear.

Acne may go away by just doing one thing but don't expect it to. A facial cream, diet, herbal treatment, and colon cleanse alone may not be able to clear acne. A combination may or may not work.

In future articles will be covering how to get rid of acne.

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter call "natural-remedies-thatwork..com." More acne hints and information on his acne e-book can be found at:
http://www.acne-remedies.for--you.info

3 Easy Ways to Treat Body Acne!

2008-03-12T11:53:00.000-07:00

by: Venkata Ramana

Are you suffering from Body acne? or Zits below the neckline? Don't worry. You are not alone! Lot's of teen get body acne. It is common in the winter months, when you are wearing piles of heavy clothing.

Sweat can clog skin pores and lead to breakouts all over. Other things that can cause body acne are tight fitting clothing ( It traps sweat against the skin, leading to clogged pores and blemishes) stress and hormones. Body acne commonly pops up on the chest and back.

Ø To zap body acne and prevent it from coming back, you can wash your body daily with a salicylic acid based cleanser. Look for this ingredient on product labels.

Ø Shower daily and be sure to shower as soon as possible anytime you have been sweating - such as after playing sports, working outside or just being in the sun. After your shower, you can follow up by a body moisturizer that contains Alfa Hydroxy acid. This will exfoliate skin and help prevent breakouts, without drying skin out.

Ø At Nighttime you can treat body acne just like facial acne, by applying an acne zapping gel or cream at the effected parts.

Ø If your body acne is particularly bad and wont respond to this treatment after about a month, you will probably need to see a dermatologist.

ABOUT THE AUTHOR
Venkata Ramana is a Fitness Enthusiast and a Professional Body Builder. Visit his http://www.awacne.com/ and http://www.awdepression.com/ websites and gain maximum Information to stay fit and healthy.

Pennsylvania Mesothelioma Lawyer

2008-03-12T05:07:00.000-07:00

According to the CDC, in 1999 162 people died from mesothelioma cancer. If you or a loved one suffers from the rare cancer please contact a law firm by filling out the short form to the right. Below are treatment centers for mesothelioma patients in the state of Pennsylvania.
Kimmel Cancer CenterThomas Jefferson UniversityPhiladelphia, PAPhone: (215) 503-5645
Fox Chase Cancer CenterPhiladelphia, PAPhone: (215) 728-2871

California Mesothelioma Lawyer

2008-03-12T05:05:00.000-07:00

In 1999 more then 250 deaths were reported in California from malignant mesothelioma according to the Centers of Disease Control and Prevention.
The following treatment centers in California specialize in mesothelioma treatment.
Cedars-Sinai Medical Center Mesothelioma Treatment Section Alan T. Lefor, MD 8700 Beverly Blvd. Los Angeles, California 90048 310-423-5874
Thoracic Oncology, Department of Surgery, UCLA Medical Center Mesothelioma Treatment Section Robert Cameron, MD PO Box 951741 Los Angeles, California 90095-1741 310-794-7333 1

New York Mesothelioma Lawyer

2008-03-12T05:03:00.000-07:00

New York Mesothelioma Lawyer
by : asbestosnews
in 1999 the CDC reported 156 deaths attributed to mesothelioma cancer. If you or a loved one has suffered from the rare lung cancer, contact our mesothelioma attorneys.
For treatment information we hope the following centers and specialists can help you:
Raja M. Flores, MDAttending Thoracic SurgeonMemorial-Sloan Kettering Cancer CenterNew York, NYPhone: (212) 639-2806
Columbia-Presbyterian Medical Center, Herbert Irving Comprehensive Cancer CenterMesothelioma Treatment SectionMary Hesdorffer, RN, BSN, Clinical Research Nurse161 Fort Washington AvenueNew York, New York 10032-3713212-305-1252
Memorial Sloan-Kettering CancerMesothelioma Treatment SectionLeonard Bruce Saltz, MD1275 York AvenueNew York, New York 10021212-639-2501 17
CCOP-North Shore University Hospital, Div. Hematology/ OncologyMesothelioma Treatment SectionDaniel R. Budman, MD9th Floor, 300 Community Dr.Manhasset, New York 11030516-562-8954

Mesothelioma Medical Information

2008-03-12T04:53:00.000-07:00

Malignant mesothelioma
by : mesotheliomamedicine.com
is an aggressive but rare malignancy that principally affects the pleura and peritoneum. The pleura and peritoneum are lining that cover the lung (pleura) and the abdominal cavity (peritoneum). In recent years, a steady proportional increase in pleural tumors has been matched by a proportional decrease in peritoneal tumors.[1]

Roughly 80% of cases are believed to derive from occupational or paraoccupational exposure to primary asbestos fiber types (thus the high mesothelioma asbestos claim numbers); namely, crocidolite, amosite, and chrysotile in a ratio of 500:100:1, respectively, and, less commonly, by exposure to tremolite (which has little commercial value and is therefore mined in limited quantities). These are the cases most associated with mesothelioma lawsuits and claims across the country requiring the assistance of a mesothelioma lawyer. According to recent mesothelioma statistics from Great Britain's Health and Safety Executive's Epidemiology and Medical Statistics Unit, risk appears to be highest among workers associated with the following broad areas of asbestos use: shipbuilding, railway carriage and locomotive building, and installation/maintenance of insulation materials in buildings or industrial plants.

The remaining 20% of cases have no clear-cut occupational cause and are believed to be related to etiologic factors, including contact with nonindustrial fibers such as erionite and exposure to simian virus 40 (SV40), a DNA tumor virus affecting Asian macaques that contaminated poliovirus vaccine stocks used in the late 1950s/early 1960s.

Epidemiologic Trends

Malignant mesothelioma develops after a long latency period that averages a mean of 32 years. Proportionally greater numbers of males vs females are affected (ratio approximately 3:1), and incidence follows a pattern that is defined by age and date of birth; this pattern parallels trends in asbestos exposure and associated changes in industrial consumption/use of asbestos fibers throughout the 20th century. Between 1973 and 1999, a total of 5266 mesothelioma cases were reported in the United States, at an average incidence rate of 0.97 per 100,000 people, and a higher overall incidence for men vs women (1.8/100,000 vs 0.4/100,000, respectively). Analogous to age-adjusted patterns, rates were nearly 50% higher in the 1980-1984 period compared with the 1975-1979 period, with the cohort effect peaking for males born between 1905 and 1909. Given exposure associations, the overall rate in females is unsurprisingly flat, and the estimated lifetime risk for women is 2.5 per 10,000 people. Because the use of asbestos has been banned in the United States since the 1970s, the number of male cases is expected to drop significantly during the next 50 years.

By contrast, during the same time period when asbestos was banned in the United States, asbestos imports were peaking in the United Kingdom. This accounts for the currently increasing incidence rate, from a current total of 1300 cases annually to a projected total of more than 3000 cases annually by the year 2021. In Western Europe -- specifically, Britain, France, Germany, Italy, The Netherlands, and Switzerland, which account for 75% of the entire Western European population -- asbestos use remained high until 1980, and substantial quantities are still used in several countries.

In Western Australia, crocidolite was commercially mined from 1937 to 1966, and the first cases of mesothelioma were reported in mine workers beginning in 1962. New South Wales continued to produce chrysotile until 1983, and the country as a whole continues to import about 2000 tons of chrysotile fibers a year. Consumption of asbestos in Australia peaked in 1975, which correlates with the markedly rising incidence seen over the past 20 years. More than 6000 cases were reported between 1945 and 2000 out of a total population of approximately 20 million, and an additional 600+ cases were reported in 2001 alone. Over the next 20 years, the number of cases is expected to triple, for a total of 18,000 cases by 2020.

Prognosis

The prognosis for malignant mesothelioma is poor, with median survival ranging from 8 to 14 months depending on stage and presentation of disease, as well as on clinical disease correlates.

Diagnosis

A thorough history with a focus on occupational aspects and presenting signs and symptoms, coupled with computed tomography (CT) and thorascopic pleural biopsy, are generally effective in disease diagnosis.

The Role of Surgery and Radiotherapy

The role of surgery and radiotherapy (RT) in mesothelioma management is quite limited. Neither is backed by evidence from randomized, controlled trials that establish their efficacy as single-modality therapies.

Surgery, while used successfully for palliative control of symptoms, has only minimal effect on median survival times when used as a radical treatment. Extrapleural pneumonectomy, defined as a "radical treatment" is associated with a median survival of 15-24 months. Extrapleural pneumonectomy involves resection of the pleura, lung, and pericardium, and often the diaphragm. Debulking parietal pleurectomy is associated with minimal morbidity and 90% effusion control at 12 months. Thoracoscopy with palliative pleurodesis is generally reserved for patients for whom pneumonectomy and other procedures (ie, pleural decortication, resection of the parietal/visceral pleura with lung preservation) are contraindicated.

RT has only been studied in limited numbers of patients, and its utility is restricted by both the volume of the tumor to be treated and by normal tissue toxicities. Like surgery, there may be a palliative role for RT, as it appears to be effective in alleviating pain. However there are no data suggesting that RT improves survival compared with best supportive care.

Single-Agent Chemotherapy

Because most patients with mesothelioma are not candidates for surgery or RT, chemotherapy or palliative care are often the only options. To date, single-agent regimens utilizing commercially available cytotoxic agents such as cisplatin, doxorubicin, trimetrexate, or the taxanes docetaxel or paclitaxel have yielded modest results with average response rates no higher than 10% to 20%. Although doxorubicin has been the most frequently investigated, results of a recent meta-analysis suggest that cisplatin is the most active.

Single-agent chemotherapy with newer compounds, such as liposomal anthracyclines (ie, liposomal doxorubicin, daunorubicin), gemcitabine, and pemetrexed, have, likewise, yielded modest results. While the former have proven mostly inactive, phase 2 data with the nucleoside analogue gemcitabine demonstrated response rates ranging from 0% to 31%, while the overall response rate is 14% for the antifolate pemetrexed.

Agent N Response Rate
Cisplatin 14-24 12.5% to 35.7%
Doxorubicn 15 0.0%
Liposomal Doxorubicin 24-32 0.0% to 6.0%
Liposomal Daunorubicin 11 0.0%
Methotrexate 62 36.7%
Edatrexate 20 25.0%
Docetaxel 30 10%
Paclitaxel 25 0.0%
Gemcitabine 16-27 0.0% to 31.0%
Pemetrexed 64 14%

Combination Chemotherapy

To date, combination regimens using traditional agents (eg, doxorubicin/cisplatin, doxorubicin/cisplatin/cylophosphamide, cisplatin/etoposide, cisplatin/DHAC) have not yielded substantially higher response rates than single-agent regimens.[19] By contrast, doublets utilizing novel cytotoxic agents such as pemetrexed, gemcitabine, and raltitrexed in combination with a platinum have shown more encouraging results.

Pemetrexed/Cisplatin

Pemetrexed's primary mechanism of action is the inhibition of 3 enzymes involved in purine and pyrimidine synthesis: thymidylate synthase (TS), dihydrofolate reductase (DHFR) and glycinamide ribonucleotide formyl transferase (GARFT). Although other drugs, such as raltitrexed and 5-fluorouracil, also target TS, no other agent currently available targets all 3 enzymes.

Encouraging results from phase 1 and 2 trials, in which up to 45% of evaluable patients receiving pemetrexed/cisplatin experienced a partial response (PR), led to the largest phase 3 trial ever undertaken among mesothelioma patients. Vogelzang and colleagues[35,36] randomized 456 eligible patients to pemetrexed 500 mg/m2 intravenous bolus over 10 minutes plus cisplatin 75 mg/m2 administered every 3 weeks (n = 226) or to single-agent cisplatin 75 mg/m2 plus saline (to preserve blinding) administered every 3 weeks (n = 222). The majority of trial patients had stage III or IV disease. Previous reports had documented severe toxicities (eg, grade 4 neutropenia and diarrhea) due to elevated baseline serum homocysteine and methylmalonic acid resulting from folic acid and vitamin B12 deficiencies. Therefore, the 2 treatment arms were modified early during trial recruitment to include supplementation with 350 to 1000 mcg folic acid daily and 1000 mcg intramuscular vitamin B12 every 9 weeks.

A statistically significant longer median survival time was observed in all patients receiving the combination therapy vs all patients receiving cisplatin alone (12.1 months vs 9.3 months, respectively; hazard ratio [HR] = 0.77; P = .020).

Median time to progressive disease was also significantly longer for patients in the pemetrexed/cisplatin arm compared with those in the cisplatin-only arm (5.7 months vs 3.9 months; HR = 0.68, P = .001). Tumor response (PR only), as measured by CT scan, was observed in 41.3% of patients in the pemetrexed/cisplatin arm vs 16.7% of patients in the cisplatin-only arm (P <.001).

Although treatment with pemetrexed/cisplatin resulted in a greater incidence of drug-related serious adverse events (22.5% vs 7.2%, respectively) as well as more grade 3/4 neutropenia, nausea, and vomiting, supplementation with folic acid and vitamin B12 resulted in consistent declines in toxicity. Indeed, significant differences in some toxicities were observed between those who were fully or partially supplemented and those who were never.

Finally, Gralla and colleagues analyzed quality-of-life (QOL) parameters as measured by the LCSS-meso instrument for roughly 96% of patients (n = 448) enrolled in this trial. In addition to the survival advantage noted by Vogelzang, the pemetrexed/cisplatin combination was associated with statistically significant improvements in global QOL and symptom relief in most parameters by week 18, compared with cisplatin only; significant improvements were noted in pain, dyspnea, and cough by week 15 (P < .001). Notable improvements in QOL and symptoms occurred within 6 to 9 weeks of starting treatment.

Gemcitabine/Cisplatin

Gemcitabine is a pyrimidine antimetabolite that is related to cytosine arabinoside. It has been shown to have broad activity in mesothelioma and a variety of other solid tumors. While its activity as a single agent is limited, response rates generally have been higher when used in combination with cisplatin.

Byrne and colleagues observed a 47.6% response rate among 21 patients receiving cisplatin 100 mg/m2 intravenously on day 1 and gemcitabine 1000 m/m2 intravenously on days 1, 8, and 15 of a 28-day cycle for 6 cycles. Ninety percent of patients experienced substantial or complete symptom relief. However, despite these favorable findings, median survival was only 9.4 months. Toxicity was mainly confined to the gastroenterologic and hematologic systems: grade 3 nausea and vomiting occurred in 33% of patients and leukopenia occurred in 38%, while grade 4 thrombocytopenia occurred in 19%.

New Therapeutic Pathways

Although relatively little is known about the biology of malignant mesothelioma, there is growing interest in the multiple factors involved in angiogenesis. One target of particular interest is the vascular endothelial growth factor (VEGF) signal transduction pathway. VEGF is considered the best-characterized proangiogenic factor; upon expression, VEGF binds to receptors on endothelial cells and initiates a signaling cascade that stimulates new blood vessel formation. In vitro data demonstrate that VEGF is one of the various autocrine growth factors that play an important role in the aggressive growth and metastasis of mesothelioma, such that VEGF, VEGF-C, and its receptors are expressed by mesothelioma cell lines.[40] Note that VEGF expression through the receptor flk-1 correlates with microvessel density, which, in turn, is associated with poor survival.

The presence of both VEGF and VEGF-C autocrine activity in mesothelioma cells suggests that the development of therapies that ultimately target both may confer the greatest activity. Another potential avenue lies in incorporating the VEGF blockade into current cytotoxic regimens. Agents currently being studied for their anti-VEGF potential include SU5416, thalidomide, PTK787/ZK222584, and bevacizumab VEGF, vascular endothelial growth factor.

Several trials are underway examining thalidomide a

Drug Mechanism Investigator(s)
SU5416 Inhibits tyrosine kinase activity of flk-1 University of Chicago Consortium (phase 2)
Talidomide Inhibits fibroblast growth factor-induced angiogenesis mediated by VEGF and tumor necrosis alpha Royal North Shore Hospital, Sydney and Royal North Shore Hospital, Brisbane, Australia (phase 2)University of Maryland (phase 2)Netherlands Cancer Institute
PTK787/ZK222584 Inhibits VEGF receptor tyrosine kinases and platelet-derived growth factor receptor beta tyrosine kinase Cancer and Leukemia Group B (phase 2, not yet recruiting)
Bevacizumab Blocks VEGF receptor binding University of Chicago Consortium (randomized phase 2, gemcitabine/cisplatin ± bevacizumab)

ctivity in malignant mesothelioma. Thalidomide is thought to inhibit VEGF-, tumor necrosis alpha-, and basic fibroblast growth factor-induced angiogenesis.

PTK787/ZK222584 is an inhibitor of both VEGF receptor tyrosine kinases and platelet-derived growth factor receptor beta tyrosine kinase. In vitro data demonstrate dose-dependent inhibition of malignant mesothelioma cells lines and patient cell lines that are both sensitive and resistant to conventional therapy. Furthermore, PTK787/ZK222584 inhibits VEGF-induced migration of cells across the extracellular matrix. Phase 1 study data demonstrated disease stabilization in up to 50% of patients receiving up to 1000 mg daily.[45] No significant clinical toxicities were noted. A phase 2 trial examining its efficacy in malignant mesothelioma will soon open within the CALGB.

Bevacizumab is a recombinant monoclonal antibody that blocks VEGF from binding to its receptors and is the first antiangiogenesis agent to prove effective in a phase 3 trial. In combination with bolus IFL (irinotecan, 5-fluorouracil, leucovorin), bevacizumab increased survival, progression-free survival, and response rate and duration in 800 patients with metastatic colorectal cancer vs bolus IFL alone. A randomized phase 2 trial, sponsored by the University of Chicago Consortium, is currently underway to evaluate the effectiveness of gemcitabine/cisplatin with or without bevacizumab in 106 patients with malignant mesothelioma.

Epidermal growth factor receptor (EGFR) represents an additional angiogenic target of particular interest. Its expression, which is activated via aberrant signaling and ligand binding, has been reported in 68% of paraffin-embedded mesothelioma specimens, and 4 of 4 mesothelioma cell lines. However, Govindan and colleagues demonstrated that the EGFR-targeting agent gefitinib 500 mg daily was inactive in malignant mesothelioma and did not correlate with failure-free survival in patients expressing EGFR.

Summary and Conclusions

Although malignant mesothelioma has long been considered one of the more uncommon cancers in the Western hemisphere, a steady increase in case numbers, particularly in the United Kingdom, has created an urgency to find new treatments that offer fewer toxicities, better symptom control, increased antitumor activity, improved survival, and better overall QOL. Until recently, these goals remained elusive, and the strength of the evidence supporting any single treatment modality was weak.

Fortunately, the tide appears to be turning and the sense of nihilism surrounding mesothelioma treatment is dissipating. Greatly encouraging results from clinical trials suggest that combination chemotherapy utilizing at least one novel agent has an important, definitive role in disease management. At present, phase 3 data demonstrating significant improvements in survival, favorable tolerability, good antitumor activity, and increased QOL support the use of pemetrexed plus cisplatin as first-line therapy for malignant pleural mesothelioma. Other combinations, including gemcitabine plus cisplatin or carboplatin, and raltitrexed plus oxaliplatin, may, likewise, become standard therapy in the near future.

As evidence continues to mount that more firmly establishes the role of combination chemotherapy, researchers are beginning to make inroads into greater understanding of the biology of mesothelioma. Ultimately, new insights may provide novel therapeutic targets and a means to further improve outcomes.

Five Tips to the Legal Process for Mesothelioma Patients

2008-03-12T04:39:00.000-07:00

Five Tips to the Legal Process for Mesothelioma Patients
by : http://www.survivingmesothelioma.com

Five Tips to the Legal Process for Mesothelioma Patients
Deciding to pursue legal recourse and selecting an attorney to represent you in a mesothelioma or asbestos lawsuit are important decisions that should be made carefully. Below are five tips to consider:

1) You Were Probably Exposed to Asbestos

Some mesothelioma patients know they worked around asbestos, but many do not know how they were exposed. In fact, many are not sure if they were ever near this carcinogen. Unfortunately, there have been thousands of products that contain asbestos - cigarette filters, hair dryers, brakes, basement and roof materials, pipes, boilers, insulation, and many other products found throughout the home and at work. Mesothelioma patients are often not aware that the products around them contained this carcinogen. Also, the latency period (the time from asbestos exposure to mesothelioma diagnosis) can be over 30 years. If you were diagnosed with mesothelioma it is more than likely that you were exposed to asbestos multiple times in your life and that this happened decades before your diagnosis. A skilled lawyer can help you identify the various ways you were exposed.

2) Don't Wait to Discover Your Legal Options

When you have been given the news about this terrible disease, you may not feel that you have the time to deal with the legal questions - should I file a claim? should I talk to a lawyer? However, you should not wait too long to learn about your legal rights for at least three reasons:

Statutes of Limitations - There are statute of limitations which means you only have a limited time to file your case after diagnosis. The statute of limitations time period is set by individual states and varies. If you wait past this time period you cannot file. The clock usually starts ticking on the day of diagnosis.

Financial Pressure - A diagnosis can bring financial stress, less income, more expenses, and treatments that are not covered by insurance. Knowing that money may be on the way from filing a claim can bring great financial relief, make more treatment options available, and remove at least one stress.

Lawyers can be Excellent Resources - The more experienced mesothelioma lawyers and law firms can often be excellent sources of information about various doctors and treatment options available for this disease.

3) Don't Pick an Attorney Based Solely on TV Ads

Many asbestos lawyers advertise on television, however, you should not use a TV commercial as the sole reason to hire an attorney. Actual credentials are what counts. For example, what type of accomplishments has the law firm achieved? How committed are they to cancer cases? How many other cases like yours have they handled?

4) Make Sure You Understand Fees

Contingency is the term that means that the lawyer gets paid only after they collect money for you. Nearly all asbestos related lawsuits are handled on a contingency basis. The amount of the contingency fee that your lawyer can charge varies by state. It is usually between 33% and 40% of the amount that is awarded to you after expenses are deducted. It is important to discuss fees openly, ask what services they cover, how they are calculated, and whether there will be any extra charges.

5) Find a Trusted Partner Who Cares

For something as important as a mesothelioma lawsuit, your attorney should not only be experienced, skilled, and dedicated, but also a trusted partner who understands the pressures and stress you are experiencing. The lawyer should know that your health needs are the most critical and that the medical aspects of this disease always take precedence over the legal aspects. The best lawyers are those that are not only expert at what they do, but are also caring, supportive, thoughtful and compassionate.

Here are experienced mesothelioma law firms you can contact for more information:

California
Paul & Hanley
If you are a resident of California and were diagnosed with mesothelioma please call Jerry Neil Paul of Paul & Hanley. Paul & Hanley has garnered many of the most significant California verdicts and they are dedicated to helping victims of mesothelioma. Call: 1-800-281-9804.

Midwest
The Maune Raichle Law Firm
Would you like free information on mesothelioma or legal representation? If you or someone you know has mesothelioma and lived or worked in the Midwest, call The Maune Raichle Law Firm or visit our website. We handle only mesothelioma cases. Call us at 1-800-358-5922.

