Tuesday, December 24, 2013

Ways to Reduce Your Home Heating Bill

Heating your home is very important in the winter months are cold. Unfortunately, it's not really cheap, if you have a heating oil or electric heat! Fortunately, there are many ways to save on your home heating costs by using modern technology. To keep your home comfortable in the winter time, contact your local heating companies professional installation. They will be able to help you install the best system for your unique home.Perhaps best way to save money on your heating costs is by upgrading your heating system to be more modern. There are different types of heating systems are Energy Star rated and certified. Energy Star certified heating equipment must meet certain criteria to qualify. 

This ensures that you are getting the savings on your purchase heating equipment. Specifically assessed this equipment requires less energy to operate. Energy Star rated products can also be quieter and more efficient heating of the home. Energy Star appliances can also make your home healthier by improving the quality of already. It also has the potential to last longer than other types of heating equipment. Ask your local heating professional to see if they offer Energy Star rated equipment.In to reduce your home heating bills away, you'll want to ensure that all equipment is installed by a professionals. A professional will be able to find a problem in the heating system, and they will also learn the best way to install the tool to minimize energy usage. The only way to make sure you have a heating system that is safe is to get it professionally installed. It is also a good idea to have a professional company inspect your home heating system on a regular basis. This will help you to find potential problems before they get too severe. 

The same company that installed the heating system you may also be able to analyze it and make repairs.Also, have a professional updating and installing new Energy Star heating equipment to replace worn-out, old and unhealthy appliances for more energy efficiency in your home. Ensure professional will also keep your system on a regular basis, to replace the filter, and search for and detect any emission may happen.These just a few ways you can save money on your heating bill. Consider contacting your local heating and cooling company to learn more about Energy Star equipment new and more efficient way of heating your home.

Monday, December 23, 2013

What You Can Do About Acne?

Think back to the three basic causes of acne and you can begin to understand why the main reason for using home care solutions and / or the treatment prescribed is (1) to unblock the pores of the skin, (2) destroying viruses, and (3) reducing oil 

• Lifestyle:. And frequency control is a good thing, but not everyone can sleep eight hours, eat three good times per day, and consume eight glasses of water a day. You can, however, still control your acne, even if your schedule is busy and not expected. Perhaps the most useful bit of information I can give you is not never pick or squeeze a pimple. Some people might enjoy picking their acne, but no matter how careful and clean you are, nearly always created a bump to appear redder and bumpier longer. Individuals can often make a "scarring," but fortunately it usually is not in the long-term sense. It's just the level that takes months if left entirely to reduce alone.Open 

• cleanse the pores and epidermis Care: Despite what you read in popular magazines and newspapers, there are magic items or strategy is right for every person and situation 

• mild cleanser: . cleaning once or twice a day with a soothing wash bar or liquid (for example, Dove, Neutrogena, Basis, Purpose, and Cetaphil are all affordable and popular) and epidermis continually fresh and Above-reducing activity and discomfort.Exfoliating solutions and masques: Various soothing medical scrubs, exfoliants, and dessert available. Items containing either granules or salicylic acid are very good that often create a look that is very soothing. Some of these products release the upper layers of the epidermis and cleanse the pores of the skin. Products containing glycolic or hydroxy chemical exfoliant leaders also soothe the epidermis 

• Retinol:. Not for shameful drug Retin-A, is a mixture of Vitamin A can help improve epidermis shedding.Kill bacteria: Antibacterial cleansers: The most famous component in over-the-counter benzoyl useful handy solution Peroxide.Topical (external) applications: This item comes in the form of solutions, lotions and potions, which is used to treat. Substances that damage the exterior of the virus include benzoyl peroxide, sulfur, and resorcinol. Some companies market these products on the Internet and TV (such as ProActiv) and more expensive than similar items that you can buy pharmacy.

Benzoyl peroxide causes red and scaly epidermis discomfort in some individuals, which disappears as soon as you stop using it. Keep in mind that benzoyl peroxide is peroxide, so do not let products containing benzoyl peroxide cause unwanted blotching your favorite clothes, tops, bathrooms, and carpet

Sunday, December 8, 2013

How to Nail Interview

Before InterviewMuch working for an interview conducted before the actual interview begins. It makes you adjust and in a good position to get a job to go to. Some suggestions on things to do before the interview: research the company - Look for companies, their web site, any news article about it. Look a little about what they are doing, and what they are looking for. You may have done this when you prepare your resume, but it will help to get your resume fresh mind.Bring - not many people do it now, and recruiters typically have a copy. However, if you bring a copy of your resume, it shows you are committed and willing interview.Bring Notepad - If you are taking notes for the interview, it shows you are willing to make notes and Recruiters interested in what you have to say.

Dress smart - Clothing that you wear to interview plays a big role in your first impression in an interview. Dress appropriately for the job and interview. If you are unsure, dress on the conservative side - recommended.Set Decorate Your Facebook Business Profile Private - It is common practice for recruiters to analyze the potential of social networking profiles, such as Facebook. Even if you do something embarrassing in there, it's a good idea to set it to private or friends only.Be In Time - Nothing gives a bad first impression than arriving late for an interview. Make sure you are on time. Be sure to consider what could go wrong getting there - a delay with public transportation, lack of parking, elevator does not work. Better thirty minutes early than five minutes too late to test your phone Off - Make sure your phone is turned off for interviews. 

Change is still an option, and if you do it's a good idea to turn off the vibration function, the mobile phone vibrates in your pocket can distract you during the interview. If you want to nail the interview, you do not have the disorder - for you or interviewer.During InterviewThis time you've been waiting for. Opportunity to speak with someone from the company and hopefully get a position with them. Some ways to improve your chances is: Smile and Be polite - When you meet a recruiter, smile and shake their hands. Be polite and cooperative. They do not want to hear about the drama of your life. A positive attitude and a sweet smile goes a long way.Don not badmouth 'your employer Previously - It may seem like it is received in time, or you may need to explain the reason you are there, but there is no reason to call to speak negatively about past employers . You might think that they could do the same to them when you search for your next job.Mention Your Goals - 

This shows the confidence and direction of your career, and the passion for what you do. If you know where you want to go, and how to position your intended purpose, it shows employers that you know what you want. It also helps employers to determine whether they want to hire you or your not.Promote achievement - The biggest tip for people going for an interview is to sell yourself. Interview convince employers that they should hire you. The best way to do this is to promote your achievements. Mention things you've done in the past to be able to meet deadlines or deliver projects or work in teams. 

Even if you have no experience, you can mention that you succeeded through coursework or certification and reached a certain score. Focus on the positives Ask a Question - This part of the interview is not just lip service. This is an excellent opportunity to show notifications and interested companies. Try to come up with some of your initial research questions, and maybe one or two of the interview itself. Questions about salary, or take a day off, or something like that is best left for later in the process when you are sure that you have job.If you want more tips on what to do after the interview, read