New York and New Jersey
Levy Phillips & Konigsberg LLP ("LPK")
If you or someone you know has mesothelioma and has ever lived (or performed any work) in NY or NJ, call LPK for a free consultation, 24 hours a day, 7 days a week (1-800-637-6529) or visit their website. LPK has over three decades of experience, including many top mesothelioma jury awards in NY and NJ.

Maryland, Delaware, Washington D.C., Pennsylvania or Tennessee
The Law Offices of Peter G. Angelos
If you or someone you know has mesothelioma and has ever lived or performed work in Md., De., D.C., Pa. or Tn. please call or email the The Law Offices of Peter G. Angelos for a free consultation, 24 hours a day, 7 days a week. 1-800-556- 5522, www.angeloslaw.com. The Law Offices of Peter G. Angelos has specialized in asbestos litigation since the early 1980's.

Anywhere in the United States
If you would like a free case evaluation (to find out how much your case may be worth) and further details on how to select a reputable mesothelioma law firm to get the best possible result, call Michael Horwin, M.A., J.D. at: 1-619-599-3112. Michael can help you regardless of where you are located.

Choosing A Business Tax Service

2008-03-12T03:05:00.000-07:00

by:
Don Kransteuber

There are a number of ways that you can find tax services companies. The yellow pages is a good place to start for companies in your area but, depending on where you live, the list of names may be extremely long. It is a good idea to ask your friends, colleagues and business partners to recommend

Forex City http://1000movie.blogspot.com/

the tax services that they have found helpful and efficient in the past. Then you can call the tax services professionals that you have on your list and discuss your requirements.

The first step in finding the best tax services for your needs is deciding what level of help you require. Perhaps you simply need someone who can file a simple tax return but has to wade through your slightly disorganised accounting documents, or maybe you have a number of employees and need

assistance sorting out their tax withholdings or you may even want all of these tax services, and more. The size of the tax services company may also be an issue. You may want one person to be able to perform all of your tax work, especially if you are only a small business owner or you may want a team of tax professionals and you want to find tax services that have a number of specialists available. Once you have identified the type of tax services then you can begin your search more easily. Your available tax services budget is obviously going to be an issue but you should try to allocate as much money as possible to ensure that you can afford the best possible tax services. Remember that you can incur heavy fines if you have incorrectly filed your tax return or are late paying any type of tax that your business is liable for.

Apart from professional qualifications and references one of the most important points to consider when assessing which of the tax services companies you want to use is whether you feel comfortable with the person you are dealing with. At the end of the day you are going to trust them with your financial records and it is essential that you feel that you can depend upon the person.

Every business, at some time, needs the help of some type of tax services at some stage. Large organisations usually have their own tax services department with accountants and tax lawyers but small companies often have to hire tax services on a regular basis to help keep their tax returns and other issues in order. It is important to know how to find the best tax services, no matter what type of business you are involved with.

About the author:

Learn more about Tax Software and gain access to a wide variety of resources at You'll find articles, resources and links to helpful sites.

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Company/Employee Handbook as Organisational Improvement Tool

2008-03-12T03:04:00.000-07:00

by:
Stephan Szugat

A business is only able to grow as fast as the internal

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organisation is able to process higher volumes of sales. But how to get an optimal internal organisation? Well, you will need to adapt your internal organisation over and over again. It’s a never ending story. However, a Company/Employee Handbook could assist you to achieve the best internal business organisation.

This brings up the question, What has to be included in a Company/Employee Handbook? Everything what has influence to your business operation. First of all, it has to be outlined which areas the Company/Employee Handbook will cover. As it has to do with internal operation, here is a list of items you should include:

- Company Background Information (Name-Development, Foundation date and place, History-Milestones, Vision)

- Owner and/or Manager Bios/Profiles

- Listing of Officers and Board of Directors

- Employment Roles (Job Roles, Job Descriptions)

- Description of the main products and services (just use your marketing material)

- FAQ (about internal subjects only)

- Company timeline (What, when, where)

- Office procedures (Workflow-Information, Working Procedures)

- List of persons to know (Bank Contact, Tax Advisor, Laywer, Main Suppliers, etc.)

- Overview of agreements (Rental, Leasing, etc.)

- Internal Policies (Dress code, Phone usage and answering, Voice Mail Procedure, Parking,

Business Cards, Drug Policy, etc.).

The above list shows which information should be included. The following list shows which departments should be included:

- Distribution

- Inventory/Warehouse

- Marketing (How Follow-up’s are handled, Lead-Generation, etc.)

- Customer Support

- Research and Development

- Accounting

- Human Resources

- Purchase/Procurement.

The above two lists just show, how complex it could be to setup a Company/Employee Handbook. But it don’t have to be complex, just start partial. Only include the information which are already available and use the help of your employees. The benefits of having a Company Handbook are numerous, your employees will save time, it will be easier to improve procedures, because the procedures will be broken down into small sections of the whole precodures. Everything is clearly described, so nobody needs to ask over and over again. In case of holiday or illness of an employee, others could jump into the job, because they could be trained faster.

As employer, you could hire employees with lower education. And your employees will love it, because they know where to

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look, when they have questions and they could improve their working environment as well. But the most advantage for the owner is, that the organisation will be able to work properly, when the business grows and when the owner might sell the business one day, it might get sold easier, because of the proper organisation.

When installing a Company Handbook, you will find procedures you could automate. Automating the operation as much as possible will also be a big benefit, because employees and employer are able to focus their workforce on more important topics, such as improving the sales volume. Furthermore automatization will reduce to cost of operation as well.

A Company/Employee Handbook is a bit like a Business Plan, but far more detailed, because it will contain information on every internal procedure. Only the financial part of the business plan will not be included, but if you like you might include some financial information you like to share with your employees. As you describe your procedures just do it as a numeration or listing. The description don’t have to be very well formed, it’s just important that everyone who will read it, is able to understand what has to be done.

Remember, a Company Handbook is a living system, if you and your employees are not updating it regularly, it will be death one day, because it will only contain old stuff. So keep all people within your business engaged in improving the Company Handbook, because it will improve your business internal organisation as well. While starting to write the content of your Company Handbook, concentrate on job roles at first, afterwards write down job descriptions, in case a job role has been given to employees twice (Accounting Staff, etc.). Job Roles need to include the duties and the responsebilities of the described job.

Job Roles, Job Descriptions and Workflow-Descriptions of sepcial procedures don’t have to be the same, but take care that the information is consistent, that means that it is written in a stream. This way the entire Company Handbook will be of benefit for everyone. When rereading something on your Company Handbook and you still have questions, than the entry is not finished.

Last but not least, your Company/Employee Handbook should be available everytime. To do this, think about an Internet or Intranet Solution, depending on the size of your business. Keep it simple and slim, and you will have many benefits from it. Good Luck.

About the author:

Stephan Szugat is founder of abenetis a web-based service about Business Management Solutions. He has approx. 15 years experience in the Finance and Accounting Area from companies of different size and from various industries.

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Childcare Management & Daycare Software

2008-03-12T03:03:00.000-07:00

by:
Jasmine Ong

ProCare

Running a childcare facility can be an exhausting, 24/7 job. There are always kids to keep track of, records to update,

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fees to collect, bills to pay, reports to write, and so on. Often, your To-Do List seems both frighteningly endless and drearily cyclical.

If you're not careful, trying to keep up with all your duties could wear you ragged. You also run the risk of spreading yourself too thin. And that could spell the difference between delivering quality and substandard childcare.

Fortunately, Professional Solutions' ProCare software provides a way to streamline your operations. With this line of childcare management and daycare programs, you can quickly automate your facilities for maximum efficiency and minimum headaches. This means you can now instantly accomplish tasks that would otherwise take you minutes, hours or even days to complete. This also means that investing in the ProCare system can save you a fortune in wasted time, effort and money. It can very well be the soundest business decision you'll ever make.

Automation allows ProCare to simplify many monotonous and mundane administrative chores for you. With just a few keystrokes and mouse clicks, it can help you organize customer information into easily retrievable records. It can also help you perform other time-consuming duties, such as scheduling, bookkeeping and generating reports, in practically no time at all.

ProCare knows that the decision to automate your center is no small matter. This is why ProCare willingly provides you with a free software demo (available for request at http://procaresoftware.com/demo.shtml that will walk you through the system. This gives you a firsthand feel of the features and benefits without having to shell out any funds.

ProCare is a completely customizable software package solution. With the comprehensive ProCare Family Data program at its very heart, managing child and family data becomes swift and simple.

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Other optional modules can be purchased as add-ons to this core software. Each module is intended to target a specific function, such as accounting or attendance tracking. While the Family Data software is a must-buy, you only pay for the add-ons that you want or require. ProCare can therefore be designed to meet the individual needs of most any preschool or daycare. It can even be designed to fit most any budget. A pool of well-trained and dedicated ProCare consultants are always on hand to help you pick out which features will work best for your particular center.

Once you choose and install the ProCare package best suited for your needs, you're ready to hit the ground running. Its intuitive interface guarantees ease of use, with absolutely no learning curve necessary. Even computer novices will be able to successfully navigate through the application's user-friendly menus and functions. So from the moment you fire up your software, all you have to worry about is what you're going to do with all the time you'll save.

For an entire decade now, ProCare's business solution expertise has given childcare professionals more time to focus on what really counts: nurturing and caring for kids. Isn't it time you automated your center the ProCare way too? For more information on Day Care Software, please visit http://www.softwareperfect.com/

About the author:

Jasmine Ong is a staff writer for Software Perfect - a leading independent software review website.

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Do You Need Accounting Software For Your Small Business?

2008-03-12T03:02:00.000-07:00

by:
Jakki Francis

If you’re anything like me then you dislike with a vengeance doing

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your accounts and taxes.

So how can you make this process easier, less painful and cut your accountancy fees?

Well buying an accounting software package is one way.

First of all you need to decide whether you are going to keep your accounting records manually, that is using pen and paper, or whether you are going to computerize the process.

If you decide that computerizing the process is the way to go then you need to decide whether to buy an accounting software package, for example Sage or Quicken, or whether a spreadsheet, such as Microsoft Excel will suit your needs better.

As a general rule if you are a cash business that just needs to record income and expenditure then you are better off using a spreadsheet.

So, should you choose an accounting software package? Yes if:

· You have customers to whom you extend credit and you buy goods in the same way

· You process in excess of 50 transactions per month

· Your business is an Incorporated Company

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(Limited Company in the UK)

and

· You are computer literate or are willing to learn!

Before choosing the accounting software, speak to your accountants – they will be familiar with the various accounting software packages on the market and will be able to advise you. Most accountants use software in their office to process the bookkeeping for their clients and will have a working knowledge of the accounting software package they use. It may be cheaper for you to use the same one they do, because they can advise you how to get it up and running and will be on hand to answer questions, plus at your financial year end when your accounts need preparing it will be less expensive, believe me to have a compatible program.

I also recommend doing some research yourself, you may be able to obtain a demonstration disk or download of the most popular accounting software packages and this will give you an idea of how they work and if they are user-friendly.

The cost may also be an issue, so you need to decide on your budget. But consider how your business is likely to expand - you may outgrow that budget accounting software quickly and end up buying the more expensive one anyway.

Accounting software providers may also try and up-sell you a maintenance contract. Save your money! In my experience the established software providers will not have bugs in their systems. They will also try and upgrade you to the next version on a regular basis, but if the software is doing everything you need then there is no need to upgrade.

Of course, you could also pay someone to do your accounts for you, either your accountant or a bookkeeper – the payoff being you don’t have to do it yourself and it frees you up to actually run your business!

Copyright © Jakki Francis,(UK), 2008

About the author:

This article is copyrighted. Please feel free to use it in it's entirety including copyright information and information about the publisher. Jakki Francis operates the website

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Can You Play the Drums?

2008-03-12T03:01:00.000-07:00

by:
Erin Banister

When I was a child, all I wanted from life was to be able to play every instrument under the sun. Pretty lofty goal, right?

I spent a couple decades learning numerous instruments, a couple I mastered; with many of the instruments I considered myself an

average player, but that was ok – at least I could do it! Years went by, I kept learning new instruments, and I was very proud of myself.

One day, I decided it was time to learn the drums. I started with the snare drum, and I was fair at playing that. Next, the

tri-toms, the bass drum, symbols, and so on. Being the overachiever that I am, I decided one day to get a drum set. I

worked on it, day in and out, striving to

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make some sense out of this set of drums. I banged on them endlessly, struggling to find

my beat – to make them all work together while in my hands. My father, being a kind soul, walked in on me playing my drum set

and said, “You know, you look like a maniac flailing around over there.”

Skip forward several years later. I still have that drum set (in my shed), and I still play it occasionally. No set of lessons, books, or study seems to teach my feet and hands to move as they should with the drums. My beats end up half-witted, and I’ve resigned myself to the fact that 1) I can’t do it all myself and 2) If I need a drummer, I might as well hire a professional.

The moral of my story is, I know what I can and can’t achieve. The drums are not my ‘cup of tea’, but I know of several

individuals who are very good at the drums. This is true in my business as well; while I can keep my books and do my personal

taxes, when I put all of the accounting/bookkeeping together, I end up flailing like a maniac once again.

Many business owners seem to be under the assumption that they can do it all, that they can be the catch-all support that their

business needs. In my experience, this is only not true, but can also make your business look very unprofessional. Your ability to say, “I’m not a web designer” or “I’m not an accountant” or “I don’t know my head from a hole in the ground in regards to [fill in the blank]” will set your business apart from the crowd. I can

give you a great for instance: I know next to nothing about real estate. I know it has something to do with houses, mortgages,

listings, and showings; but what good does that do me? However, I know a friend of mine has ample experience in real estate, and this is her niche market. Thus, every inquiry I get about real estate I send to my friend.

We all forget at one time or another that we can’t do everything, and take on projects we are blatantly not qualified for. It is imperative that we not only find our niche market, but also figure out what we cannot accomplish successfully, and pass it on to someone who does.

I cannot play the drums, but I am a master at the flute and trombone. I cannot do bookkeeping/accounting, but am a whiz at

marketing and design. How about you?

About the author:

Erin Banister is the president of TrinityJacobs – Your Personal Virtual Assistant. Erin’s expertise includes marketing and desktop publishing, amongst other administrative specialties. For
more information, visit

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Business laws basics

2008-03-12T03:00:00.000-07:00

by:
Mansi gupta

A professional degree in Juris Doctor relates to a higher grade of studies in law. With business houses expanding in size and the legal issues gaining higher importance for day to day working of large corporates, demand for Juris Doctor professionals has been increasing. As the business interacts more with the society and their other counterparts need to resolve legal matters emerge simultaneously. All this has given an impetus to students aiming for career in law field. But a purely law background without any corporate experience may not be well accepted by business industry. Top ranked services in companies also demand a graduate in business organization along with lawyer’s degree.

As demand for combined degree in JD and business is being a preferred combination to build a rewarding career in law. Business and law schools at various places have joined hands to impart students with best career courses. At many places Law Schools providing degrees of Juris Doctor and business school providing Master in business administration present a cooperative program for the convenience of aspiring students. This opportunity to avail concurrent degrees in both fields is a stepping-stone for success of students. Students who cannot travel to different places at the same time have a best prospect of finding excellent professional training under one roof.

Surviving in the law field gets tougher from the day one tries to enter the school of law. Getting admission requires fulfilling entire

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formalities along with earlier creditable basic high school record, clearing the admission test for the law school and even recommendations from people. The same is applicable for business studies a student is required to prove his quantitative skills and efficiency in microcomputers to get admitted. A dedicated and hard work during the courses ensures students with excellent results which in turn to provide better career opportunities.

A law person has various prospects for different types of career that he would like to accept. Depending on his caliber and willingness to work hard a lawyer can decide upon practicing law in an exclusive law firm or he may choose to be an in house lawyer. An exclusive law firm requires an extensive knowledge of one particular area in law where as an in house lawyer is required to deal with entire aspects of legal issues that relate to the particular company in which he is involved.

While undergoing training in one of the law schools a student would learn about different aspects of law like civil law, criminal procedures, constitutional law, contracts, property, professional responsibility, basic federal income taxation, legislative and administrative interpretation and many others. The syllabus is cautiously devised to ensure that students receive exhaustive training to deal with maximum situation in the professional front. Similarly Masters Degree in Business administration imparts education in business for global society, corporate finance, managerial accounting, information resource management, strategic management, master’s project and other similar relevant courses. Anyone pursuing both law and business studies simultaneously has an advantage of studying some courses that are counted towards both degrees and hence a considerable amount of work is reduced for these students.

About the author:

Mansi gupta writes about business laws Learn more at

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Do you think that your workload is hampering your killer marketing activities?

2008-03-12T02:59:00.000-07:00

by:
Arun Tibrewal

You need an extra effort not the extra workload. Today when competition is high and consumers have many options to choose, an extra effort towards improvement of your product, managing your customers and taking care of other aspects of your business will give you advantage over your competition. You need to multiply your time may be you can keep your margin low, but will give you more volume and increase in your turnover.

Most SME’s start well during there initial stage of launching the business but looses its consistency do to pool of workloads on its day today life. It is often seen that hiring more employees gives extra load on limited earning resources resulting less revenue than expected. You need to put more efforts on Marketing and concentrate on your other activities so that you can do business with an ease. Outsourcing is one of the solutions for small and medium business entities too, that give them more opportunity to utilize there valuable time on marketing and other efforts. (Provided they get an honest an able outsourcing partner.)

Outsourcing is hiring a third party service

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provider to participate as a team member in your organization and share your workload. You may need to outsource your projects to save your time and get an expert professional to do the job for you. It is helpful to you in terms of, managing and multiplying your time so that you can focus on other important activities of your business needs. This is another effective tool to stay ahead with your competitions. By sharing your workload you get enough time to manage your business and think of its better promotions. You can outsource many things mainly your daily business activities i.e. accounting, document processing, Web site maintenance, Secretarial work, or other works need manual operations as well as marketing services. Below are some reasons to give an idea about benefits of outsourcing.

1.You save time in finding, interviewing and selecting the new employees by hiring an agency or search for your own.

2.You save time on providing them proper training as well as they need to adjust with your work culture too.

3.You can save your time, which you need to do all time-consuming paperwork requires hiring a permanent employee to your organization.

4.You do not need to buy extra equipments for your existing setup.

5.You save cost in your daily office expenses as well as recurring employee charges i.e. Taxes, Insurance, Medical, leave and many more.

6.You can utilize your time in better way and can deliver better output for your business.

7.If you are a contractor, you can hire a subcontractor and focus on more orders.

8.If you are marketing professional you can double your marketing efforts and can have a wider reach.

9.You will be giving the extra efforts, which all are needed in present competition, to develop your business and getting more volume of works.

10.You will be getting a professional who has expertise in his own field and can deliver you better output.

There are many more reasons why you need to outsource your projects. Today time management is an important aspect

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of your business. There are many instance of SME’s growing to a large business houses simply multiplying there existing time.

About the author:

Arun Tibrewal [ ] is an online marketing promotions specialist since 1998 and promoting KPO WEB [ ] A knowledge process outsourcing company. Permission is granted to reprint this article as long as the resource box should keep intact.
Outsourcing services
>> Honest Online Marketing Guide

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Bottleneck-oriented Business Management

2008-03-12T02:58:00.000-07:00

by:
Stephan Szugat

Simple and effective Business Management

In every enterprise there are, at every time, one or more bottlenecks, which have influence to the commercial situation. Bottleneck-oriented business management has the purpose to early track the bottlenecks and to remove them, to allow an optimum of commercial development. To know at any time, what a business lacks of and to be able to add the missing things, is today a determining competition advantage. Bottlenecks can be, e.g.:

low sales proceeds

high due or overdue accounts receivables

low liquidity (Cash on Hand, etc.)

high amount of liabilities

low number of customers

too many new customers

too high capacity utilization

defective administration or management

and a lot more.

These example show that bottlenecks not only concern negative circumstances, but also can apply to positive commercial development. If an enterprise takes up many new customers, this results in new orders, which lead to other circumstances, like a possible excess in capacity utilization. In case the excess of capacity utilization stays for a longer time, this may result in a lower employee motivation, because of a slump in working atmosphere within the company, which then could lead to less qualtiy of the work performed.

Due to a TIMELY reporting system many companies take care of reaching the desired commercial development. However, a regular analysis of expenses or the annual reports are not enough to control a business today. In the today's dynamic markets these evaluations are too statical, too much oriented on the past commercial development, which had been achieved. Also cost accounting only shows what has happened in the past. The actual direction in which a business is running could not be seen.

Imagine a business to be a car. If you sat down in a car, do you like to receive information from the instruments from the last year or month? Probably not. You would like to have actual information about fuel tank content, coolant temperature and a lot more. Bottleneck-oriented business management should exactly bring the most important and actual information about a business to you, including so-called early warning signals (Screenshot abenetis ERS-Diagram).

Data oriented to the past for early-warning-systems?

A working early-warning-system needs data which are not oriented to the past, like from cost accounting or year-/month-end-closeings. It needs data from so-called early indicators, which has to be

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gathered from different areas of an enterprise. Of course, figures from the finance and accounting department belong into an early-warning-system, but they only have a subordinated role, because they are oriented to the past.

Nowadays the reporting must show the present situation of a business. In many businesses the expenditure of time for the reporting rose considerably, due to the today's flood of information. Aggravatingly added to this, is the selection of the really relevant business ratios, which allow an appropriate overview of the actual business situation. Too often reports are prepared, which are not perceived by anybody, due to the lack of necessary statements about the business development.

There are already proven business-ratio-systems, that enterprises only need to take over. Get back into the car again, imagine you have only one instrument in front of you, which shows the value "35". What does this signify? It is not recognizable how many fuel exists, how the Temperature of the coolant is or how fast the car is driving, etc.

At this example you could recognize the little expressiveness of only one business ratio. It shows the importance to use the right business ratios, which must have a connection to each other and which have a different temporal origin. Nevertheless, many business ratio systems are mostly based on data which originate from the past.

This turns often to the problem, that immediate information are not available, to indicate the actual situation of a business. However, there is still the alternative, to reduce the period of the past. How would it be with one week instead of analysing business data every 4 weeks? This would lead to the fact that you could act a few weeks earlier, if something should run a little bit inclinedly.

Only very few data are needed to receive an informative evaluation. This again is comparably with a car. If you are driving with your car, you only receive a small, well-chosen number of information and nevertheless, have an actual picture of the situation. This is also possible for businesses, as well!

As a motorist we receive only one fraction of the data which is acquired by the system of the car, and just these fraction of information is enough for us to reach the desired destination. When traveling usually we are well prepared, but the principle of the preparations is often neglected in business operation. As it is with traveling, the final goal has to be clearly stated by the business management. This could be done by having planing data available. Only by target/actual comparison divergences of the commercial development will be recognized.

Unfortunately, many small businesses renounce to use plan data. Besides, it is not about, to cut plan data into the smallest pieces, but only to get a rough picture, what the business is going to achieve. It is absolutely possible to run a business on the basis of the figures from the previous year, however, to use these figures, the past commercial development should be taken into consideration. So the figures from the previous year should be improved to fit with the new goals. And finished are the planning data and the basis for an operational risk management are laid. Still if it is most important to know the actual bottlenecks in business operation.

Recognize problems and act!

One of the most important factors in business management is the early recognition of problems and potentials. There are bottlenecks in every business, which could have serious results. Pecuniary difficulties could lead to bankruptcy for example. Therefore symptoms must be recognized early, in order to turn a possible crisis away and to secure the future of your business. Also to use available potentials, regular analyses should be done. Nowadays products and services could not be sold forever, because product cycles become shorter and shorter due to market dynamism. The recognition and development of potentials is exceptionally important, to avoid losing the already achieved basis of a business.

About the author:

Stephan Szugat is founder of abenetis a web-based service about Business Management Solutions focusing on the core needs of business management. This includes operational and strategic analysis especially Early-Recognition-Systems, Knowledge-Management and other Services for small and mid-sized businesses. He has approx. 15 years experience in the Finance and Accounting Area from companies of different size and from various industries. http://www.abenetis.com

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Explode Your Consulting Income

2008-03-12T02:57:00.000-07:00

by:
J. Stephen Pope

Here are just a few ways to increase and diversify your

income from your consulting business.

1. Sell More Services to Your Existing Clients

Instead of spending all that time and money trying to get

new business, why not try to sell more services to your

existing client base?

If you are an accounting and tax consulting firm, for

example, you likely have clients who need some assistance

in their record keeping and documentation. In addition to

your year-end tax services, could you provide monthly

bookkeeping and financial statements, accounting system

setups, training in accounting software, or other services

to assist your client?

Monthly services, in addition to annually billed fees, will

help you smooth out your cashflow and minimize the seasonal

nature of your business.

2. Mass Market Your Advice by Productizing Your Services

Could you produce a folio, special report, newsletter,

e-book, book, audio cassette, video, or course? If so, you

could enjoy making money even when you're not billing for

your time. While asleep or on vacation, the sale of your

information products could be generating additional income

for you.

Sell such products through direct mail, mail order,

exporting, and Internet marketing (your own website,

your own affiliate programs, eBay auctions, and so on).

As well as the passive, residual income that information

products can produce for you, they also help establish your

credentials as an expert. This, in turn, produces more

consulting opportunities for you.

3. Perform Group Consulting

Seminars, workshops,

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and teleclasses enable you to help

many participants in a cost-effective manner. In addition

to paying for admission, your attendees may also purchase

some of your information products or even become your

regular consulting clients.

4. Consider Additional Markets

Could you sell your consulting services to federal, state,

provincial, or municipal governments? Could you be an

expert trial witness?

If you consult with local clients, could you extend your

reach nationally or internationally by using the telephone

and Internet?

These few ideas are a starting point for you to brainstorm

all the possibilities for exploding your consulting income.

About the author:

RESOURCE BOX:

J. Stephen Pope, President of Pope Consulting Inc.,
has been helping clients to earn maximum business profits
for over twenty-five years.

For more information about profitable consulting and other
Work at Home Small Business Ideas, visit:

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Asset and liability basics

2008-03-12T02:56:00.000-07:00

by:
Mansi gupta

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Knowledge of accounts can make life much easy. If you are to invest in a new business or joining your forefather’s business, planning to take some loan, looking for job in any marketing company, desire to be the manager of a multinational company or have the onus to manage your own assets and liabilities, knowing some basics of accounts becomes mandatory.

Broadly, accounting is bifurcated into two categories-

Cash Bases Accounting

Accrual Accounting

The Cash Based accounting pertains to the management of an individual’s personal monetary transactions. In this case, he keeps a track of the money he withdrew, deposited, gave or received from someone etc. This accounting comes to life when actual cash transactions take place.

The Accrual Accounting requires an accountant who notes the transactions even if no money has been actually exchanged. This method works on the principle of comparing or seeing the ratio of the expenses to expenditure. If the expenditure is more, you need to cut down your luxuries, if not then it’s always good to have some savings for future. This type of accounting tells you the amount that you owed; this might not match with the figure of your bank balance.

In the language of accounting there are several key terms that one needs to be familiar with. Some of the crucial ones are discussed below-

The Assets- the assets are generally those possessions of an individual that have a good market value or are quite valuable. Assets are mainly classified into three types-

Current Asset- the cash is the most basic asset of any individual. The money that is being held in accounts like the checking and savings accounts is also included in the cash. Also inclusive are the marketable securities in the form of bonds, stocks, shares etc. The money lent or

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payments due from clients, even form a part of it.

Fixed Asset- comprises of all the tangible valuable things like property, machines, equipments, land and the like that are not meant to be sold.

Intangible Asset- incorporates all the untouchable things like copyrights, patents, trademarks etc. that have tremendous monetary significance.

The law of opposites governs the nature; where there are assets, there will be liabilities. These are the debts that you have to pay back to your creditors. This can be done through giving cash or any other asset like jewelry, some other goods etc. Liabilities again are of two kinds-

1. The Current Liabilities- the liabilities that are to be paid back within a certain time limit and most often through your current assets. These include the accounts payable i.e. type of bill that you have to monthly, the Notes Payable-loans taken from banks meant to be repaid within 30 days and the Accrued Expenses- the compulsory expenses like taxes, wages, interests etc. where the bills are not received but the balances of each must be repaid.

2. Long Term Liabilities- those debts that can be repaid at ease for the tenure is more then a month.

The Financial Capital- is the economic capital. It is any liquid medium or merchandise that stands for wealth or other styles or capital. There are four ways to manage and display the financial capital. First, this capital is needed when a contract is made with any sort of capital asset. The financial instruments work in the form of currency in case of sale, purchase or trade of goods i.e. the medium exchanges. Second, it works as a settled medium or mode like gold for the

Standard of Deferred Payment. Third, The Unit of Account has a market value attached to it which in turn varies with the economy of the country. Fourth, The Source of Value is concerned with financial capital that needs to be saved and recovered. It is a collection of things like gold, real estate, collectibles etc.

Petty Cash is an important factor in business. It is the smallest account within a business setting or the cash in bills and coinage required to pay little expenses.

Types of Business- there are several kinds of business one should be aware of like

Sole proprietorship- where a single individual who starts the business owns it too.

Partnerships- the companies or businesses started by two or more persons where they conjointly own it.

Corporations- involve lot many shareholders or investors who are responsible in taking decisions for the company.

Limited Liability Companies- can be said to be sisters of corporations. Here the business members are not under a legal obligation to pay the debts if the business fails.

Payrolls- the term payroll designates the manner in which you will be paying the employees of your company and even yourself. Many multinational companies cater to payroll service provider companies that do the work quite efficiently.

These are some of the broad guidelines that will help you grasp the basics of accounting. It is essential to have some such wisdom for accounts as it is fruitful in all walks of life.

About the author:

Mansi gupta writes about asset and liability Learn more at

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Five Leadership Secrets for Challenging Times

2008-03-12T02:51:00.000-07:00

by:
Ed Sykes

We consistently face new and ever growing challenges in the workplace such as reorganizing, downsizing, and “left out sizing.” We are faced with the question, “How do we lead in this storm of change?” It may seem difficult at times and the decisions we make define our short-term and long-term outcomes. I will share with you five leadership techniques guaranteed to keep you on track during these difficult times.

1 Integrity.

I put this first because the lack of integrity will make or break you as a professional, as a leader, as a person in the long run. The lack of this will turn yesterday’s heroes in today’s villains.

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For example, “MCI was the apple of the business community’s eye. High revenues, high profits, and high growth; MCI was beating the competition hands down.

Then it was discovered that there were gross accounting irregularities that accounted for the astounding profits. You see, management made a decision, “Do I continue to sustain good growth and be able to look at myself in the mirror or do I cook the accounting books and spend the rest of my time covering up this integrity deficiency? The real shame of the MCI situation was that AT&T, Sprint, and others in the industry had to cut costs and lay off thousands of employees to compete with MCI’s false numbers. The lack of integrity at MCI not only affected the company but also the livelihood of thousands and the industry as a whole.

I was recently speaking with a recently retired City Council member who is well respected in the community. I asked her what the secret was to her success while on the council? She mentioned that one of her political adversaries said to her, “While you were on the council, I didn’t like the way you voted, but I respected the way you voted because you were consistent with your votes and had the city’s best interest in mind.”

Ask yourself what decisions that you make are right for the long term? Be consistent in your actions, whether it is with management, your team, or your family.

2. Knowledge.

With change happening faster and faster every moment, it is extremely important that you gain the knowledge to master these changes. You owe it not only to yourself, but to your team and management. As I always say, “It’s not having the right answer, it’s that you have the right answer faster than before.” Many times during my teambuilding programs a student will say, “I didn’t know where to find the answer.” Then I will say, “That is an unacceptable answer.” Because part of being a leader is acquiring the skills to find the right answers. With the Internet, classroom and online training, mentors, etc., the knowledge is at your fingertips.

Challenge your team members to use the same resources to acquire the knowledge to master their challenges. By acquiring this knowledge, you will be able to navigate your team through the ocean of change and achieve your goals.

3. Decisiveness.

You have seen them. They wait for information, then more information before making a decision. Then they need more information to support the information they already have.Then they need a committee to analyze the information. Then they wait for the perfect time to make the decision.

Well, you know what I mean. Anyone you know? Make the decision! Good things happen when you take action; you grow, you adapt, and your team grows. There is no perfect time to make a decision. Leaders make decisions based on past experience, putting into action the decision, and staying and adapting the decision if needed. But make the decision. The worst quality you can show your team is indecision. What do you think your team sees when you can’t make a decision? Make the decision and go for it.

4. Vision.

This is the ability not only to see what is the present - anyone can do that - it’s the ability to see the future. Outstanding leaders can not only see their team for what they can do now, but what they can become, and paint the picture for them. These leaders are consistently communicating and coaching their team members to that vision. One of the best ways, and least used methods, to convey your vision is the team meeting.

Every meeting should start out with the team vision, mission, and goals; and the rest of the meeting should tie into the vision. For

example, the motivation portion of the meeting should tie into the vision, the information portion of the meeting should tie into the vision, the training portion of the meeting should tie into the vision, etc. Also, invest time to develop your team members’ personal visions and show them how they can accomplish their personal goals by tying into the overall vision. By consistently communicating the vision, your team will move with purpose, feel they are personally making a difference, and achieve their goals sooner.

5. Unselfishness

Stephen Covey, in his successful book Seven Habits of Highly Effective People, wrote that a true leader must be a servant to the ones he or she leads. The leader must be able to “give of oneself for the good of the team.” In other words, be unselfish in words and action. Be unselfish in praise of others, in public, especially in front of management.

Be unselfish in the ability to take time to listen, really listen to your team’s concerns. A recent management survey said

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that the average time management invests doing “pure listening” to employees during the year is a mere two hours- just two hours! What was meant by “pure listening” time was listening with eye contact, acknowledgement, and not answering the phone while listening, not speaking with another person while listening, etc. Be unselfish in the ability to help your team. Whether it’s the ability to readily assist with a difficult telephone call, jump in and remove road blocks for team members, or “be there” for a team member during challenging moments. Believe me, your team will remember those moments and excel for you.

Now I challenge you to put into action just one of the leadership techniques I mentioned above to achieve your vision, your mission, and your goals in the future.

Copyright © 2003 Ed Sykes. All rights reserved

About the author:

Ed Sykes is a professional speaker, author, and success coach in the areas of leadership, motivation, stress management, customer service, and team building. You can e-mail him at mailto:esykes@thesykesgrp.com, or call him at (757) 427-7032. Go to his web site,

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and signup for the newsletter, OnPoint, and receive the free ebook, "Empowerment and Stress Secrets for the Busy Professional."

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Five Reasons to Incorporate a Company Offshore

2008-03-12T02:50:00.000-07:00

by:
Rhiannon Williamson

When it comes to the term ‘offshore’ used in conjunction with company incorporation, the term ‘offshore’ generally refers to any jurisdiction other than one in which the company incorporated will conduct the

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majority of its activities.

Usually such a jurisdiction has some degree of taxation or reporting benefit attached that makes it attractive to the company owner, and the concept of incorporating a company offshore will bring at least one of the following five benefits to a business owner: -

1) Ease of Operations – depending on the jurisdiction and the type of business activity to be conducted under the company name to be incorporated, the operating restrictions, auditing and accounting requirements and standards to which the business and its employees and directors must adhere are often far less restrictive offshore than onshore.

Exceptions to this rule are financial services based companies in many jurisdictions for example, who have

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to comply with extra regulatory legislation for the protection of the company’s clientele.

The advantage of easing operations particularly for a small or start up company is a reduction in operating costs and in the amount of time a company’s directors have to dedicate to form filling and report filing.

2) Reporting Simplification – this ties in with the first benefit; in the majority of offshore jurisdictions favoured for company incorporation the company activity reporting requirements are often far fewer and simpler as the business activities entered into by the company are conducted outside of the jurisdiction in which it is incorporated.

Furthermore personal information relating to the company’s directors and shareholders need not be declared in all cases or the extent to which personal information is required is far less intrusive.

3) Taxation Reduction/Negation – the reduction in taxation liability is one of the main benefits associated with investing offshore, opening an offshore bank account or incorporating a company offshore.

If you set up your company in a low or no tax jurisdiction you could potentially save yourself substantial amounts of money legally. Often the rules are that if the company incorporated in a particular jurisdiction never derives an income from the local economy it can operate tax free.

It’s therefore possible to use an offshore company in an overall international business structure and ensure profits are

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posted in the offshore jurisdiction and so no tax is liable! Many international corporations operate in this way and actually negate their tax liability fully.

4) Asset Protection – by operating a company offshore, i.e., outside the jurisdiction in which the company operates, it is sometimes possible to position assets away from the reach of any potential litigious action and also to shield business transactions from the eyes’ of the competition.

5) Personal Privacy Protection – the level to which a director or shareholder’s personal information is required, held, visible or investigated offshore is likely to be far less invasive and intrusive than onshore. It is also possible to appoint nominee directors and secretaries for offshore companies in many jurisdictions thus keeping the true company owner’s identity shielded.

The information contained in this article cannot constitute advice. Each individual’s circumstances are unique and whether or not offshore company incorporation is something that could benefit your business can only be determined with personal advice.

About the author:

Rhiannon Williamson is a freelance writer whose many articles about the offshore world have appeared in business and financial publications around the world. To find out more about Offshore Company Incoporation visit

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FOUR SIMPLE STEPS TO BETTER RESULTS WITH YOUR RESUME

2008-03-12T02:47:00.000-07:00

by:
Jeff Altman

Is every job description you read the same? No.

Is every job you submit your resume to the same? Of course they aren’t.

If all these job descriptions are different, why do you submit the same resume?

Every day, people send the same generic resume out as though each position was identical and each employer was attempting to hire identical skills and attributes. Too often, the results they receive are like the broken watch that is right twice a day—hit or miss success.

They list their name, address, phone numbers and email address, list an objective, education, and chronology of experience with dates of employment. The resume includes some successes or accomplishments. Best with google http://1000movie.blogspot.com/ This is their resume.

In the days prior to computers when changing a resume required you to re-type different versions, this made sense. Today, when computers allow you to customize, spell and grammar check documents so easily, you are missing out on opportunities and costing yourself money by being lazy and not tailoring your resume for each opportunity you are interested in.

Here are several steps that you can do to improve your resume and get better results.

1. Each employer will be interested in different attributes of your experience. They often indicate it by the items they describe in their job ad. Emphasize the experiences that you have that relate to the skills being sought and the functions you will perform in the job they will ask you to perform. If you are applying for a staff position, emphasize your staff experience and minimize your management experience. If you are being hired to be a leader, write about your recent leadership.

2. Employers are more interested in recent work, rather than work you did many years ago. Use more space in your resume to highlight recent experience, rather than things you did before George W. Bush became President.

3. Like setting a goal where you make them specific, measurable, achievable within a specific period of time, describe your successes or achievements concretely. Reducing costs is a nice start but it is more powerful to describe something as reducing operational costs globally by 2%. Increased departmental sales by 27% resulting in . . . You get the idea. Use action verbs wherever possible (For more on this, read my article, Preparing Best with google http://1000movie.blogspot.com/ an Effective Resume” on www.newyorkmetrotechnologyjobs.com).

4. Ask someone you trust to critique what you’ve written. Too often, people believe that they can do everything by themselves without asking for help. Ask a friend in your industry to critique what you’ve written to insure you’re on target and aren’t missing the mark.

When you go to a restaurant and order a meal, you have the expectation that it will be prepared in a way that will please you and be presented on the plate beautifully. Writing a great resume requires that you be the chef and prepare a meal that is both visually appealing and tastes great too!

Jeff Altman

Concepts in Staffing

jeffaltman@cisny.com

© 2005 all rights reserved.

About the author:

Jeff Altman, Managing Director with Concepts in Staffing, a New York search firm, has successfully assisted many corporations identify management leaders and staff in technology, accounting, finance, sales, marketing and other disciplines since 1971. He is a certified leader of the Best with google http://1000movie.blogspot.com/ ManKind Project, a not for profit organization that assists men with life issues, and a practicing psychotherapist. For additional job hunting or hiring tips, go to

If you would like Jeff and his firm to Best with google http://1000movie.blogspot.com/ assist you with hiring staff, or if you would like help with a strategic job change, send an email to him at jeffaltman@cisny.com (If you’re looking for a new position, include your resume).

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Here is the latest and accurate assistance relating to laptop bags.

2008-03-12T02:46:00.001-07:00

by:
Tom Brown

Here is the

latest and accurate

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relating to laptop bags.

When you are on the lookout for

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so it is important to know

how to judge the advice that is offered.

Here's a few tips

which we sincerely believe you should use

when you're searching for information about laptop bags.

You need to understand that

the advice we present

is only relevant to web based information about laptop bags.

We do not offer you

any advice or guidance

for conducting research offline.

A good hint to follow

when offered

help or advice concerning a laptop bags

site

would be to confirm the sites ownership.

This could reveal the people behind the website laptop bags

authority

The quickest way to work out who owns the laptop bags

web site is to find the sites 'about' page.

All decent sites providing information on laptop bags,

will nearly always have an 'about' or 'contact' page

which will record the owner's details.

The info should make known

major points

about the site owner's capability.

This permits you to make an informed assessment

about the vendor's education and practical knowledge,

to give recommendations about laptop bags.

About the author:

Tom Brown is the webmaster at accountingdata-info-news.info

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How Nov. 15, 2004 Deadline for Sarbanes Oxley 404 Compliance Affects You

2008-03-12T02:44:00.000-07:00

by:
Chris Anderson

Public companies have 90 days from the end of their fiscal http://1000movie.blogspot.com/ year to comply. For those with market capitalization of $75 million or more, this clock starts on Nov. 15, 2004; while all others with less than $75 million market capitalization begin July 15, 2005.

Fast Relief for Sarbanes Oxley Section 404 Compliance

Section 404 of the Sarbanes-Oxley Act requires management to confirm the effectiveness of their IT and financial controls in an "internal control report", which is contained within the annual report (10-K) issued to the public. But what exactly is an internal control report, and why is it important to you?

The Section 404 Internal Control Report

First, the internal control report must affirm management’s responsibility for controls and procedure, and second, it must contain an assessment of the effectiveness of the internal controls and procedures for financial reporting. Although both of these issues might at first appear difficult to solve, they are actually not as hard as you would think.

Management’s Responsibility for Controls and Procedures

Affirming management’s responsibility for controls and procedures means more than to simply say management believes in or trusts their system. The affirmation will also need to include a program for a code of ethics for senior financial officers. The program must include prompt disclosures of any changes to your ethics program. So how do you do this?

Business Ethics and Compliance Program

You can easily implement a business ethics program using a step-by-step guide for developing your firm’s business ethics and compliance program. This manual will save you time researching, writing and editing your program. It provides sample policies, surveys, forms and training session outlines that are fully editable using MS Word. And it is also fully endorsed by The National Association of Corporate Directors (NACD) as a tool to maintain a culture of integrity.

Internal Controls

Your internal control report must also contain an assessment of the effectiveness of your internal controls and procedures for financial reporting. In practical terms, control is equivalent to predictability. Everyday management creates forecasts and budgets to predict the future. And the further into the future you can accurately predict, then the more control you have.

Achieve More Control Over Your Forecasts And Budgets

A training class for creating well defined processes shows you how to attain more control. Real world exercises and http://1000movie.blogspot.com/ examples explain how to increase management effectiveness, achieve process control, communicate clear procedures, and verify if your processes are working. So what about procedures?

Procedures Effectiveness

For dealing with Section 404 of the Sarbanes-Oxley Act, you can look at products like the Management CFO Value Series that includes Accounting, Human Resources, as well as policies, procedures and forms for other departments. Such procedures will save you time researching best practices, creating a standard format, and thinking of clear and concise paragraphs to write.
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Easier Section 404 Compliance

Your internal control report is the key to your Sarbanes-Oxley Section 404 compliance. You should also look at a business ethics and compliance program, attend a training class for creating well-defined processes to learn more about management effectiveness, and use a CFO Management Value Series to speed the development of your procedures. You want to achieve fast, easy, and effective relief for your Sarbanes-Oxley Section 404 compliance.

About the author:

Chris Anderson is co-author of policies and procedures manual products, providing the layout, process design and implementation to increase performance. He is currently the Managing Director of Bizmanualz, Inc., and holds a Masters in Business Administration from Pepperdine University and a Bachelor of Science degree in Electrical Engineering from Southern Illinois University.

Visit:

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How to Choose the Right Accounting Software for Your Business

2008-03-12T02:41:00.002-07:00

by:
Brandon Hall

With any good luck and a good amount of hard work, you're having http://1000movie.blogspot.com/ the same problem many business owners today are facing. Your business is growing rapidly and you're having problems controlling your finances. Time and time again, that Microsoft Excel spreadsheet you've been using just isn't getting the job done for you.

So, you’ve decided that you’re ready to take the next step, and buy a full-featured accounting software program. Many options are available to choose from, but I believe the best solutions to be Quicken Premier Home and Business by Intuit, QuickBooks Pro also by Intuit, and Peachtree Accounting by Sage. In order to decide on the right package for you, you need define the type of business that you operate.

With the rise of self-employment (businesses with one or more owners but no paid employees) a need has arisen to manage business and personal finances on one platform. Intuit has released Quicken 2005 Premier Home and Business to fill this need.

This software is perfect for the small business owner who receives income from investments, real estate, and/or internet

marketing. Also, Quicken 2005 Premier Home and Business is well priced at only $89.95.

For more typical brick-and-mortar business owners, http://1000movie.blogspot.com/ you will usually need a more robust solution like QuickBooks Pro or

Peachtree Accounting for functions like payroll reporting and check producing. Each piece of software has its advantages,

but don't forget that QuickBooks has been the standard in business accounting software for many years now. As for features and basic operations, both applications will provide you the same functionality and convenience for your business.

One additional factor to consider in your decision is that Peachtree Accounting is less expensive than QuickBooks. Both

starter versions of Peachtree and QuickBooks are priced at $99.95 each, but the full-featured version of Peachtree is http://1000movie.blogspot.com/ priced at only $199.95 while the full-featured QuickBooks Pro is priced at $299.95.

At the end of the day, the biggest advantage QuickBooks offers over Peachtree is compatibility with other applications. For example, most commercial banks (Bank of America, SunTrust, etc...) provide you with files designed to work directly with

QuickBooks, so that you can read, study, and decipher transaction details. Also, some banks will allow you to update account information in real-time with QuickBooks. Check with your bank to see what accounting software their online services support, and you should be able to make your decision.

About the author:

Brandon Hall owns which is a site dedicated to providing resources, links, articles, and news related to accounting software products.

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How to Quit Your Job

2008-03-12T02:41:00.001-07:00

by:
Debra Thorsen

Do you to know without ending up on the street? In a nutshell, you need to avoid the self-employment trap, think like a business, and create multiple passive revenue streams.

Avoid the Self-Employment Trap

If you quit your job and hang up your own shingle, you might work harder for less money. You may enjoy working from home or choosing your own clients, but you might end up living from client to client without building any real wealth.

Many self-employed people I know suffer from feast or famine. They spend lots of time and money marketing their services and get lots of clients. They get really busy doing the work and stop marketing and then their prospective client pool dries up.

If you set up your business so that you do everything - marketing, sales, bookkeeping, operations, and fulfillment, then you are limiting your success potential from day one. You will spend lots of time on non-income generating activities and may get frustrated and burned-out in a short time.

The real key to successfully creating wealth outside of a job is to avoid the mistake of trading one boss for another boss. You need to stop trading your time for dollars. Stop thinking like a wage slave. Look beyond earned income.

Think Like a Business

There are many problems with earned income. The biggest one is that you are trading your time for money. If you stop trading your time, the dollars stop coming. This is a huge problem if you decide to have a baby, get sick, want to take an extended vacation, or are ready to retire.

The IRS penalizes self-employed people who operate as a sole proprietorship with a hefty self-employment tax. How can you avoid this? Well, I am not an accountant or CPA, so I am not giving legal or accounting advice, but I have learned to think like a business. Before you quit your job, interview local tax advisors to educate yourself on different business entities and tax strategies. Start thinking big.

Build a Company with Multiple Passive Income Streams

You need to build a company that works for you. My best advice on how to quit your job is to build a business that offers multiple streams of passive income in addition to your earned income. There are so many exciting ways to design your income portfolio. It requires imagination, courage and planning.

Structure your business so that your daily activities are fun and challenging. Identify the things that you don’t enjoy or are not good at and find other people to do these activities – outside partners, independent contractors, or employees.

How to Quit Your Job

My advice for how to quit your job is to avoid thinking that you have to do everything yourself to make your new enterprise run. Think big! Set up systems and structures that work for you so you don’t have to work so hard. Incorporate and make the tax system work for you. Design your work around multiple passive income streams to support your active work. And finally, have fun!

About the author:

Find out how to break free from the corporate world. Debra Thorsen is a happy corporate escapee who helps individuals create real wealth and happiness without 9 to 5 jobs. Visit for free tips on career change, wealth building, and living without fear.

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How to Start an Investment Club - Business Model

2008-03-12T02:40:00.001-07:00

by:
chris hickman

Your investment club will need to decide what type of entity you're going to adopt for business purposes. You'll have to decide whether you're going to be a corporation, a general partnership, or limited liability partnership.

Each of these business models has their own advantages and disadvantages.

· Corporation. Most investment clubs will avoid becoming a corporation. This is because corporations are taxable business entities that require knowledgeable accounting skills to make them run smoothly and in accord with government regulations. A corporation generally means a lot of paperwork. This paperwork can be avoided by choosing another business model for your purpose of running an investment club.

· General partnership. This type of business model requires less paperwork and knowledge about taxes and other financial issues. Most investment clubs choose a general partnership as their choice of a business entity. A general partnership has nominal paperwork and costs associated with it because the taxes are passed to each partner's tax returns. This type of business model will let you accomplish what you need to do to run your investment club with the least amount of tax influence.

· Limited liability corporations. This type of a business model is much like the general partnership but it gives individual members of your investment group a bit more liability protection. Keep in mind that this type of business entity can be expensive and will need more paperwork.

Members of your investment group will have to decide which of the above business models works best for your club.

You will have to make a decision one way or the other since establishing a business entity is a requirement for tax purposes.

About the author:

Chris Hickman owns a full info site about investment clubs. Check Out his site at

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HOW TO STAY FOCUSSED AND BUILD YOUR BUSINESS

2008-03-12T02:39:00.002-07:00

by:
Matt Bacak

You have a detailed business plan, which showed the overall intent of your company. You presented the business plan to your bank before start-up and they submitted funding in the amount that you both deemed acceptable. The original business plan contained the basis of the procedures that will help you stay focussed while the company grows. Let's examine some of these processes that you will use to give your business the focus it needs to grow and succeed.

1. A marketing plan. If sales are a part of your operation (and it seems that some form of selling is always a big part of every company), then, you will need to have your sales group focussed on a marketing plan. Short term and longer-term analysis should be a part of this planning and will likely contain an analysis of your competition, market potential and sales projections. Be careful not to fall into the trap of letting “the business take care of itself”, stay focussed at all times and be sure your managers are tuned into this market monitoring regularly, nothing is more defeating to the general manager/owner than to be told by a sales manager…I didn't see that coming! YIKES!

2. Accounting procedures. If sales are important, then the need to stay focussed on receiving the proceeds from sales is equally important. Accounts payable, expenses and accounts receivable need to have fixed procedures in place to allow money to flow freely through the company coffers. Focussing on these procedures at regular weekly and monthly meetings will put the accounting and marketing groups on the same path. A rift between marketing and accounting is a common bureaucratic occurrence; so don't be surprised if one point you hear from someone from sales state, “We make the money here, how come I have to live by their rules?” Getting these two operations to stay focussed on a bottom line results oriented approach is a regular part of an owner's job description.

3. Human resources. If you have ever worked for a manager, who considered his employees as expenses rather than assets, then you will be familiar with the need for managers to stay focussed on human resources within the company. A manager who is fixated on staff reduction regardless of their accomplishments will create an atmosphere of fear. Certainly, no one wants to be grossly over-staffed, but a good owner/manager will focus on keeping adequate employee base numbers, and ensure continuing training, safety programs and top of the line employee benefits. It's your campground, why not have “happy campers?”

4. Selling your business. This does not mean selling in the true literal sense. It means focusing on being sure your company image is one that is the envy of your competitors and is known in the business world as a first class operation. You can do this by having key managers attending industry conferences. Be clear and tell them that their focus at these seminars is to network, thoroughly gathering as much new information that they can. They should also 'sell' other attendees on the importance and efficiency of their company in the industry. Upon their return, have follow-up meetings with these managers where they will report in detail on what they have learned. Managers attending conventions and seminars should take opportunities to enjoy themselves, nevertheless, they will be the “face” of your company, it's wise be sure that they focus on making them business meetings, and not all “playtime.”

If planning, organizing, staffing, direction and control are five major factors in managing a company, staying focussed throughout the process, is paramount!

About the author:

Matt Bacak became "##1 Best Selling Author" in just a few short hours.
Recent Entrepreneur Magazine’s e-Biz radio show host is
turning Authors, Speakers, and Experts into Overnight Success Stories.
Discover The Secrets

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How to Stop Waste, Fraud and Abuse

2008-03-12T02:39:00.001-07:00

by:
Chris Anderson

Each year, businesses write-off six percent of revenue to waste, fraud and abuse. But why would managers throw all that hard-earned money away when there is a reliable way to eliminate waste, fraud and abuse using accounting policies & procedures to create internal controls. Internal controls eliminate uncollectible receivables; prevent theft or embezzlement; optimize inventory; and stop waste, fraud, and abuse. Utilizing just a single control will add real money to your bottom line each month.

Look for Easily Customizable MS-WORD files to Save Time

You can quickly and easily develop customized procedures and internal controls for your organization, no matter what size it is. WORD templates reduce the stress of writing clear internal controls, policies or procedures; of staying late at the office to research “best practices” or of worrying over what format to use.

Use Prewritten Text by Industry Experts

It's much easier to edit prewritten controls than to develop them from scratch. Let experienced CPAs, auditors, and business process experts think through the steps for each procedure or form. Then, save even more time by using the resulting content that technical writers have edited in MS-WORD instead of re-entering the text.

Vital Procedures Resource used by Thousands

Accounting Policies and Procedures is one such vital resource used by thousands of executives and managers to strengthen their financial operations. Such a manual contains an introduction to accounting, an explanation of how to create your own controllers manual, an example of a complete prewritten manual, ample policies, procedures and forms for the most common processes (revenue, cash, assets, purchasing and administration), a detailed index to every keyword, phrase and regulation used, plus a Guide to Embezzlement Prevention.

Examples for Every Owner or Executive

Every month executives share their stories about satisfying their auditors with new controls, of increased earnings found in their business and how much time was saved. So, if you want to increase the profits of your business then consider an Accounting Policies & Procedures manual.

Help Your Business Grow Now

Can you afford to let a single precious hour pass without finding out what Policies and Procedures can do for your business?

About the author:

Chris Anderson has over 18 years of sales, marketing and business management experience working with business process design, software and systems engineering for over ten years. He is also co-author of policies and procedures manual products, producing the layout, process design and implementation to increase performance.

Visit: http://www.bizmanualz.com?src=ART68

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How To Write A Quick & Relatively Painless Business Plan

2008-03-12T02:38:00.000-07:00

by:
David Silva

If you've never written a business plan before, the idea alone can be overwhelming.

It doesn't have to be the nightmare of your imagination.

Traditionally, a business plan is used to secure funding from a lender or a potential investment partner. It serves as something akin to your business's resume, outlining the purpose and scope of your business, identifying the goals, marketing and management, and establishing a basic balance sheet.

Now, even if you aren't going to seek additional funding, even if you're going to grow your business by yourself from your office at home, you'd be wise to put together a business plan. Simply going through the process has value. It'll help you develop a clearly defined vision of what you intend to do with your business and how you intend to do it.

These are some of the questions you should already have asked and answered before you sit down to write your business plan:

== What "want" does your business fill, and what service or product will you be providing to fill that want?

== Who will be your potential customer (this should be an established, niche market with die-hard buyers).

== Why will people purchase from you as opposed to the business down the street (in other words ... what's your Unique Selling Position)?

== How do you intend to reach your customers? A storefront? An ad in the phone book? Direct mail? An Internet campaign? Selling door-to-door? A combination of these?

== Will you need additional funding and if so, how much will you need and how do you intend to secure it?

Okay, so let's take a look at what you'll want to include in your business plan.

Most business plans are structured to examine four primary areas:

1. Executive Summary - a decription of the business

2. How you intend to market the business

3. How the busines finances will be arranged and handled

4. How the busines will be managed

Let's take a further look at these.

Executive Summary: what the business will do, its Unique Selling Position, the business goals, its ownership and legal structure, your skills and knowledge and how they will benefit the business.

Marketing The Business: describe your product or service, identify your market niche, how big it is, and how you plan to reach it. Define your customer, identify your competition, detail your pricing plan, outline how you intend to attract and convert customers.

Financing The Business: estimate your start-up costs, project your monthly operating budget for the first year, outline your ROI (return on investment) and cash flow for the first year, project your income and expense balance sheet for the first two years, explain how you're going to compensate yourself, establish who will maintain the accounting records and how they'll be maintained, and if you're in need of funding, explain how much you need and how it'll be used by the business.

Managing The Business: how will the business be managed day-to-day, what the hiring and personnel procedures will be, how the products or services will be developed and how they'll get into the hands of your customers. You'll also need to account for equipment the business will need, and how insurance, rental agreements, etc. will be handled.

That's it. In a nutshell.

If you'd like to see some free sample business plans to get a better idea of how they're structured and how they read, here's a good source for you: http://www.bplans.com/sp/businessplans.cfm

About the author:

David Silva
Business Starter Tools

If you'd like to take the quickest, straight-as-an-arrow path to Internet success, then learn from one of the most successful Internet entrepreneurs ever, Mark Joyner:

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Accounting Police: Do They Exist?

2008-03-12T02:37:00.002-07:00

by: John Day

Who created accounting principles? Who sets and revises accounting
standards? What if you don’t follow all the rules, do you go to jail? Is
there an accounting police force that investigates and arrests violators?
It would seem that there must be some regulatory force to make sure that
providers of financial statements conform to the rules. There is, up to a
point, and here is how it works:

Mainly, it’s all voluntary and it works pretty well. First,
double-entry accounting originated in Italy in the 1400’s, so its been
around awhile. Accounting principles have evolved over the years just as
have accounting standards. The reason why the system works is that the
business community could not function if there was not commonality and
consistency in financial statement reporting. It would be chaos, much like
if there were no driving rules of the road.

Therefore, in the United States, a body of experts known as the
Financial Accounting Standards Board (FASB pronounced Fasbee) was
established in 1973, which superseded another board called the Accounting
Principles Board (APB). The FASB members go through a lengthy process of
analyzing and reviewing problems in the accounting field that are brought
to them. After much thought, they will make a pronouncement as to what
they think the new or revised way of approaching the treatment of an
accounting issue should be.

They are a non-governmental organization that has private financing. A
big supporter of FASB is the American Institute of Certified Public
Accountants (AICPA). Many Certified Public Accountants (CPAs) belong to
this prestigious organization and are obligated to abide by its guidelines
and principles of behavior. Other countries no doubt have similar
organizations that require high levels of accounting professional conduct.

FASB established an accounting code called “Generally Accepted
Accounting Principles” or (GAAP). The assumption is that if a business
financial statement is prepared according to GAAP, then the user of that
financial statement could rely on or trust the information more readily
than if not prepared according to GAAP. Those businesses that deviate from
GAAP, and many smaller businesses do, cannot say that their statements are
prepared under GAAP; in fact, they should inform the reader that they are
not. However, let the buyer beware.

One governmental body that has a policing function is the Securities
Exchange Commission (SEC). It is primarily concerned with public companies
because their job is to protect investors from unscrupulous acts.
Recently, the SEC has gotten into the act of establishing accounting
standards. It has its hands full today.

Since most businesses use their financial statements to prepare their
required income tax returns, the Internal Revenue Service (IRS) may audit
those tax returns and review the financial statements upon which the tax
returns are based. Not following the rules can get you in trouble with
this governmental body.

You can see that in many ways compliance to the principles and
standards is a mixture of voluntary and regulatory behavior. Currently,
there is an effort underway to set international accounting standards due
to the inexorable globalization process. This is a massive undertaking
that will take years, but it is obviously necessary and inevitable.

Internal Control: A Preventive Maintenance Program

2008-03-12T02:37:00.001-07:00

by:
John Day

You read about this in every newspaper in every town in the entire country: Some bookkeeper, trusted by the owner of a small business, embezzles thousands of dollars. If the theft doesn’t put owner out of business, it certainly causes a major headache.

The reason we hear of these cases so often is that, in a small business, there may only be the owner and a bookkeeper. The owner doesn’t like doing the books, doesn’t understand them, and relies on this one person to take care of things. The bookkeeper, who is usually having personal financial difficulties, takes a small amount of money intending to pay it back. No one seems to notice, so more is taken. Over a period of time, it starts to mount up to a lot of money.

This is where the concept of “internal control” comes in. Essentially, every business should have, at some level, an internal control system in place to protect against losses, both intentional and unintentional. This is because “internal control” systems will: 1) protect cash and other assets; 2) promote efficiency in processing transactions; and, 3) ensure reliability of financial records. An internal control system consists primarily of policies and procedures designed to provide reasonable assurance that these three objectives will be achieved. The size and complexity of the business will determine the extent of the internal control system.

Regardless of size, one of the most important aspects of an internal control system is the concept of separation of duties. Separating duties makes it more difficult for theft and errors to go undetected. It is highly unusual for two employees to “collude” in an effort to steal from the company.

I worked as an internal auditor for a newspaper chain for three years. My job was to walk in to the newspaper offices unannounced and go directly to the cash boxes, count them, and verify receipts. One of my most important audit steps was to make sure the internal control procedures were in place and working properly. Here are a few suggestions for internal control procedures regarding handling of cash:

- Allow only specific designated individuals to handle cash.

- Give responsibility for bookkeeping to an individual who does not handle cash.

- Use numbered receipts to document all payments.

- Make all bank deposits promptly.

- The person who prepares the bank reconciliation should be different than the one handling cash.

- If possible, the person who makes the bank deposit should be different than the one who handles the cash and the one who prepares the bank reconciliation.

- Make deposits intact with no amounts withdrawn to pay expenses.

- Keep cash and checkbook in a locked drawer or cash register.

- Since tills will never be 100orrect all the time, establish a tolerance level for overages and shortages to determine the point at which corrective measures will be triggered.

- Make all disbursements by check, except minimal amounts paid from petty cash.

- Make certain every payment is related to a paper document, such as a voucher, to ensure that a paper trail exists for all disbursements.

- Conduct random surprise counts of petty cash and cash drawers.

- Count inventory and other assets frequently and compare with company books.

An internal control system set up early as a preventative measure is more efficient than establishing a corrective system in reaction to a loss. If it so happens, that there is just you and the bookkeeper in your small business, you need to learn how to do some of the bookkeeping tasks so you can spot check the bookkeeper’s work. That, in itself, is an excellent preventative measure.

About the author:

John W. Day, MBA is the author of two courses in accounting basics: Real Life Accounting for Non-Accountants (20-hr online) and The HEART of Accounting (4-hr PDF). Visit his website at to download for FREE his 3 e-books pertaining to small business accounting and his monthly newsletter on accounting issues.

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Is Incorporating Your Small Business Best For You?

2008-03-12T02:35:00.001-07:00

by:
Jeff Schuman

There comes a point in time when every small business person

contemplates on whether to incorporate their business or not. A

lot of times small businesses start out sole proprietorships,

and then become incorporated as the business expands and

develops. Small business incorporating can be a difficult

decision, and with this article you’ll gain a little bit of

knowledge on the advantages and disadvantages.

There are many advantages to incorporating your small business,

but limited liability is one of the biggest advantages. When

you have sole proprietorship to the company all the liability of

the company is on the owner. When incorporating the business,

your only liability is to however much you invest in the company.

With sole proprietorship, all of your personal belongings, such

as car and home, can be turned over to help pay the debt of the

business. As a shareholder in the business, you have no

responsibility whatsoever for the debts of the business, that is

of course unless you give a guarantee.

Another advantage to incorporating a small business is the

ability to raise money so much easier. With the ability to

raise money much easier, this increases the odds of the

corporation growing and expanding. Yes, you’re saying any sole

proprietorship can borrow money and incur debt like any

corporation. However, with a corporation you can sell shares

and raise equity capital, which is a big advantage in that you

generally don’t have to repay equity capital and it has no

interest.

There are many tax advantages with becoming a corporation that

you can take a look at as well. Some of these advantages

include income splitting, potential tax deferral and more.

Along with the reasons above, a corporation can have an

unlimited life. The life of a corporation is not dependent on

particular individuals, but the company as a whole. With this,

the company has the opportunity of lasting forever just as long

merges with another company or goes bankrupt.

Now that I’ve buttered up the idea of incorporating your small

business, let’s take a look at some of the possible negatives.

As you incorporate your small business, there now will be two

tax returns to file each year, one for your personal income and

one for the corporation. This may not be a huge deal, but

unlike a sole proprietorship a corporation cannot deduct its

losses from the personal income of the owner. Plus, having

another tax return is the last thing another business owner

wants to deal with.

As a corporation is much larger and more complex then a small

business, therefore the cost to create one is much higher. Just

to set up the corporation will cost a lot more, then you have to

tack on the increased maintenance fees, accounting fees, and

more.

As with everything else, a larger business means more paperwork

that must be taken care of. Corporations must keep a minute

book, which contains the corporate bylaws and minutes from

corporate meetings. Reports and tax returns must be completed

neatly and in a timely fashion. All of the business bank

accounts and records have to be kept separate from personal

accounts and assets. That may sound like a load, but that is

just the start of the increased paperwork that comes with the

territory of incorporating your small business.

While there are many advantages and disadvantages to

incorporating your small business, the decision ultimately goes

to you. It is a decision that could make or break your

business, therefore much more research is recommended. However,

small business incorporating should be a thing that suites you

and others associated with you best.

About the author:

Small business grants and small business resources to help you start and run your own small business. Small business training, information, articles, loans, and more.

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Is It Necessary To Have a Business Plan?

2008-03-12T02:34:00.000-07:00

by:
scott morris

Are you planning to start a new business? Or are you considering expanding your current business and require a bank loan or investment from outsiders?

If you are going to look for an investment of capital it is quite likely that you will be required to have a business plan. If you are starting a business, despite the work involved, a business plan can prepare you for the obstacles ahead and help ensure your success.

A business plan is something that many small businesses fail to create, however, many business owners are adamant that having a written business plan is one of the keys to their present success. Creating a business plan forces you to contemplate possible obstacles to your business and prepares you to find solutions that will help you to overcome them.

To find investors or get a bank loan, they will want to see that you have the experience or resources to run the business. They will want to see your projected income as well as your suggested repayment plan already laid out. Taking the time to do this is not only important for them, but it gives you a measuring tool to verify if your business is growing properly. You can gage your success on how close to the plan your business has actually performed. Perhaps you'll do worse, or perhaps you'll do better, either way it helps you determine how well your business is getting on.

If you have never seen a business plan before you may be concerned that is is too difficult a proposition for you to manage on your own.

While there are services available where you can hire someone to write a business plan for you, depending on your needs it may be wise to familiarize yourself with a business plan's layout. This will not only help you to provide the necessary information, but may encourage you to try your own hand at it.

There's a free tool at www.bdc.ca which will assist you in creating a business plan. Some of the topics you will be required to explain are your Market, Customer, Competition, Marketing Plan, Research & Development along with financial forecasts. You may consider hiring someone to help you with your financial sheets after completing the written part of the Business Plan.

Your Business Plan will become your guide and silent business partner - indicating where you need to improve and helping you stay one step ahead of your competition. Make it a priority to have this crucial road map for your business.

About the author:

Scott Morris's personal site on accounting business and business administration
for more information, you can visit

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Is It Worth Becoming a Partner?

2008-03-12T02:33:00.002-07:00

by:
Thomas Johansmeyer

It’s a fact of life in the Big Four :you are there to become a partner. This expectation may not be explicit in Big Four culture, but the undercurrent is undeniable. If your every decision is not focused on becoming a “member of the firm”, your career is in perpetual jeopardy. The whole reason for your being is to attain that status.

The mystique of the partnership is evaporating, and it could change the character and composition of the Big Four fundamentally. Yes, Mr. Dylan, the times, they are a-changin’. Anecdotally, more and more senior managers talk quietly – never publicly – about what their next moves would be. Those illicit conversations occurred in hushed tones away from the office – often emerging from frank advice offered to more junior staff members.

But, where do you go?

Many senior managers are considering VP and C-level positions instead of shooting for the partnership. Citing lifestyle desires (i.e. getting off the road), earning potential, and less politically charged environments, even top-performing senior managers are exploring careers outside the Big Four.

Aside from these internal pressures, up-and-comers clearly have concerns about the resilience – and costs – of the partnership structure. Once upon a time, the partnership buy-in was considered a pristine investment opportunity. The past few years, though, have called this perception into question.

It all started with Enron.

Many of the consultants and accountants in our community are still in pain from the collapse of Andersen – especially the ex-Andersen folks who have sought refuge at the remaining Big Four. Professionals who worked at Andersen, especially former partners, are acutely aware of the risks inherent in buying into the partnership. New partners, with fewer than five years as members of Andersen, were brutalized financially. Their buy-in loans were collateralized with their partnership units. The collapse of Andersen led to a negative equity situation for them; partners owed hundreds of thousands of dollars and could not divest their units to repay the loans.

A similar fear rippled through KPMG, recently. Under investigation for selling abusive tax shelters, KPMG settled with the Justice Department. The settlement included a fine of $456 million. While KPMG avoided the fate of Andersen, the resulting fine equates to around $300 thousand for each of KPMG’s 1,600 partners.

The declining interest in firm membership is supported by potential changes in firm organization. Accenture and BearingPoint have forsaken the partnership model, and both now trade on public markets. Doubts as to the protections of the limited liability partnership model are causing the Big Four to consider incorporation – instead of partnership.

Once recognized as an elite club in the accounting and consulting industries, the major partnerships are losing their mystique. The firms themselves continue to provide the best services available on the market, but the firms themselves are undergoing a fundamental shift. Every associate used to hope to grow up to become a partner. Senior managers could taste it – and would think of nothing else.

The Big Four’s preferred structure is under attack from the outside. Once considered an almost risk-free investment, we have learned from Andersen and KPMG the contrary. This investment risk is magnified by the erosion of protections offered by the LLP structure. Greener pastures lure talent from the partnership while the legal system lays siege to this venerable institution.

About the author:

Hi! I am Thomas Johansmeyer. I am an article writer with

If you have any questions mail me at webmaster@big4.com

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Issuing Warrants to Investors

2008-03-12T02:33:00.001-07:00

by:
Dave Lavinsky

When raising capital for a business venture, warrants are a common form of equity that is given to investors. A warrant is like an option – it gives the holder the right to buy a security at a fixed or formulaic price, which is known as the "exercise" or "strike" price.

Warrants are often confused with options. Options, as used in the venture capital space, are typically long term (up to 10 years). They are also typically issued to employees versus investors. Conversely, warrants act like short-term options and, unlike employee options, can be traded as an independent security.

In general, neither the issuance of warrants nor their exercise (at least by non-employees) is a taxable event. In fact, in 1984, Congress reversed the earlier position of the IRS that the expiration of a warrant is a taxable event for the issuer. However, whenever a debt security with warrants attached is issued as a package, original issue discount problems are invited.

One type of warrant that once popular as a financing mechanism for emerging ventures is contingent warrants. These warrants become exercisable if and when the holder does something for the issuer, for example buys a certain level of product. Contingent warrants are no longer used often since the SEC ruled in favor of current and periodic recognition of expense to the issuer.

Like an option, a warrant is considered a "common-stock equivalent” for accounting purposes. And, if the warrant has been "in the money" (i.e., the exercise price is below the market price) for three consecutive months, it is deemed to impact earnings per share under the so-called treasury-stock method. That is, the warrants are considered exercised, new stock is issued at the exercise price, and the proceeds to the issuer are used to buy in stock at the market price.

Warrants are a common financing mechanism and companies seeking venture capital should consider and become knowledgeable about this type of equity device.

About the author:

GT Business Plans has developed over 200 business plans for clients that have collectively raised over $750 million in financing, launched numerous new product and service lines and gained competitive advantage and market share. GT Business Plans is the sister site of GT Venture Capital

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Is Your Business Profitable?

2008-03-12T02:32:00.002-07:00

by:
Pam Newman

Copyright 2005 Pam Newman

What’s your job profitability? Do you know?

Many business owners are unsure of their profitability at a company or job level. They “think” they are making money because they have a few dollars in their checking account. Having money in your checking account doesn’t mean you are profitable. It might simply mean you haven’t paid all the bills yet, so you have a little cash. Cash and profit are two different concepts. If you don’t know your exact income and expenses for each job and your overall business, then how can you know whether you are making a profit? And, if you aren’t profitable, your business won’t last long.

Analyze Each Job

Regardless of the size of your business or your industry, profitability is something you should be monitoring on a monthly basis. To determine your profit, you must know how much you make and spend on each job. Expenditures should be tracked for direct labor and material costs on each job. In addition, you should also be tracking overhead costs and allocating them to your various jobs as applicable. There is always going to be some general overhead, but too often dollars are thrown into general overhead, when those dollars could easily be attached to specific jobs.

Intuit’s QuickBooks software program has easy-to-use features that allow you to do job-costing for time and materials, so you don’t have to worry about having to track it all manually. Rely on tools to help you run your business more efficiently and effectively.

Are you curious how you are doing with job costing measurements? Here are some quick and easy questions to gauge your job costing performance:

1. Do I track each customer’s revenue information through a detailed invoice?
2. Do I have a way of breaking down my direct job materials cost by customer?
3. Do I associate all time spent to each job accurately with actual dollar amounts?
4. Do I have access to reports to monitor profitability on each job in a timely manner?
5. Do I have a way to trend the fluctuations in job profitability from job to job, month to month, etc?

If you answered “no” to any of these, then it’s time for you to take an objective look at your financial goals. It’s time for you to implement a job costing mechanism to help you answer “yes” to all these questions. How can you track your profitability and long-term growth plans if you don’t have detail at a job level?

QuickBooks Can Help

Here are some easy ways to utilize QuickBooks effectively to help you with your job-costing process:

1. Set up the QuickBooks Item list so that you’ll have both an expense and an income aspect to each of the items. This will allow you to track your costs and your income, and will provide you profit by item.
2. Record your sales through the invoicing or sales receipt process. This will record the income aspects of the items.
3. As you purchase the product or service items, make sure that you utilize the Items tab so that it will record the cost to the appropriate item. In addition, make sure to assign your customer/job information to each line item so that you’ll have the costs associated to the appropriate customer/job for job-costing.
4. Utilize the time-tracking mechanism in QuickBooks so that you and your employees can track time by item and customer/job. No dollar value is associated with this time until you actually pay the employees within QuickBooks.
5. QuickBooks has preformatted reports that you can access to have job-costing information right at your fingertips. These are found under the Reporting menu and the Jobs/Time/Mileage option.
6. QuickBooks has the ability to provide reports for any time period you select. This will allow you to have a variety of detail over the growth of your business and to produce trending reports. You can modify the report as needed to meet your needs.

A good accounting professional can help you understand what these reports are telling you, in terms that you can use. Reports alone don’t provide value if you don’t understand them. So it is key that you understand the reporting information and how you can use that information to assist you in decision-making as you grow your business profitably.

Job-costing is easier when you set-up your accounting/bookkeeping software package and know how to use it. So, challenge yourself today to become more adept at running a financially savvy business through job-costing. Then, you’ll know, without a doubt, whether your company is profitable.

About the author:

Pam helps business owners keep money from slipping through their fingers. She is a Certified Management Accountant, Certified QuickBooks ProAdvisor, and Author of Out of the Red and Unlocking the Secrets of QuickBooks. For more information, you can visit our website at

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Managing Your Home Based Online Business – 2

2008-03-12T02:32:00.001-07:00

by:
Roy Thomsitt

In the first part of this series of articles, on managing your online business at home, I wrote about the many management responsibilities and functions you have rolled into one if you have your own sole proprietor business, with no staff. Your management task is perhaps the most difficult of all. You have to manage yourself, in all those different areas of your business such as finance, marketing, purchasing and computing.

I believe that if you think of your new home business as having different areas of management for you to concentrate on, you are more likely to succeed long term. If you can adopt some of the techniques of good management, you will end up with a more sound business that will stand the test of time. You will be a better decision maker, and it is decisions that dictate the progress or downfall of any business. Decision making needs to be unemotional and as scientific as possible, but as much as anything needs to be based on common sense. Good management is often a matter of common sense, and that is why I believe you, whatever your background, can run a successful business limited only by your ambitions.

The other virtue you will need in abundance is patience, and this an area where you definitely need to manage yourself. Impatience brings emotion into your decision making. It also brings self criticism, or criticism of others, when none is either deserved or necessary. Patience, realism and common sense combined will contribute greatly to making you a good business manager. With those three attributes, you will be well placed to learn the skills of management in the context of your own small business. You will be able to learn how the different functions of a business relate to each other and interact.

That is not easy, but over time, if you apply yourself, it will all fall into place. This is where patience is vital. Your age or background do not necessarily matter. I know that in my late 20’s I did not really understand business and how it all fitted together. At 30, I knew I needed some sort of professional qualification, and I decided on management accountancy. The syllabus was tough, with 18 exams over 2 and a half to 5 years. What surprised me was the variety of subjects to cover. There were exams in company law, business law, economics, corporate planning, marketing, production, decision making, cost accounting, management accounting, mathematics and statistics. Each subject was very different. Then, at the end, I suddenly realized that all of them knitted together. The ones I hated (law) and loved (marketing) all had a place in the scheme of things.

You, of course, have no need to study or be an expert in all of those things. But it does help to at least be aware that some of them are, in their own way, critical to your success. If you are taking a long term view of things, which you should be if you are serious about having your own home business, you have plenty of time to learn about those subjects that are most critical for your business:

Finance

Whatever your business, this is a very critical function for you to understand and manage, so when it comes to learning all you can, financial management is a priority. Much of this is again common sense, and realism, and there are many tools around to help you keep good financial records. But as I mentioned before, it is decisions that dictate the progress or downfall of any business. All decisions you make will have a financial impact on your business. However, good financial records alone will not bring the reward of better decision making. If you want to maximize the profits of your home business, you may find it helps to have other, non-financial records to aid your decisions. I will discuss this more in part 3 of this series of articles.

Marketing

Marketing is what I love most about business, and it is equally important to finance in all free enterprises. With an online business, the marketing side is an ever moving area of expertise. Offline, marketing has long since stabilised. Online, it has not stabilised at all; it is still developing and evolving. You need to be aware of what’s happening in the world of internet marketing, what has happened, and what is likely to happen. Always remember, though, there will always be a financial impact of your marketing decisions. You are obviously prepared to take risks, as you have started or are starting an online business at home. As the manager of your business you will need to balance the financial and marketing conflicts as they arise. You have to strike the right balance. If the finance director in you is too risk averse, you may stifle the growth of your business. If the marketing director in you is too cavalier, and unrealistic about sales prospects, you may ruin your business in one or two rash decisions. More on this in part 4.

Computing

If you are working online full time, or even part time, you will always need to be looking out for developments in the arenas of software and the internet itself, and maybe at times hardware. You may come across software that either improves your efficiency, makes life much easier or takes you into a new and better way of working. This is another area where knowledge is power. You need to be competitive, and sometimes you will come across new software that will make you more competitive. Try to keep abreast of things in the software marketplace, as it affects your business.

Time Management

While not a function like finance or marketing, when you work at home alone you will find that time management becomes key to your success and enjoyment of working from home. It is a subject you should always be aware of and make conscious decisions about. I will write more on this topic in part 5.

The above are just the key areas where you need to view your business from a management viewpoint, and the list of course is not exhaustive. However, pay attention to these from a manager’s perspective, and you should benefit in the long run. You will take the leap from being “employee” to “boss”, even if you are the only one you can be “boss” to.

About the author:

Roy Thomsitt is the owner and part author the home business websites and

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An introduction to point of sale software

2008-03-12T02:30:00.000-07:00

by: Jakob Jelling
Point of sale software gives business owners a convenient way of checking out customers and of recording sales. It can keep a record of the store inventory, updating it when an order is processed. It can also print out receipts, carry out credit card processing, track customers, etc. Point of sale software eases the flow at checkout terminals, while recording all the information that can help you make better business decisions.

Point of sale software allows users to input via keyboard or mouse, and some even have a touch screen interface. You can install the software on your checkout register.

When checking out a customer you can either input the sales item yourself or use a bar code scanner. The point of sale software will look up the item in the inventory and bring up the price. It can also calculate tax on the item and change for the customer.

POS software can print out receipts and reports. Point of sale software makes your business accounting a lot easier by creating reports on inventory, sales, customers, etc. Since it is already recording each sale, it can easily tell you the sales and revenue of the day.

Point of sale software can also help with credit card processing. Credit cards are the preferred method of payment. People do not want to carry around cash for all their purchases. Credit card is a convenient method of payment and if you do not have credit card processing, your business can lose some of its competitiveness.

Point of sale software receives input from the POS hardware, which is the scanning station for the credit card. The software will process the credit card payment for you. It can check that the card has not expired and is valid. You will need a merchant account for the point of sale software to do its job.

POS software is generally easy to install and easy to use. You will need to know how to update inventory and record a price change for an item. Point of sale software usually provides an easy to use interface to do this. It can make the job of the cashier a lot easier by automating the routine tasks of the day.

There is a wide variety of point of sale software available. You can choose one that fits your budget and meets the needs of your particular business. The software will have compatibility requirements with the point of sale hardware. It will also have operating system requirements such as it might need a Windows or Linux system.

Point of sale software can more than pay for itself over time by making checkout faster and doing your accounting for you. Point of sale software may be the right solution for your business and can provide you with tons of benefits.

About the author:
Jakob Jelling is the founder of http://www.cashbazar.comVisit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.

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mmaterial Values in Business Management

2008-03-12T02:29:00.004-07:00

by:
Stephan Szugat

Article Title: I

Author: Stephan Szugat

Word Count: 915

mmaterial Values in Business Management

Maybe you have already heard that in some ways immaterial values are important for business management. But you might not found how to bring them into your management processes or into your reporting packages. However, first of all we should be clear, what immaterial values are? Well, this includes the balance sheet information about intangible assets, but is going far behind it.

As we all know, decisions are mostly based on feelings or emotions, than on logical judgement. A feeling is an energy. Energy is not material, it is immaterial. The overall emotions or motivation of employees in a business is a immaterial value, it could have positive and negative impact on the business development. Does sound very esoterical for you? Might be, but today we know that our emotions drive a lot of our life.

Not only the feelings of the emplyoees have an impact on the business development, also the feelings of potenial customers have it. These customer feelings could be measured as customer satisfaction, as how customers see the company or it’s products and services and so on. There is more energy, which is immaterial, included in our business life as we are aware of.

Until today we might know about these energies or have read that businesses have to be more aware of them. But to find Solutions which are able to measure these energies are not very common and hard to find. Business Management still uses hard figures such as ratios based on financial values and just forgets that there has been more than only the numbers from the accounting and the money in the pocket.

If you only look to the accounting figures of a business, you only look to this company as if you were looking at an iceberg. You only see a fraction of the iceberg, only what is above the surface. Everything below the surface is out of your view. While the iceberg is melting away, it still brings up new parts of it self. But you only see this new parts, when the iceberg is melting. It’s just the same with the accounting figures as soon as you see them they are gone. That means they are old, it’s nice to knew them, but they relate to business already accomplished.

The accounting figures are just like to iceberg when it comes above the surface while it is melting away. Now, wouldn’t it be great to see the whole iceberg, even if a big part is below the surface? Yes, it would be great. The immaterial values of your business are just below surface. If you bring them up, you could see the whole picture of your business.

Running a business only focusing on profit could lead to running into a collapse. It might take time, but soon customers and employees will find out that just the profit counts to a specific company. Well, it’s correct, no business could survive without profit, but first of all every business has to make profit on immaterial items, such as image, motivation of employees and customers faith.

One day from these immaterial profits the financial profit arises. That’s the theory. Propably you already read about this, but have you found a way to measure immaterial values of your business? It’s not that difficult, but it needs some thoughts. First of all it is important to make a list of immaterial values which have the most impact on the business development. When this has been finished, methods to measure and valuate the immaterial values have to be found.

And at last, the values for all the selected immaterial items have to be analysed regularly. Setting up such a Reporting System for immaterial values could be a long lasting task. You might try to do it with a spreadsheet program or with a database, but either way will take it’s time. Using ready made Standard Software might be another option, but there are not much choices. In case you use the Balance Scorecard, you might think having all the data mentioned above and you might think having a good solution for analysation.

The Balance Scorecard has it’s advantages, but for a short, fast and regular analysis of immaterial values it is far to complex and much to slow. There is just the need to measure, store and analyse some data. About 30 items will be enough to have an overview of immaterial values and some material values as well. Most of the necessary data are usually already stored in every business. They only need to be concentrated into one table and have to be analysed.

Are immaterial values important for every business? Yes. This includes big businesses as well as the one-man-business, retail stores, mechanics, freelancer and so on. You may find more information on immaterial values in business management, when searching for Early-Warning-System, Early-Recognition-Sytems and something similar. You are able to find one or the other immaterial value included in Management Methods, Ratio Systems and Financial Analysis. But still, most Reports and Measurement System are based on financial data.

A Solution which every business, no matter of size, could use, is the abenetis ERS (Early-Recognition-System). It is called Early-Recognition-System, because with the used immaterial values every business could be aware of tendencies in it’s business development soon. At the moment the abenetis ERS is available only as Online-Service, but could soon be delivered as Intranet-Version, too. More details are available at our ERS-Subscription Page.

About the author:

Stephan Szugat is founder of abenetis a web-based service about Business Management Solutions focusing on the core needs of business management. This includes operational and strategic analysis especially Early-Recognition-Systems, Knowledge-Management and other Services for small and mid-sized businesses. He has approx. 15 years experience in the Finance and Accounting Area from companies of different size and from various industries. http://www.abenetis.com

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MORAL ARMOR'S Economic Warning for Americans

2008-03-12T02:29:00.003-07:00

by:
Ronald E Springer

Copyright 2005 Ronald E Springer

For years we’ve suffered under recession, prompting us to ask, When will it end? My answer is, “It’s only the beginning.”

Historically, recessions are the result of high interest rates, pushed up as the result of loose money policies. Recovery comes when citizens begin to spend more wisely, save money and pay off their debts, but not this time. Never before have credit policies been so loose for so long, and there has been no decrease in consumer debt. It’s still on the rise, but Americans are NOT fundamentally to blame; immoral monetary policy is.

Banks used to consider a safe loan applicant to have a 36% or less Debt to Income Ratio (debt divided by gross income). This percentage is a time-proven figure indicating the financial health of an individual. Now, during the worst economy in twenty years and with no signs of recovery, our banks gladly loan to applicants with a 56% Debt to Income. What has changed? Are banks suddenly more generous? I don’t think so. One good question to ask is, Why are banks willing to accept the additional risk? But the real question to ask is, Where is this money coming from?

Not one in a thousand Americans knows the true nature of our banking system, so they have no idea that what happened in 1929 is about to happen again. Nor do they know that it was done deliberately then, and is being done deliberately now.

We have in this country one of the most corrupt institutions known to Man, and I refer to the Federal Reserve. Since it’s inception in 1913, every dollar created has interest being paid on it as if it were borrowed. This debt cannot be extinguished without destroying the currency itself, and has spawned a nightmare of debt that presently amounts to over $360 Billion in interest paid per year, accounting for half the personal income tax of the nation. Due to this, America is forced to create $7 Billion daily to cover the $1 Billion it pays in interest daily due to the Federal Reserve System. This is where the public comes in.

Federal Reserve bankers have to find a way to spend $6 Billion every day while masking the inflation it causes. Throughout the nineties it was done through real estate and the stock market. Now it is almost exclusively being put into real estate. How on Earth could so many mortgage companies be offering interest only, no money down, multi-hundred thousand or million dollar loans with high applicant debt ratios?

Here is a hypothetical example of what’s going to happen: Your mortgage banker tells you that with a 56% debt ratio, you can afford a $300,000 home, no money down. You secure the loan at 4%, costing $1432 per month. A few years later, you’re thrown out of work for three months. Back payments amount to $4296 plus late fees, legal fees, etc., and another $5k on cars, credit cards and everything else. Unable to catch up, you’ll try to refinance, but interest rates have moved up to 7%. A $310,000 loan now costs $2062 per month—more than you can afford, but banks will have tightened lending policies back to 36% and you no longer qualify for the home you own anyway. Accounting for all other debt, you now qualify for a shocking $360 per month. You are trapped, and the new bankruptcy laws they pushed for will never let you walk away.

You owned this home in a perfect numbers scenario, but any complications—unemployment, salary reduction, interest rate increase, debt ratio change, bruised credit rating, depressed home values--and you’re cooked. One mishap and every financial measure works against you. Your financial angel has suddenly become your greatest enemy. Welcome to the Federal Reserve System and their freshly engineered worldwide depression.

If you were to approach the housing market fresh, you would find that you only qualify for a $55k house now, along with the market of buyers you were hoping to unload your balloon-house on. The bank forecloses, auctions it off and you’re personally responsible for the difference, which could be massive. Bankruptcy is right around the corner, and deplorably, you are the only one who will be held accountable. You will then be a debt slave as the Federal Reserve intends, and game over.

My advice is to get as financially stable as you can. Mathematically, our situation is much worse than that of the Great Depression. No matter how generous these bankers appear, pare down monthly outlays to 36% D/I or less. Set aside three to six months of mortgage payments in case you become unemployed. Make sure you can ride out the storm.

We are coming to a point in American society to where it’s either them or us, and mass awareness is the key to our survival. Most believe the Federal Reserve is a part of the government, but it’s just a name. The Fed is a private corporation set up for private gain, with a dark history of stock market crashes, financial panics, political manipulation and ultimately, mass poverty and hunger riots. Our struggle is not new: currency control has switched from public to private hands EIGHT times since our country’s inception, and needs to be reclaimed by the people, one last time.

Don’t think you can play helpless and expect our political leaders to protect you from financial calamity; they never have. You must become Morally Armed on your own. Don’t be coaxed into believing the system is optimized for the good of all. The Federal Reserve System is not an equitable institution, and it was never intended to be. They believe if they have us strung out on debt, we are no threat to them. Let us prove otherwise.

Currency reform is the most important issue facing Americans today. How it plays out will determine whether you and your children eat or not, whether you have a place to live or even a future to look forward to. The major media will ridicule anyone speaking against the Fed, so to validate history’s greatest moral dilemma for yourself, just google “Jackson bank veto.”

America must abolish the Federal Reserve System to regain control over the economy and our government. For a concise history of world monetary policy and how it shapes world events, see Moral Armor. Then share this knowledge with your friends. Email this article to everyone in your address book and stay tuned for further developments. We’ll change the system together and bring a brighter dawn to Mankind.

About the author:

Ronald E. Springer is the Author/Philosopher of Moral Armor, the world's first fully-integrated moral philosophy based on the nature of Man. Featured on The Mitch Albom Show, NBC and FOX News radio affiliates, Mr. Springer is available for interviews, speaking engagements, philosophy workshops and seminars. Please contact RonaldESpringer@MoralArmor.com or visit for details.

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Networking

2008-03-12T02:29:00.001-07:00

by:
Brian K Grinonneau

Put join a group on your to do list with a big underline, star and happy face. You’ll be glad you did for more reasons than you can count. And the advice is coming from this confirmed non-networker who, in 20 years of business, considered networking a colossal waste of time. The old dog is here with a new trick.

Business networking groups bring together people who, most times, are self- employed, successful entrepreneurs or corporate folk paid truly paid for their efforts. (see commissioned salesperson) The types of businesses these networkers represent vary, but the commonality is they meet to share, learn and become better at their craft.

The networking meetings are held at times that are fairly convenient even for the most type A business owner. Early morning, mid-day or evening are the popular meeting times and all involve food of some type, contests, and sometimes cocktails.

There is a networking etiquette that is a mix of business sense and remembering what your mother taught you. Be nice. Smile. Be genuine. Don’t show up looking to dazzle everyone you meet with your slick sales pitch. To be sure, meet a lot of people, hand out a lot of cards, but give before taking. Listen more than you talk. Question more than you answer. Care about someone else and their plight.

What’s in it for me? That’s the common question in many business conversations. Here’s what you get by joining a networking group:

New contacts--what business can’t use more contacts? The fellow businesspersons you meet might be able to use your service. They also know lots of people and aren’t shy about recommending you.

You look like an expert to your customers. As you meet new professionals, you won’t hesitate to recommend them to your customers to handle tasks you don’t. Your stock will rise appreciably with your customer for being such a willing problem solver.

Education. The meetings always revolve around a guest speaker who will bring to you valuable information about topics ranging from accounting to law, sales to hiring an employee and much more.

Friendship. Everyone can use more friends. Imagine playing golf with those that share your passion.

Advice. Ask around and fellow networkers will be glad to dispense it for free and many have already faced the same situation you now have.

Find a local networking group and get involved. It will be one of the best decisions you ever made. Go ahead. Write it down. Your to do list is waiting.

About the author:

Brian Grinonneau is the general manager of McMann and Tate Advertising, an agency working exclusively with small business clients to help them cut through the clutter and stand out from the crowd.

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Non-Profit Organizations - What Are They?

2008-03-12T02:28:00.001-07:00

by:
John Day

Definition of Fund; Assets; and Fund Balance

According to the “Financial and Accounting Guide for Not-For-Profit Organizations” written by CPAs Gross, Larkin, Bruttomesso, and McNalley, (fifth edition, pg 25) the definition of a these three terms is as follows:

- A fund is any part of an organization for which separate account records are kept.

- Assets are valuable things owned or controlled by the organization. Types of assets include cash, investments, property, and amounts owed to the organization.

- Fund balance is the mathematical number obtained by subtracting total liabilities from total assets; it is a numerical representation of the net worth of the organization, but has no other significance. Fund balances do not exist except on paper; unlike assets, they have no intrinsic value and cannot be spent. Both assets and fund balances (as well as liabilities, revenues, and expenses) are part of the accounting records of a fund.

What are non-profit organizations?

A few years ago, a dentist client of mine, who did a lot of work for low-income patients under the California medical assistance program called “MediCal”, asked me a bizarre question. He wanted to know if he could be considered a “non-profit organization” since he did so much MediCal work. At first, I thought he was joking, but he was serious. I told him that just because he charged less for his services did not qualify him to become exempt from paying taxes. In fact, he made a very nice profit. However, this is a good example of how non-profit organizations (NPO’s) are misunderstood by a large segment of the general public.

Most countries around the world have NPO’s, but outside the U.S. they are called non-governmental organizations (NGOs) or civil society organizations. These organizations are exempt from paying taxes because they provide some sort of public benefit. They are said to enhance the fabric of society. They differ from a business organization in that there are no owners. A Board of Directors oversees operations of the organization. An Executive Director, who reports to the Board, functions like a CEO of a business. Usually there is a lengthy application process to establish the mission or purpose of the organization before exempt status is granted.

According to Independent Sector, an organization that serves as an information resource for non-profit boards, there are 1.5 million non-profits that, when combined, have general annual revenues totaling more than $670 billion dollars. They report that six percent of all organizations in the U.S. are non-profits and one in twelve Americans work for a non-profit. That’s big business and has caused profit-making businesses to become alarmed that some of these NPOs are competing unfairly. Think about a private hospital as compared to a non-profit hospital. The profits of the private hospital are taxed, but the NPO hospital can apply all their profits to higher salaries, more equipment, etc. Hence, there is high scrutiny of NPOs by the Internal Revenue Service, state Attorney General offices, private watchdog organizations, and the press.

There are all types of non-profit organizations. Public charities are exempt under the Internal Revenue Service code 501(c)(3). These organizations, such as hospitals, museums, orchestras, private schools, churches, scientific research organizations, soup kitchens, etc., obviously do much more than provide free care and services to the needy. To qualify for exempt status, these organizations must show broad public support, rather than funding from an individual source. In addition, there are private foundations, colleges, universities, social welfare organizations, professional and trade organizations, and many more. Governmental organizations such as communities and agencies are also non-profit organizations, however, their accounting and record keeping is handled quite differently from 501(c)(3) organizations.

How are non-profit books organized?

Briefly, the books of an NPO are organized in the same way as a profit-making business except for a few differences. It’s okay for a non-profit to make a profit because there may be many uses the board has planned for the extra money. But, NPOs traditionally refer to profit as “Excess Revenues over Expenses” to avoid being mischaracterized as a profit-making organization. A net loss is called “Excess Expenses over Revenues”. Recall the fundamental equation that makes double-entry accounting work:

ASSETS = LIABILITIES EQUITY

Instead of the term EQUITY, a non-profit will substitute the words FUND BALANCE or more recently NET ASSETS. The concept is still the same. After subtracting liabilities from assets the difference is what is owned by the organization. Where NPOs differ in their financial statement presentation from profit-making businesses is what is called Fund Accounting. Obviously, the presentation varies depending on the purpose and size of the organization. For instance, a Little League baseball organization may only have one fund for which they have to account. They also may not have any restrictions placed on the usage of contributions they receive. Everything is straightforward.

Or, a scientific research organization may be working on various projects at the same time with funding sources made up of private and governmental grants or contracts, private donations, sales of research documents, some of it restricted to specific expenditures and the rest unrestricted. The accounting challenge is to report the revenue and expenses accurately for each fund or project and be able to combine all the funds into one cohesive financial statement.

The problem in the past for the contributors was that they could not easily tell from the financial documents what funds were restricted and unrestricted and whether their contributions were being spent properly. The Financial Accounting Standards Board (FASB) decided that all external accounting should be done using the “Net Assets” approach as opposed to the “Fund Balance” approach. Essentially, the net assets approach requires that the equity of the organization be presented with three classes of assets, i.e., Restricted Assets; Temporarily Restricted Assets; Unrestricted Assets. You can still use Fund Accounting for internal bookkeeping purposes, but for external reporting purposes you are required to disclose your restricted and unrestricted funds. If you have no restricted funds, then it is not much of a challenge.

One of the key factors in setting up non-profit books is a well thought out Chart of Accounts. In other words, this is choosing which general ledger accounts are the most appropriate for recording revenue and expenses, etc., and organizing them in such a way as to provide meaning. Some U.S. organizations simply follow the same format found on the 990 IRS form for non-profits. They do this so that their financial statements are in conformity with the way that return is organized. This makes it easy to transfer information from their financial statement to the 990 form.

Nevertheless, the main thing is to design your accounts so that they tell you exactly where your revenue came from and what expenses are related to that revenue. I have worked with NPOs that have not done a very good job of this in the beginning, and I can testify that it is no fun trying to straighten the accounts out later. It may be well worth the money to hire a competent accountant to guide you through the set up phase. Better yet, let your accountant review your books a couple of times a year just to make sure you are on track and save yourself some year-end grief.

About the author:

John W. Day, MBA is the author of two courses in accounting basics for non-accountants. Visit his website at to download for FREE his 3 e-books pertaining to small business accounting and his monthly newsletter on accounting issues. Ask John questions directly on his Accounting for Non-Accountants blog.

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Outside The Box

2008-03-12T02:27:00.000-07:00

by: Phillip A. Ross

Outside The Box

Thinking "outside the box" or as it is sometimes called, "coloring outside the lines" is a popular idea in the business world today. People and organizations are told to think outside the box or color outside the lines as a way to stimulate creativity when they need to solve problems like streamlining production, establishing a new product, or developing a new process. And it's true that creativity and innovation often arise from unexpected and unconventional thinking.

But there is a serious problem with trying to apply such thinking too broadly.

For instance, creativity is valued in art and advertising, but not in banking and accounting. An accounting firm recently ran an ad suggesting that it could think "outside the box." Do you really want your business to be associated with creative accounting? Aren't accountants supposed to put the numbers in the right box? Wasn't creative accounting a serious problem for Enron?

In reality, clear thinking and the creativity that it produces are rarely a matter of thinking outside the box. And coloring outside the lines is for the most part just sloppy workmanship. The art of clear thinking is a matter of putting thoughts in to the right boxes or categories. Clear thinking is a matter of mental organization. Conversely, sloppy thinking involves the confusion of categories, of putting ideas into the wrong boxes or not putting them in order at all. Is a child who will not straighten his or her room creative or just sloppy? There is a significant difference. While creativity sometimes looks sloppy to an outside observer, it does not issue from sloppiness.

Picasso was a creative artist.

But his creativity was not a matter of the art he produced. In reality his abstract work is technically sloppy. It looks like the work of a child. Picasso could sell his abstract art only because he had previously established himself as an artist who could color inside the lines very well. Had he not first proven his artistic talent in the traditional way, his abstract art would have been worth much less. He used his reputation as a traditional artist to establish a new direction in art. He didn't so much color outside the box, as he expanded the boundaries and definition of the box. But the point is that his abstract creations were valuable only because of his proven abilities in the traditional arts.

Contrast my own efforts to establish myself as an abstract artist. My art has gone unnoticed because I have not been able to prove myself as a traditional artist. Not that I actually tried to do so, but I am using myself as an example to make the point. The creativity of a novel idea requires the discipline of order and structure to be valuable. Picasso's art is valuable because he was an accomplished painter who intentionally colored outside the lines. My art is not valuable because I am not an accomplished painter and I accidentally color outside the lines. While the two products may look similar, the difference is critical.

Creativity is more than breaking the rules.

Similarly, Joseph Heller was able to break the rules of English grammar in his book, Something Happened (Scribner, 1974), only because he was intimately familiar with them. Having taught English at the University of South Carolina, he was a master of grammar. And only out of his expertise could he creatively exploit, expand and redefine the boundaries of grammar. And so it is with regard to thinking outside the box.

Thinking outside the box apart from being able to think inside the box is worthless.

Such thought is just plain sloppy. Thus, the suggestion that creativity lies in the ability to think outside the box is mostly nonsense. Creativity issues from talent, ability and discipline. Talent must be forged and shaped on the anvil of discipline in order to develop ability. Great ability is always the result of study, discipline and practice.

Creativity is more a matter of seeing that the boxes themselves are inadequate and suggesting a better arrangement or a better definition. Creativity doesn't simply discard the boxes, it redefines and/or rearranges them after becoming intimately familiar with them. Real creativity is always the fruit of discipline and order. Creativity, in order to be genuinely creative and not simply sloppy disorganization, must emerge out of discipline and order as an intentional effort.

While a creative idea often comes unbidden out of unexpected places, it requires discipline, study and order to make something of it. Apart from discipline and order, what passes for creativity is nonsense, and to suggest otherwise actually undermines and/or weakens the creative process.

What does this mean for our industry? Distributors and suppliers should apply themselves to mastering the basics before attempting to break the rules in the name of creativity. Don't start outside the box. First, establish your ability to think within the box. Master the rules before you suggest breaking them. For example, before a distributorship presents a wild, innovative concept to a client for a campaign, it should first establish its expertise with campaigns and/or ideas that have a track record of yielding good ROI. Designers, artists, and copy writers should establish their mastery of basics before experimenting outside the box. For the most part the important stuff is inside the box.

©2002 Phillip A. Ross

Pay Your Children to Work for You with the Blessing of the IRS

2008-03-12T02:26:00.002-07:00

by:
Chris Bird

Save on Taxes by Hiring Your Children

You've heard that you can't have your cake and eat it, too. But hiring your own family is one case when you can. Pay your minor or adult children to work for your business, then write it off as an expense.

Many people are confused about whether it's legal to hire their children and grandchildren. Follow my advice to satisfy both the IRS and employment laws - while saving on your own taxes. Assuming it's a true payment for services performed (and the paperwork is handled properly) it's totally legal and acceptable to pay family members.

Minor Children Save the Most Taxes

Child labor restrictions don't apply to a parent (unless it's in manufacturing, mining, or any hazardous occupation defined by the Department of Labor) - even under 16. I hired my own daughters from the ages of 7 and 9 without a hitch.

You need not pay withholding income taxes, payroll taxes (including Social Security) and Workmen's Compensation (in most states) until the child turns 18. Just remember to complete quarterly payroll tax returns, as you must for any employee. Forget about paying federal unemployment taxes until the child turns 21.

However, if your business is an S or C Corporation, you must pay Social Security and Medicare taxes regardless of their ages.

To Survive IRS Scrutiny

1. The children actually have to work

2. Pay them consistently

3. Pay them according to what you'd pay someone else

4. Keep detailed records

5. Issue a W-2 at year end and file a tax return for the child, even if no tax is owed

Example:

Wages paid to 13 year old child $6200

Less: Standard deduction for 2005 (5000)

Taxable income $1200

Tax Due (10% x $1200) $ 120

While for the parents:

Wages paid to the child $6200

Tax Savings (40% x $6200) $2480

For a net savings to the family of $2360

The income tax standard deduction is $5000 for every person in the country, including each of your minor children. So unless you pay them more than that, they won't have any tax obligation at all. And since they really earned it, the "kiddie tax rules" do not apply.

When hiring adult family members you can justify larger salaries. And they can participate in benefits like qualified retirement benefit programs and fringe benefits (like medical insurance and childcare).

Working for You Teaches Children about Managing Money and Saving

The income has to be earned by the child, so the amount needs to reflect the value of what's done. And the money does belong to them, even if it's being saved for college.

Many of the benefits of involving your children in your operation aren't tax-related at all. They're gaining practical experience, learning the value of work, and maybe how to carry on the family business down the road.

If you're wondering whether to trust my advice, I've sat on both sides of the desk. I worked for the IRS, and since leaving there have conducted almost a thousand seminars on financial planning and taxes. I speak to real estate and banking professionals all over the country, and have found that everyone wants to learn smart strategies that bring reliable financial returns - without getting them into tax trouble. In my opinion, hiring your family is one of them.

Don't hesitate to put the troops to work. When you hire your children you're teaching them skills they'll be able to use for the long haul. They're learning the value of a dollar - and how hard you have to work to earn them. And bottom line, it makes good financial sense as well.

© 2005, Chris Bird

About the author:

Chris Bird Conducts 150 seminars a year for Real Estate and Financial professionals Wealth building, financial planning, residential rentals, tax strategies, accounting Certified Financial Planner (CFP) IRS Enrolled Agent Chris@ChrisBirdSeminars.com

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Policies and Procedures Used as Management Key

2008-03-12T02:26:00.001-07:00

by:
Chris Anderson

Managers know the difficulty of getting people to do the right things the right way. And employees need their expertise and understanding of the way things should be done. But how do you get it across so it actually sticks? The answer is well-defined policies and procedures.

Quickly Convey What’s Right

Managers can convey the exact way things should be done with policies and procedures, and they can do it faster than ever with pre-written documents. This speeds an organization’s standard operating procedures project effectiveness to get results.

Create Strong Operating Procedures

Departmentally-focused manuals provide an excellent opportunity to create strong, consistent Standard Operating Procedures across multiple functions. This includes added savings of time and resources. Departments that benefit with improved results include:

• CEO Management - Build an effective management procedures system based on best practices for the entire organization

• CFO Controller - Simplify the job as a CFO or Controller, and speed the development of comprehensive Accounting and HR manuals

• ISO 9001 Quality Manager - Create ISO 9001 quality policies and procedures manual with prewritten policies, procedures and forms

• Human Resources Manager - Create HR policies and procedures manual with prewritten policies, procedures and forms

• Security Manager - Create complete facility security procedures and disaster recovery plans

Customize to any Business

When researching effective solutions, the content should be well-researched and follow industry-standard formats. Moreover, the applications such as MS Word-based standard operating procedures documents should be easy to edit and simple to customize for any business or organization.

Utilize Essential Procedures

Management should have a solution to implement their entire policy system with essential procedures in one concise, consistent format. And they can do it effectively and efficiently because pre-written documents:

• Saves research time

• Improves procedure writing

• Speeds policy development

• Eases document editing

• Enhances policy knowledge

• Simplifies implementation

The Right Documents

Business owners and executives should select a pre-written policies and procedures package specifically created for a particular management scope. And choose the one that identifies their role and needs.

About the author:

Chris Anderson has over 18 years of sales, marketing and business management experience working with business process design, software and systems engineering. He is also co-author of policies and procedures manual products, producing the layout, process design and implementation to increase performance. He is currently the Managing Director of Bizmanualz, Inc.
Visit:

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Press ReleaseUCLA Alumni Association Retains the Accounting Firm of Singer Lewak Greenbaum & Goldstein, LLP

2008-03-12T02:25:00.000-07:00

by:

The UCLA Alumni Association today announced that they have selected the accounting firm of Singer Lewak Greenbaum & Goldstein, LLP (SLGG) as its new independent auditor.

Los Angeles, CA July 17, 2004 -- The UCLA Alumni Association today announced that they have selected the accounting firm of Singer Lewak Greenbaum & Goldstein, LLP (SLGG) as its new independent auditor. SLGG, a leading regional CPA & Management Consulting firm, provides accounting, tax and management consultant services for a broad range of clients including individuals, family-owned businesses, private and public companies as well as nonprofit organizations.

"The Association is entering an exciting new phase in its history. We wanted a firm with roots in the Los Angeles community, a depth of resources and the adaptability necessary to support a dynamic organization's business requirements while ensuring the finest audit support available. SLGG has a solid reputation for professionalism and service with proven expertise," said Keith Brant '83, M.A. '88, Ph.D. ’95, assistant vice chancellor, alumni relations and executive director, UCLA Alumni Association

"We are excited to work with the UCLA Alumni Association, strengthening further our ties to UCLA community. We look forward to growing together as we help this innovative and award-winning Association achieve its vision to serve more than 300,000 UCLA alumni," said Lewis Sharpstone, partner in charge of nonprofit practice group at SLGG.

About SLGG

Singer Lewak Greenbaum & Goldstein LLP is the largest certified public accounting firm headquartered in Los Angeles, California. Established in 1959, the firm has grown to more than 150 professionals and support staff. Today we serve a broad range of clients ranging from individuals to family-owned businesses to public companies of all sizes. Singer Lewak Greenbaum & Goldstein, LLP has offices in Los Angeles, Santa Ana, and Ontario, California. For information, visit www.slgg.com.

About UCLA Alumni Association

One of the top organizations of its kind in the world, the UCLA Alumni Association boasts more than 88,000 members and serves as liaison between UCLA and its more than 300,000 living alumni around the world. Founded in 1936, the Association is proud of its long history of developing support for UCLA and its mission in the Los Angeles community and throughout California while offering UCLA alumni a wide array of services, ranging from professional networking to educational travel. For information about the Association, visit www.UCLAlumni.net.

Media Contact:

Mark Davis, director of communications

UCLA Alumni Association

310-206-4715

MarkD@UCLAlumni.net

















About the author:

.

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Recruiters: The Challenges of Executive Head Hunters

2008-03-12T02:23:00.002-07:00

by:
David Leonhardt

(and how the Internet is solving them)

By David Leonhardt

Once upon a time, head hunters were no more than common cannibals. Some people still view them that way, but executive recruiters are a vital link in a chain that keeps major enterprises functioning well.

The top positions at any organization dictate the fortunes of the company, the shareholders and the employees ... and often the communities in which they are located. A good executive head hunter can ensure that new company executives have the skills required for the position and the challenges ahead. He can also ensure that the right executive is chosen, one whose style will flourish in the specific environment of that company.

However, modern executive recruiters face challenges to be effective. I caught up with Esther Barzel, co-owner of the Online Recruiter Directory ( http://www.onlinerecruitersdirectory.com ).

Q: What are the main challenges of executive head hunters in today's business climate?

A: To start with, the geographic net has become much wider. A head hunter in , say, New York City or Toronto, can no longer rely on finding the right candidate right in town. In fact, the ideal candidate might be just minutes away by Internet, but he might be located in another country or even on another continent. We are looking at a new breed of executive recruiter.

Q: The Internet should make his job easier, right?

A: Yes...and no. He has to post requirements in more places and sift through more potential candidates to find the jewel he seeks. So his workload has actually increased.

Q: Plus, I presume, he still faces the challenges of yesteryear?

A: That's right. He still has to make contact with potential candidates, conduct preliminary interviews, set up meetings with the company, attend to minute details, brief the interviewer, etc.

Q: What about follow-up?

A: Yes, there is, of course, follow-up required after every interview, both with the client and with the prospect. It's a busy job.

Q: So how does the Internet make life easier for an executive recruiter?

A: Now you have online communities and bulletin boards, such as Monster.com, where you can place ads for positions. This makes it somewhat easier to cast one's net. Directories like ours help head hunters attract clients, so they can spend more recruiting and less time on business development.

Q: Don't online bulletin boards and directories just mean the head hunter has to spend more time in more places?

A: Yes and no. Online resources are more easily searched than, say, paper. Our recruiter directory gives employers the chance to search by geography or by vocation, or by the type of position. This means they can find a recruiter that specializes in pharmaceutical sales, or who specializes in accounting, or whatever field. The head hunter spends less time answering questions from people who will never be their clients.

Q: And I assume it works both ways?

A: Yes, the recruiter gets resumes from only those people who are likely candidates for the types of positions he works on. The pharmaceutical recruiter, for example will not get a resume from someone whose background is in aeronautical engineering.

Q: Wow, that's a mouthful. I don't know if I could even repeat that.

A: Many executive recruiters could not repeat it, either. So the Internet is making it easier for them to receive resumes targeted to their field of expertise, saving them time...not to mention overexertion of their tongues.

On that humorous note, we thank Esther for taking the time to explain how the Internet is making life both more complex and easier for executive recruiters and head hunters.

About the author:

David Leonhardt is a freelance writer:

More about head hunter challenges:

More about executive recruiter challenges:

More about Esther Barzel's recruiting services

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Outsourcing Is Picking Pace

2008-03-12T02:23:00.001-07:00

by: Mansi gupta
BPO or Business Process Outsourcing is a very common and mushrooming phenomenon these days. BPO can be defined as the accomplishment of a business task from some outside agency. For instance a company can ask or hire an external agency to maintain its old records and accounts. The phenomenon of outsourcing was not so well established before a decade. Initially some of the relatively small and low grade jobs like old storage record of the company were outsourced in United States. Gradually with the budding success and confidence, valuable and crucial jobs like payroll accounting, human resource tasks – recruitment, training and development of employees joined the fray.

Outsourced jobs most often involve the ones, which need to be performed on a regular or daily basis. The companies now no more perform such tasks which they used to perform themselves. Like hiring of a consultant company for training of new employees, getting advertisements made from an advertising firm across the seas.

Outsourcing has many benefits. It allows a company to identify and focus on its core competencies. The company can outsource every other task that can be taken up by outside agencies and that requires significant time and energy (like training of new employees, making recruitments, marketing and manufacturing of products etc.). This lends the opportunity to the company to fully concentrate on its core competency.
Along with this the low cost factor is equally important. The companies in US and Europe by outsourcing their jobs in countries like India, Japan and China accrue huge profits in terms of cost saving. Such savings in cost are in the form of cheap and skilled labor, manufacturing or production of the goods etc. This in turn is a result of variation in salary structure across the globe.

Outsourcing proves quite worthwhile and beneficial during the period of slump in a country’s economy. When profits are under threat and it becomes imperative to reduce the costs, outsourcing is perhaps the best way to mutilate the costs without compromising on the good quality of work. Besides this BPO also liberates big companies of labor oriented problems or issues, thereby enabling them to be more focused and streamlined to enhance their work.

There are various sectors in which outsourcing is holding grips. These are Financial sector, IT, Telecommunications, Advertising, Courier Services and Customer Support Services. A case in point can be Spectra mind that undertakes many of the crucial tasks (insurance, telecom etc.) for clients in US and Europe.

But the outsourcing process is not acceptable to everyone due to its complementary disadvantages. People often believe that outsourcing leads to drainage of jobs. It is believed to create an acute unemployment for the qualified professionals of that very nation. Moreover there the threat of delayed work failing to meet the deadlines and targets and most importantly that of leakage of confidential information is always lurking in overseas outsourcing. The companies also do not get to confront or communicate directly with their key clients which makes them all the more dependent on their offshore agencies.

Like every other phenomenon, outsourcing in business too has tail of ethics attached to it. However, the truth is that it is one of the best ways for a company to expand, enhance its growth and minimize the costs. But a company should not be just enchanted by the merits of outsourcing but should also be considerate of its pitfalls.

About the author:
Mansi gupta writes about Outsourcing topics. Learn more at http://www.outsourcingconcerns.com.

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Recruiting Excellent Job Candidates:

2008-03-12T02:22:00.001-07:00

by:
David Leonhardt

Six Easy Search Tips to Get the Cream of the Crop

By David Leonhardt

An independent recruiter, recruiting agency or executive search firm is charged with tracking down excellent potential candidates for available job positions. Despite the fact that there are innumerable people seeking positions of employment in the 21st century, it often seems to a typical recruiting agency that qualified men and women are few and far between.

Here are six easy tips that recruiting services, staffing firms, or executive search firms should keep in mind when on the hunt for outstanding potential job candidates in the 21st century.

These tips are equally applicable to companies undertaking their own search without the help of recruiting agency services. Indeed, the headaches associated with finding qualified personnel is magnified for a company undertaking its own recruitment efforts.

1. Post an Ad on an Industry-specific Job Board. Oftentimes, a recruiter will take a scattershot approach to finding candidates that are worthy of consideration for an available position. They broadcast far and wide the fact that a certain position is open and available, in big city newspapers and on major Internet job boards.

If a recruiting agency were more thoughtful about its recruitment efforts, it would realize the benefits of positing an announcement of an available position on an industry-specific Internet job board. By posting in a selective and admittedly limited manner, recruiters and staffing firms would be reaching out precisely to the pool of people most likely to be qualified for an open position.

One excellent tool for finding industry-specific job boards can be accessed at:

http://www.onlinerecruitersdirectory.com/jobboard.php

2. Use Recruiters that Specialize in a Given Field As with advertising, choosing an effective recruiter might be just a matter of targeting, particularly for a managerial or executive position. These positions can be very hard for in-house personnel directors and human resource managers. While these people do have responsibility for hiring, the search for a new employee with skills beyond the norm for their company can best be targeted by a professional executive head hunter.

The same can be said for specialized fields, such as accounting or information systems. In-house human resources staff might know all about pharmaceutical skill-sets required for a multitude of research and administration positions, but they might rarely have to deal with hiring staff to track money or to keep the computers functioning. That's when recruiting agency services specializing in IT or in accounting can come in handy.

3. Develop an In-House Referral Program. In many instances, exiting staff members can help speed up the search for quality job candidates. Employees often have contacts elsewhere within the industry, some of which may be looking for a change of employment.

By cultivating this internal resource, a personnel director can develop a wealth of ready information about prospective employees who might well serve the organization as valued employees.

4. Search Resumes Posted on Job Boards In addition to advertising on an industry specific job board, a diligent personnel director or recruiting agency will want to take the time to search and consider resumes that have been posted on job boards.

Often, a person pounding the pavement looking for employment may not have the time to take in and review all of the various available positions that have been posted on a every job board. This is even more true if a given prospect is a highly sought-after candidate, who might be still busy in a current position of responsibility.

5 .Use a Directory of Recruiters. Because there are so many different type of recruiters in business in the 21st century it can often be difficult for in-house human resources staff to pinpoint the recruiter that will be best able to meet the needs of a given employee recruitment campaign. But there are resources available, such as directories of recruiters.

One such directory is:http://www.onlinerecruitersdirectory.com

By using a professional directory, in-house human resources staff will be able to identify the most appropriate resources for their company and for the recruiting task at hand. Even staffing firms can benefit from such a recruiters directory to seek help in a specialized field they don't often work with.

6. Don’t Rush the Process. Finally, while it is an overused saying, “Rome wasn’t built in a day.” In the same vein, 99 times out of 100 there is no need to rush the process of seeking, identifying and hiring a new employee, particularly an executive level employee.

A personnel director should take his or her time to identify, screen, interview and hire the best candidate. Throughout this process, a human resources manager or specialist will rely on the services and support tools identified in this article.

By using these tips, in the long run the best possible candidate for a given position will end up being hired, and the company will benefit from the best possible employees.

About the author:

David Leonhardt is a freelance writer:

He wrote this article for the Online Recruiters Directory:

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Resume Outline - Add Structure & Flow to Your Resume

2008-03-12T02:20:00.002-07:00

by: Roger Clark
Building your resume, based on a resume outline will give it structure and flow... it provides an outline of all the things you should include in your resume.

A resume is one of the most important documents you will ever create

First you have to decide on a particular format for your resume. The two main formats in use today are chronological and functional format. Which one is best to use will depend greatly on your situation.

To build your resume you can use free resume forms located on the web. This can provide you with directions if you are having trouble building your resume. A sample resume outline would include the following sections:

The Heading

Your resume should start with the heading. You can list your basic details so the employer can contact you. You can include your name, address, telephone number and e-mail address.

NAME
ADDRESS
PHONE NUMBER
EMAIL ADDRESS

Job Objective

This is an optional section of your resume outline. Here you can tell readers what the objective of your resume is and what you are looking for.

Example:

Entry-level accounting position with medium to large public accounting firm.

The "Body" is the largest section of your resume outline
This is where you can enter details about your education, work experience and additional information. The body contains:

Education

Here you can list your educational background.
Educational Background Format: College, Degree, Major, Honors, Relevant Courses
Sample Education Section: Drexel University
BA Educational Leadership, May 2000

If you have a college education, do not list your high school information. You can also list any honors for academic excellence in this section of your resume outline.

If you are a graduating senior or looking for an internship, you can add a relevant courses section to your resume outline.

Employment History

This is an important part of the resume. Here you can list your previous employment history. If you are using a chronological resume format, you should list the most recent job positions first on your resume outline.

Example:

Drug Emporium, Wayne, PA
Cashier, June to September, 2001
Supervised customer check out
Handled the cash register
Managed and stocked merchandise

You can also list relevant volunteer activities or work experience programs if you do not have much job experience.

Achievements

If you have any special achievements you would like to announce, you can use this section. Maybe you made a suggestion that saved your previous boss a ton of money. You can list it in this section of your resume outline.

Special Skills

The remaining sections of the resume can include additional skills such as fluency in a foreign language.

References

You should leave this section out altogether. References are not required at this stage and stating that 'References are available upon request' is assumed anyway... so you just end up wasting valuable space!

Additional Optional Sections

You can add additional sections to your resume outline such as volunteer work, community involvement or honors.

You also have to decide on the layout of your resume. Choose a common font and medium range font-size, such as 12. Decide how you want to highlight the headings of the different sections. You can use bold, italics or underline to highlight section headings. Some people use bold and a larger font size to highlight their name on the resume.

The last part of your resume will probably receive little focus, so if you have a marketable skill or outstanding honor you should try to incorporate them in earlier sections of your resume.

You can find a lot of resources on the web that can provide you with free outlines and sample resume layouts. Usually an outline will differ if the resume is for a recent college graduate or a long time professional. Choose a resume outline that is specific to your career field and you can build your resume around that outline.

About the author:
Roger Clark (BSc) has over 25 years experience in career development & recruitment at a senior level through top management positions he has held with major international companies.

You can visit his "Top Career Resumes" website for a wealth of top quality information relating to the employment market.

http://www.top-career-resumes.com

http://www.top-career-resumes.com/resume-outline

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Resume Writing and Preparation is Free Online

2008-03-12T02:20:00.001-07:00

by:
Donna Monday

Creating a strong resume is a very important part of applying for a job, either online or off line. There are many resume writing services that will help you build an impressive resume for job interviews.

You can also learn how to write a resume for free by surfing the Internet for resume writing help. Many sites will show you tips and advice on choosing a resume style that works best for you.

You can also find samples of resumes, resume templates, resume software, and examples of resume cover sheets or letters.

Whether you’re looking to create a business resume, marketing resume, military resume, electronic resume, accounting resume, nursing resume, acting resume, sales resume, teacher resume, executive resume, student resume or a customer service resume, you can find great advice online with a little research.

When preparing your resume, keep in mind that employers use resumes for several purposes:

** Screen Applicants – Most employers will only look at a resume for about 30 seconds to determine whether or not an applicant is a good fit for their organization.

** Develop Interview Questions – Statements on your resume can be used to formulate questions they may ask during an interview.

** Communication Skills – Employers want to see how well you express yourself.

** Qualifications – Employers will reference your resume when making hiring decisions based on how closely your qualifications match their needs.

Writing a resume isn’t easy, but by studying various tips and advice, you can learn to create a type of resume that will get you one step closer to your ultimate goal of finding a great job.

About the author:

*********************
Copyright 2008
Donna Monday writes employment related articles for

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Small Business 101: Deadly Ignorance

2008-03-12T02:19:00.001-07:00

by:
Daniel Sitter

Copyright 2005 Daniel Sitter

American small business is again in transition. Many employees, now working from home, are no longer tied to a geographic office and the woes of commuting. This is a relatively new phenomenon with hints of explosive sector growth in the days ahead. As this turbulent economy has forced downsizing, offshore restructuring and closures in large companies, many new entrepreneurs have been born. These are people, who instead of tirelessly attempting to find new employment and possibly enduring the same fate as previously experienced, are now starting small businesses and enjoying the benefits and perils of self-employment.

There's an old story telling of an Admiral's decision to fight a battle against overwhelming odds. It seems that he was approaching the coast of an enemy land, with a larger naval force closing in from behind and a great army approaching from the land ahead. He prayed and then addressed his men. He announced that their battle weary forces would land on the beach ahead, dig in and prepare for the upcoming battle. There was no turning back and no other alternative. He ordered their ships burned after they landed. Their only choice was to fight to win or perish. They defeated their enemy because he eliminated any other escape route. They were fixed on the goal of survival and none other.

That is the same attitude we as entrepreneurs must take. We can not afford to be denied. We must grow and prosper or our business will surely perish. We must constantly be looking for ways to cost-effectively market our business and increase sales. We must control costs and have sufficient cash flow for daily operations. Each of us must be persistent, relentless and vigilant. As CEO, we are the manufacturer, the sales team, the marketing department, legal office, accounting office, human resources manager, IT manager, the webmaster and so on. We can't afford to be all these positions. Our job is to sell! We must locate cost effective resources to help us grow and protect our investment in our business.

The growth of the internet has changed our marketplace as well. Years ago, a small business owner decided upon a geographic chunk of the market and set up shop. Today, that shop is typically located in an office at the entrepreneur's home. The marketplace is now the world. The costs of marketing products and communicating worldwide are so low that almost anyone can take part in this revolution. Sophisticated voice mail, cell phones, email and effective ecommerce web sites now provide the illusion of size and grandeur for even the smallest home-based business. The end customer typically has no idea whether their supplier is local or across the world. He may be dressed in a shirt and tie or in his pajamas! All that typically matters is that the exchange of product and services is successfully made for a profit.

It is critically important for the small, home-based entrepreneur to be aware of resources available to her as she makes this great leap. Too many people leap prematurely into business only to fail because of poor planning and insufficient financial resources. Do not get caught in this trap. Don't quit your day job until you have enough cash on hand to pay the bills for at least a year into your new venture. Become aware of and develop the resources available to you. You want everything possible going for you as you make this leap of faith into the entrepreneurial world.

Here in South Carolina, we have the outstanding Women's Business Center (http://www.scwbc.org), a division of the SCMEP, South Carolina Manufacturers Extension Partnership (http://www.scmep.org), one of the best kept secrets available to businesses at all levels in our State. Other States have similar programs modeled after ours. These are incredible resources, partially funded by the State and private resources, available at little to no cost to entrepreneurs, with the purpose of aiding the successful growth of small business. Some additional national resources are:

http://www.national business.org
http://www.nase.org
http://www.gosmallbiz.com
http://www.empoweringbiz.com
http://www.nfib.org
http://www.qualitybusinessdirectory.com

There are also numerous magazines devoted to small business, home-based business, marketing, sales, accounting, etc… Get tuned in to these and other resources available to you. Read your industry publications to stay abreast of competition and other facets of your business interests.

A single legal issue, FACTA problem, accounting error or marketing miscue can put you out of business. In the case of FACTA, insufficient security or poor record-keeping these days could find you legally responsible for a single employee's identity fraud issue, which may end up being very costly. A single lawsuit or vendor dispute can shut you down. Many entrepreneurs are ignorant, ill-prepared and under-schooled with regard to these and other issues. Do not get caught in the deadly ignorance trap.

There is more opportunity available today than ever before for the wise entrepreneur. Get all you ducks in a row before you make the fateful leap into the new world marketplace. Be smart, learn all you can as quickly as possible and take action on your ideas. Like the Admiral, be determined to win in the face of what may appear to be overwhelming adversity.

About the author:

Daniel Sitter is the author of the breakthrough e-book, Learning For Profit, the revolutionary how-to book providing simple, step-by-step instructions to teach people exactly how to learn new skills faster than ever before. It’s currently available from c|net’s download.com, the author’s web site and a variety of online book merchants. Mr. Sitter is a contributing writer for several online and traditional publications. His expertise includes sales, marketing, effective learning techniques, self-improvement and general business interests.

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Starting An Online Business From Home

2008-03-12T02:18:00.001-07:00

by:
J. Elisha Burke

Many people believe that starting an online business from home is difficult. In fact it is quite easy. If you are already familiar with what product you will sell you will need to create or hire someone to produce an online website for you. This website should list the product or products you have available. If you will be selling your own products, make sure that your online business has a name that reflects you and what you offer.

After this has been completed, you should inquire in your local state to learn the guidelines necessary for you to run a business from your home. Many states require that even an online business register with them and receive a business license. You will have to get the necessary forms to request this license.

After you have obtained you license, you should also find out how running an online business from home will affect you tax situation. You would still need to report any income you make from your business, even if you are working at home.

After all this paperwork is completed for you business, it is important to set up your home office for you new job. It is suggested that you have a separate space to conduct

your business affairs. A separate phone line that customers can call is also very necessary and I strongly suggest you get a fax machine. You will lose customers if you are not able to be reached by telephone, fax and e-mail. Having a separate phone line from the rest of the house is essential!

Other than a second phone line, it is also a good idea to buy the necessary hardware and software for you home office. You will save lots of money if you have your own fax machine, scanner, and printer. Also it is probably wise to have the latest software additions for word processing and accounting. The accounting software is especially useful for you to keep track of all expenses and revenue for your online business.

When you have established the business and things are going well, it is a good idea to consider outsourcing. This would mean hiring someone to take care of the little jobs that

you would have to do such as email or letter correspondence or creating marketing brochures. By doing this, you will be able to focus on the more important areas of making money and marketing your business, which will be key to your success.

Copyright 2005 Burke Publications All Rights Reserved

About the author:

Dr. J. E. Burke, an educator and entrepreneur, has been involved in various business enterprises via his business, Burke Publications for 11 years. Dr. Burke is an educator, writer and motivational speaker on a variety of topics. He is also known for his expertise on nonprofit organizations and grant proposal writing. Dr. Burke can be contacted at or

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Surprise! Accounting is the Hot New Major

2008-03-12T02:16:00.002-07:00

by:
Donna Monday

There was a time when accounting was the boring college major that many people regretted signing up for. A constant barrage of numbers, statistics and spreadsheets was none too interesting.

Boy, have times changed! Thanks to recent accounting scandals by companies like Enron, there is a high demand for accountants and auditors.

According to the Job Outlook 2005 survey, accounting comes out on top as the most in-demand major on college campuses. Forget dot com start ups. Cleaning up a company’s accounting books is what’s in.

But can accounting be sexy?

“All the focus on accounting created a perception to students that accounting matters and is perhaps even sexy,” says Ira Solomon, head of the department of accountancy at the University of Illinois at Urbana-Champaign.

Colleges are scrambling to find more accounting teachers and professors to replace those retiring. Not an easy task, since there are twice as many accounting faculty openings than applicants to fill them.

Here are the top 10 most in-demand college majors as surveyed by the National Association of Colleges and Employers (NACE):

1) Accounting

2) Electrical Engineering

3) Mechanical Engineering

4) Business Administration/Management

5) Economics/Finance

6) Computer Science

7) Computer Engineering

8) Marketing/Marketing Management

9) Chemical Engineering

10) Information Sciences and Systems

If you’re good with numbers and a stickler for details, you might want to consider accounting as a good career choice. However, you’ll probably have to take a number and wait in line behind all those other future accountant hopefuls.

About the author:

***********************
Copyright 2008
Donna Monday writes employment related articles for

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Taxing Overseas Firms for SOX Compliance

2008-03-12T02:16:00.001-07:00

by:
Neil More

The Sarbanes-Oxley Act, also called the Public Company Accounting Reform and Investor Protection Act of 2002 was signed into law on July 30, 2002 by President Bush. In the aftermath of Enron, Arthur Andersen, Global Crossing, and WorldCom, SOX promises greater corporate accountability and transparency. Named after Senator Paul Sarbanes and Representative Michael G. Oxley, SOX focuses on the importance of ethical behavior in corporate governance-across the United States and now…overseas.

All countries have government-required laws like Sarbanes Oxley. In the UK, it’s the "Combined Code on Corporate Governance," in The Netherlands it’s the "Code Tabaksblatt," Germany has a "Bilanz Reform" and a "Bilanz Kontroll Gesetz." But then, why do we need SOX overseas since we already have the required laws? It’s because companies with U.S. headquarters must ensure that all foreign outposts meet federal standards. This is the major cause of concern in the management and accounting circles. According to some experts, the Sarbanes Oxley Act might have dictated convoluted rules and regulations on the U.S. businesses. While the rules are concrete ideologies that prevent accounting scandals, the constant flux in the policies confuses businesses around the globe.

SOX compliance by vendors and business partners outside the U.S. is a frightening task. The risks and complications involved in enforcing the regulations for multiple firms around the world are enormous. The U.S. firms should keep themselves abreast of the data operations and data management followed by overseas vendors. This complicates the case further as the data should be integrated in financials or entered in balance sheets. Cumbersome processing of data would step up IT-related expenses.

The global impact of SOX is tremendous. At the moment, the UK Big Four firms are feeling SOX repercussions in their consulting sectors. http://www.big4.com -a website for global Big4 alumni - receives periodic updates on the latest news and trends at the Big Four firms. The Big Four in UK reportedly lost GBP250 million in consulting fees since 2002-a direct outcome of Sarbanes-Oxley Act. Among the Big Four firms, PricewaterhouseCoopers faced a huge decline in their consulting fees. Causes for this decline can be attributed to:

·The increased cost of compliance that usurped consulting budgets.

·Independence restrictions in Sarbanes-Oxley have restrained companies from utilizing their auditors for many consulting services.

There is an apparent role reversal in consulting fees and audit services. If consulting fees have declined, audit fees have considerably increased. A whopping 30% increase in Big Four audit fees has been observed over a period of two years. This spike does not compensate for the revenues lost for consulting. Consulting was the major strength of the Big Four in the UK. But, in the present conditions, the significant decline in consulting fees clearly demarcates the performance of the Big Four in the UK.

According to a survey by an European firm, many overseas firms with their shares listed in the U.S. were not ready to meet the deadlines of Sarbanes-Oxley. Since European firms already have specific regulations, SOX compliance is extremely difficult. Some overseas firms have been attempting to get delisted from the U.S. stock markets since SOX’s inception. Foreign firms about to get listed on overseas exchanges are also resisting to get listed in the U.S. These problems would take toll on the U.S. market performance and economy. But, the exit of foreign firms from the U.S. exchanges is not that easy. As per SEC guidelines, foreign firms holding 300 or more shareholders in the U.S. cannot delist from the U.S. exchange where they trade.

In the light of these problems, the Securities and Exchange Commission-in its bid to offer sustained flexibility-started modifying rules for overseas firms listed in the U.S. The SEC would facilitate foreign firms to delist their securities that are traded on the U.S. exchanges. Modifying SEC rules to accommodate European firms would create a state of unrest among the American managements.

The SOX compliance should be an “all-encompassing” formula-that which enables governments and managements worldwide to function efficiently and in rhythm. A level headed approach to weed out this disconcert would improve the situation.

About the author:

Neil More webmaster@big4.com is an Alumni Member and Staff Writer with Big4. He writes articles on issues pertaining to the
global Big4 firms - Deloitte, Ernst & Young, KPMG, PricewaterhouseCoopers.

Neil's articles focus on latest news and happenings in Big4 Accounting, Big4 Management Consulting, Big4 Information
Technology, Big4 Tax and Big4 Legal domains.

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The Fun Of Starting A New Business

2008-03-12T02:15:00.002-07:00

by: Sintilia Miecevole
So you had that fantastic business idea, the one that's going to be wildly successful and make you a fortune - even better, you actually did something about it and started your own business. Good for you! Not everyone gets that far. Most people sit and day dream about what they might do if only ....

"The world is full of dreamers, there aren't enough who will move ahead and begin to take concrete steps to actualize their vision" - W. Clement Stone

But you got over the biggest hurdle, that first step and you actually created something.

Well done - you did more than most. Now you have the day to day details of running your business so how do you keep going?

There are several things to look at here:

1. What are you good at and what do you enjoy doing? Make two lists - one of the jobs you like and one of the jobs you don't do very well. Take the second list and have a look at what you might outsource or automate. Do you love doing those accounts or would your time be better spent in forward planning while your accountant does the sums? Must you personally reply to every enquiry or could you create a FAQ which you can post on your website and refer people to by autoresponder? In the early stages of your business you might find you don't have the money to pay someone to do the jobs you hate. Could you swap skills to get the help you need?

2. Why are you doing this? You need to be motivated to start a business and keep it going. The best way to do this is to know what the effort is for. What really moves you to get up in the morning and do what you need to do even when you don't really feel like it? Write your reasons down. Find pictures of that house, or that holiday and put them where you can see them.

3. How do you deal with those bumps in the road? Not everything you do will be perfect - sometimes things you've tried will be a disaster - it's the way you react to problems that matters. If you curl up in a ball and give up at the first sign of failure you'd better not be in business. It's all about attitude.

4. Have a plan and stick to it as far as possible but be prepared to be flexible and open minded. Sometimes the most unexpected opportunities come and you need to be ready to seize them. - as Joe Vitale says 'Money likes speed'.

5. Get a mentor - learn from someone who has done it. Someone to bounce ideas off and who can encourage you when things get tough is invaluable.

And most importantly, never let anyone put you down and never be afraid of failure:

"It is not the critic who counts, not the man who points out how the strong man stumbled, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena; whose face is marred by dust and sweat and blood; who strives valiantly; who errs and comes short again and again; who knows the great enthusiasms, the great devotions, and spends himself in a worthy cause; who at the best, knows in the end the triumph of high achievement; and who, at worst, if he fails at least fails while daring greatly, so that his place shall never be with those cold and timid souls who know neither victory nor defeat" - Theodore Roosevelt.

Don't ever forget that!

About the author:
Check out http://www.yoaccountant.comwith your host, Sintilia Miecevole and enjoy the wealth of information from careers, salaries, auditing, CPAs, consulting and taxes to resumes,forensic accounting and more. Click on to http://www.yoaccountant.comfor further information.

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The Top 10 Reasons Your Staff Wants to Quit

2008-03-12T02:15:00.001-07:00

by:
Jeff Altman

From an employee’s perspective, management often conducts itself in ways that make no sense. When the economy is slow, jobs are few and far in between or people are fearful, staff will tolerate management behaviors and policies that are nonsensical (in their eyes) or they judge are harmful.

But when staff gets together for lunch and they start critiquing management, these are the Top 10 Reasons Why Staff Quit.

10. “My boss is arrogant and believes his own press clippings.” As a result, staff feels taken advantage of..

9. “My manager micromanages rather than trusting staff to perform.” Staff hates the boss and looks for ways to resist being over controlled.

8. “My manager is crushing my drive and desire.” Hired because they were smart and energetic, the manager is afraid that she will not be seen as the shining light (the reason for success) and crushes the very qualities that made the new employee attractive to hire (and desirous of joining).

7. “My boss guesses what is needed without resorting to data or facts.” Maybe he has the facts, but they sure aren’t being communicated leaving the impression of “It’s my way or the highway.” There are a lot of new roads being built in this country and staff will leave rather than be abused.

6. “I’m treated like a child.” Look, there are often generational differences between how managers and employees work. Younger workers may have “know-it-all” attitudes and unfamiliar techniques using technology to accomplish tasks. Staff feels misunderstood and resent their boss.

5. “Manager promotes someone from a different function who does understand the job and how to be successful.” Staff does not believe they can learn from this person, judges her to be an anchor around their department and resents that they were passed over for promotion.

4. “My boss is extremely critical.” The only way they interpret their boss is pleased is in the absence of nit picking.

3. “I get ideas lobbed at me with little clarity and I have to figure out what is really wanted.” Staff is caught between a rock and a hard place and doesn’t know the target of the task or have a clear idea of what needs to get done.

2. “I don’t have sufficient resources to get the job done.” Fitting 10 pounds of stuff into a five pound bag is pretty tough. Imagine you’re the ten pounds and have to get squeezed in there! Staff often believes they have inadequate resources to get a job done.

And the number one reason your staff wants to quit:

“My company is grossly underpaying me.” Show me the money! Staff can read job ads online and learn what their real value is. As much as they may love you and their work, eventually people realize they need to pay their bills and start to think of leaving.

Your staff, the ones you are mistreating or taking for granted are your competition’s staffing solution (just as theirs is for you). Rather than taking their continued employment for granted, motivate them, excite them, coach and encourage them and they will go do anything for you (at almost any price).

Jeff Altman

Concepts in Staffing

jeffaltman@cisny.com

© 2004 all rights reserved.

About the author:

Jeff Altman, Managing Director with Concepts in Staffing, a New York search firm, has successfully assisted many corporations identify management leaders and staff in technology, accounting, finance, sales, marketing and other disciplines since 1971. He is also a certified leader of the ManKind Project, a not for profit organization that assists men with life issues, and a practicing psychotherapist.

For additional job hunting or hiring tips, go to

If you would like Jeff and his firm to assist you with hiring staff, or if you would like help with a strategic job change, send an email to him at jeffaltman@cisny.com (If you’re looking for a new position, include your resume).

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Thinks You Should Know Before You Bid On A Business

2008-03-12T02:14:00.000-07:00

by:
Sandi Razmen

Whatever your reason for going out on your own, you must keep your reason in the forefront of your mind. If you forget your reason for starting your own home business, you will not be working for yourself for long.

Self-motivation is the key to success when you start a home-based business. You need to possess the ability to push yourself ahead. Your drive and determination will be reinforced with every new sale.

Remember --- your own business is a lot like a real job. Some people go to work to play, some go to socialize, and others --- most often those who are paid in a commission or tip environment --- go to work to work and to make money. When you work for yourself, your salary is directly proportional to your productivity.

In every home business, there are certain processes that we do over and again, please factor in the most important element concerning the cost of your promotions.

What element is that? Your time!

Value your time at a certain dollar amount, and figure in your time into the cost of your promotional accounting. Because too many promoters lose sight of this concept and spend 20 hours to generate one sale while using free advertising.

The level of success that you will achieve greatly depends on the time and effort you are willing to plow into your new home business. Your organization, planning and marketing skills, will all be put into practice when you embark on your liberating journey.

Most people have a misconception about having to spend lots of money in order to advertise their home business. When you start out, you honestly will not have much money available for advertising, and if you do, you should still spend it wisely.

It is important to understand what you expect to gain from your advertising

In order to make good decisions concerning how to spend your advertising budget, you must first have a good understanding of the different types of advertising and promotion available and what can be expected to be achieved by each.

However you choose to spend your advertising dollars, you should always track the results of your promotional efforts. No business can survive the long run without some form of consistent advertising.

About the author:

Sandi Razman author of this article is offering Free Email newsletter tips, ideas and opportunities for home bused business. Get more details and signup at: for reciprocal links

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Top 7 Strategies for Writing Accounting Procedures

2008-03-12T02:13:00.002-07:00

by:
Chris Anderson

You have permission to publish this article free of charge, as long as the resource box is included with the article. If you do run my article, a courtesy reply to sean@bizmanualz.com would be greatly appreciated. This article is 909 words long including the resource box. Thanks for your interest.

Part Two of Cash to Cash Cycle Series

Part One: http://www.bizmanualz.com/articles/01-05-05_inventory_procedures.html/?ART78

Next Week: Sales

We’ve already found $250,000…so let’s find another $250,000…

Laying the Foundation

Last week, we raised the question: what would your business do with $1,000,000? To lay the foundation we introduced inventory as the first of four areas that will lead toward our million dollar goal. And you saw exactly how to achieve the first $250,000 in cash savings by avoiding delays with an increase in velocity, as well as an increase in discipline and competency. But how exactly? With time – as you saw with inventory and as you’ll see this week.

Tackling Accounting Procedures

Let’s continue that crucial theme of time with another major source on your balance sheet – specifically, accounts receivable (A/R). If you have $500,000 or more in accounts receivable then STOP! We have found it again.

Reducing Average Days Collection

Why? Because if we focus on reducing your average days collection by 50%, then your accounts receivable balance will fall to $250,000 and the result will be an extra $250,000 in your bank account. And just like that, we’re halfway to our $1,000,000 goal.

So now, let’s see how this actually works in a real-life business scenario.

Accounting Procedures Service Business Example

A service organization with $700,000 in average A/R balances needed assistance. So we examined their A/R function to understand and quantify the workflow and workload issues. Then we designed and implemented a process to improve the A/R performance.

The metrics we developed reduced their “over 60” accounts receivables by 85% and their overall A/R balance by 50% within 90 days of implementing the new procedures. With these new processes and reports, the company now tracks Average Days Collection and past due rather than just Days Sales Outstanding (DSO) as the measure of their collection effectiveness.

The result: an extra $350,000 in cash. And, again, we explicitly see the crucial role of time and how an increase in velocity and discipline directly yields an increase in efficiency and cash savings. So how can you use time to your advantage?

Methods to Design the New Accounting Process

Decrease collection cycle. Examine customer accounts that go beyond your terms. Do not wait until twice the net terms to take action.

Tighten credit policy. Examine credit process for slippage. Do you have a credit approval process? Do you perform credit checks? What standards are used to extend credit?

Reduce credit terms. Change the credit terms you offer your customers. If you offer terms of net 45, reduce it to net 30. You might offer a discount of 1% if paid within 10 days else net due in 30 days. This is equivalent to 18 % annual interest and most businesses will take those terms.

Shorten the invoice process. Bill your customers immediately. This is a big one. Many service organizations wait until the end of the month to tally billable hours and determine customer charges. Do not wait until the end of the month. This could reduce your day’s receivable by as much as 15 days right there. Email or fax your invoices to save another day or two (e.g. QuickBooks accounting software contains this feature).

Reduce billing errors. Most customers delay payments because of invoice errors. Customers won’t recognize the invoice until it is corrected and may not even notify you, the vendor, of the error until you call for collection. Again, avoiding this delay in error and time will amount to cash savings.

Train Accounts Receivables personnel. Make sure that all personnel involved are training to understand the performance metrics for their jobs. For example, a company will manage $500,000 in monthly A/R balances (that’s $6 Million a year!) using an A/R clerk who makes $30,000. But then the supervisor uses nothing more than On-The-Job (OJT) training for the clerk. Then the CFO thinks that he or she (the CFO) is really managing the money. But, in reality, that’s not the case; the clerk is managing the money day-to-day. So shouldn’t the A/R clerk receive enough training to manage such a significant amount? After all, it only takes a 6% change in A/R in one month to equal the A/R clerk’s entire annual salary. Isn’t the A/R savings worth a little extra time in training?

Maximize the Accounting Process. With the Accounts Receivable department you should use each element of the process to gain the most benefit for your business. And with time-saving procedures set in place, you will let your efficiency work for you.

Grabbing Your Policy Goal

With well-defined processes and procedures in place, you will increase efficiency by reducing your Average Days Collection. And of course a reduction in Average Days Collection means your Accounts Receivable balance will also fall, creating more cash in cash on hand. And just like that we’re halfway to our $1,000,000 goal. All you have to do is grab it.

Next week, we will look at finding still another $250,000 in the Sales function – which will give us $750,000 toward our goal of 1 Million in cash savings. So, again, not only do you aim to reap the rewards of extra savings to your bottom line, but also see more cash in the bank - $1,000,000 cash to be exact.

About the author:

Chris Anderson is currently the managing director of Bizmanualz, Inc. and co-author of policies and procedures manuals, producing the layout, process design and implementation to increase performance.
To learn how to increase your business performance, visit:

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Understanding Depreciation: It May Be More Simple Than You Think

2008-03-12T02:13:00.001-07:00

by:
John Day

Depreciation is defined as a portion of the cost that reflects the use of a fixed asset during an accounting period. A fixed asset is an item that has a useful life of over one year. An accounting period is usually a month, quarter, six months or one year. Let’s say you bought a desk for your office on January 1, for $1000 and it was determined that the desk had a useful life of seven years. Using a one year accounting period and the “straight-line” method of depreciation, the portion of the cost to be depreciated would be one-seventh of $1000, or $142.86.

Most non-accountants roll their eyes and shudder when the topic of “depreciation” comes up. This is where the line in the sand is drawn. Depreciation is far too complicated to try and figure out, or so it seems to many. But is it really? Surely the definition of depreciation mentioned above is not that difficult to comprehend. If you look closely you will see that there are five pieces of information you must have in order to determine the amount of depreciation you can deduct in one year. They are:

-The nature of the item purchased (the desk).

-The date the item was placed in service (Jan 1).

-The cost of the item ($1000).

-The useful life of the item (seven years).

-The method of depreciation to be used (straight-line)

The first three are easy to figure out, the second two are also easy but require a little research. How do you figure out the useful life of an item? Let me regress for a moment. There is “book depreciation” which is based on the real useful life of an item, and there is the IRS version of what constitutes the useful life of an item. A business that is concerned with accurately allocating its costs so that it can get a true picture of net profit will use book depreciation on its financial statements.

However, for tax purposes the business is required to use the IRS method. The IRS may have shorter or longer useful lives for fixed assets causing a higher or lower depreciation write-off. The higher the write-off, the less tax a business pays. The long and short of it is that you end up having to create a book financial statement and a tax financial statement. So, most small businesses that aren’t concerned with a precise measurement of their net profit use the IRS method on their books. This means that all you have to do is look in IRS Publication 946 to find the useful life of a particular item.

The last piece of information you need is found by determining the method of depreciation to use. Most often it will be one of two methods: the “straight-line” method or an accelerated method called the “double-declining balance” method. Let’s briefly discuss these two methods:

Straight-line

This is the simple method mentioned in the definition above. Just take the cost of the item, divide it by the useful life and you’ve got the answer. Yes, you will have to adjust the depreciation for the first year you placed the item in service and for the last year when you removed the item from service. For instance, if your depreciation for one year was $150 and you placed the item in service on April 1 then divide $150 by 12 (months) and multiply $12.50 by 9 (months) to get $112.50. If you removed the item on February 28 then your deduction will only be $25.00 (2 x $12.50).

Double-declining balance

The idea behind this method is that when an item is purchased new, you will use up more of it in the earlier years of its life, therefore, justifying a higher depreciation deduction in the earlier years. With this method, simply divide the cost of the item by the useful life years as in the straight-line method. Then, multiply that result by 2 (double) in the first year. The second year, take the cost of the item and subtract the accumulated depreciation. Next, divide that result by the useful life and multiply that result by 2, and so on for each remaining year.

But, wait! You don’t have to do this. The IRS provides tables that have the percentages worked out for each year of the two different methods. Not only that, they have set up special first year “conventions” that assume you purchased your depreciable fixed assets on June 30. This is called the one-half year convention. The idea behind this is that you may have bought some items earlier than June 30 and some after that date. So, to make it easy to figure out, they assume the higher and lower depreciation amounts will all average out.

Actually, the IRS doesn’t even call it depreciation anymore. They call it “cost recovery”. Let’s face it. This is a political tool. Congress giveth and taketh away. They have been playing with this system for years. If they want to stimulate growth in business they will shorten the useful life of assets so businesses can attain a higher write-off. If they are not in the mood, they will extend the useful life of an item. A good example is the 39 years set for the useful life of commercial property. This means that if you lease a building for your business and make improvements, those improvements have to be depreciated over 39 years. Now congress is working on a bill to drop that down to 15 years for leasehold improvements.

Before December 31, 1986 we had ACRS or Accelerated Cost Recovery System. Currently, we have MACRS or Modified Accelerated Cost Recovery System. Every time congress tweaks the rules they give it a different name.

Keep in mind there are different schedules for different properties. For instance, residential real property is depreciated over twenty-seven and one-half years and non-residential real property is depreciated over thirty-nine years. In addition, if more than forty percent of your total fixed asset purchases occurred in the last quarter of the year, then, you must use a mid-quarter convention. This convention assumes that your purchases made in the last quarter of the year were made on November 15. This prevents you from buying a big expensive piece of equipment on December 31 and treating it as though it were purchased on June 30 and gaining a larger depreciation expense.

Understanding how basic depreciation works can be valuable to the small business owner because it helps to know the tax implications when planning for capital equipment purchases.

About the author:

John W. Day, MBA is the author of two courses in accounting basics for non-accountants. Visit his website at to download for FREE his 3 e-books pertaining to small business accounting and his monthly newsletter on accounting issues. Ask John questions directly on his Accounting for Non-Accountants blog .

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What it Takes to Succeed in Business!

2008-03-12T02:12:00.000-07:00

by:
Murad Ali

Business if tough in today’s world! Most small businesses go bankrupt or are closed abruptly in the first five years. Over the course of the next five years many of the remainders also “pack up” shop and lock their doors. Why do so many businesses fail?

The reasons lie in three main spheres. Those spheres of influence can be labeled personal, customer, and operations.

The Personal Sphere deals with the owner’s personal motivation to start a business. For example, if an owner wants to start their own business, but isn’t willing to make the sacrifices necessary to make it thrive, then they are at a disadvantage when compared to other motivated businesspeople. When a business starts for the first time often it doesn’t have a lot of money. Owners are required to sacrifice time, money, and happiness to succeed. If you can’t do that, it is unlikely that such a business will flourish. Many times owners thought they could handle the hardship but once the novelty of “being your own boss” wears off they close the door.

The Customer Sphere is one of the most important components of your business. Without customers you do not have sales, without sales you do not have money and without money you do not have a business. Many factors go into generating a good customer base. In the beginning you must have a cost effective marketing strategy that targets your intended buyers. This can be done by developing a psychological profile of your customer and then advertising in those places that they frequent. Because it is more expensive to get a new customer than it is to keep one you must make sure they are satisfied with your business and product. Keep in touch with them by sending them a follow-up letter with a survey.

The Operations Sphere is only second to the Customer Sphere. In operations you must have an appropriate method of reducing costs, keeping track of paperwork, and maintaining improvement. Operations can also take into effect the tax paperwork, accounting, scheduling of workers, benefits or any non-producing functions.

If all of these three components are well thought out and are appropriately designed you will increases your chances of survival. Failure to understand the integral details of your business and what it takes to succeed may mean failure in the long run. If you are having difficulty putting all the pieces together then consider a small business consultant.

About the author:

Murad Ali is the published author of “A Call to Greatness: Reforming the Muslim World” and “An American Mecca: A New Muslim Homeland” available at most large bookstore websites. He is also the editor of the Muslim Times and a doctoral student. For more articles like this one please visit

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What Software Do You Need For Your Small Business

2008-03-12T02:04:00.002-07:00

by: Jeff Schuman
When running a small business there can be several jobs and
tasks to take care of. Obviously knowing where the money is
coming from and going is essential to running your business.
That's why it is good to find out which small business
accounting software is best for you to help you run a well
organized and efficient small business.

There are hundreds to thousands of small business accounting
software out there to help you with reports and tools needed to
use your financial data. Depending on the one you go with will
depend on how much you're going to pay for it. The more you
pay, the more accessories and programs there will be that come
with it. Some come with a billing and time module, various
amounts of financial and management reports, and more. You can
choose to get it in different editions from basic, online, pro,
or premier for your computer.

One small business accounting software that is recommended is
the 2005 Peachtree Complete Accounting. This is a multi-user
ready system that provides you with all the features needed.
You'll have features including in-depth inventory, job costing,
time and billing, fixed assets and more. With all these great
features the price of this runs between $165-$290 as it is sold
by different merchants. You can shop for this product through
the different merchants here:

http://about.pricegrabber.com/search_getprod.php/masterid=2936006/search=Peachtree%20Complete

Another feature that is offered with certain software is the
capability to scale as your business grows. That is just one of
the many features that the high end Microsoft Business Solutions
Small Business Financials North America Edition offers. Also
included in this program is the capability of keeping record of
financial management, sales, purchasing, inventory, payroll, and
reporting. This is software that will easily allow you to run
an organized small business and keep track of the people in it
and all of the numbers associated with running a small business.

This software will give you everything that you'll truly need.
With this high end software is a hefty price as it runs between
$995-4,500, so you'll have to decide how big your small business
is going to get. If you're going to be running a large small
business, then this will be worth it to help keep track of all
the payrolls and inventory and more. On the website listed
below, you'll also see a free 60-day CD demo that you can try it
out first to see if you like it.

http://www.2020software.com/products/Microsoft_Business_Solutions_Small_Business_Financials_North_America_Edition.asp

There is plenty more software to choose from, but there's a high
end software and a cheaper software to check out. If you go to
http://www.2020software.com/default.asp you'll find a list of
what this website claims the top 7 software out there. Included
on this list is the Microsoft software I have briefly talked
about just above.

This list is going to consist of the more expensive software out
there. All of the software on the list is priced at above
$1,000 with some of them reaching the $100,000 mark. While it
is pricey, it will install very easily, be very secure over the
internet and computer, and offer all kinds of features you
wouldn't even consider such as a built-in report writer to help
deliver the content in the format you need.

Now you know the general price range for accounting software and
the features you'll get for what you pay for. In order to get a
good quality software for your small business it's going to be
pricey, but it will help keep your business organized and in
tact. So don't be afraid to drop some money on software that
will help expand your business in the long run.

About the author:
Small business grants and small business resources to help you start and run your own business. Small business training, information, articles, loans and more.
http://www.sites-plus.com

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What's the difference between successful businesses and struggling businesses?

2008-03-12T02:04:00.001-07:00

by:
Jane Hendry

Copyright 2005 Attractioneering

Have you ever noticed how some businesses seem to do extremely well, and go from strength to strength, whilst the majority just seem to muddle along?

Since starting my own business I've met many small business owners and what I've noticed is that the vast majority of them seem to just about get by, but few reach the level of success that they're actually capable of. Some of them end up failing altogether, some lurch from project to project, and some do OK, but never really achieve the success or lifestyle they envisioned when they started their business.

On the other hand, I know a handful of extremely successful service business owners, who are making high 6 and 7 figure incomes every year (and rising) - and yet they don't work longer hours, their products and services are not magnitudes better than their competitors and they aren't geniuses!

So what is the difference between the successful businesses and the struggling businesses?

In a word: Marketing

Whilst there can be other factors that affect the ability of a business or practice to be successful, such as the economy, trends, cashflow and product/service quality or innovation, the number one difference between successful high-flying businesses and their struggling counterparts is good marketing.

Here is the lament of one survey respondent which is typical of the angst felt by service business owners who know they do a good job, but who don't understand why they don't have a queue of clients at their door:

"We know our products and services are good - we get great feedback from those clients we've worked with - but we still have trouble getting potential customers to buy in. Our services offer real benefits to clients but we are not as successful as we should be when we see what other companies offer (not as much) and yet are still very successful."

If you offer a quality service or product that produces great results for your customers or clients, and yet you're still struggling to get all the clients that you want or need, or to charge the fees you deserve, you probably have a marketing problem.

What do highly successful business owners do that others do not?

The first thing that they do is to realise that their primary objective is to build their practice or client base. In the words of Michael Gerber (who wrote The E-myth) they "work ON their businesses, not IN their businesses". What this involves is making the time to work on the business - in particular on marketing and product or service development, rather than spending all of their time handling clients, delivering services and dealing with administration.

They also look for areas where they can gain "leverage". Simply put, this means gaining maximum return for every hour they work. Instead of trading hours for pounds or dollars, they find ways to do the work once and get paid for it many times. They find ways to market their services one to many, instead of one to one (thus reducing marketing and sales effort and time). They delegate those activities which take up a lot of time (but which don't add much value in terms of moving the business forward) or which they are not skilled in such as admin, accounting, website maintenance and copywriting.

They also develop a success mindset, understand their strengths and weaknesses, take risks, innovate, hang out with other successful people and build a support network around themselves.

But above all, they learn how to market their businesses and create a marketing system that keeps a steady stream of prospects knocking at the door, without taking up all of their time!

About the author:

Jane Hendry helps professionals, consultants and coaches to create marketing systems that easily and consistently attract their ideal clients. To get your f*ree Attraction Marketing Starter Kit please visit

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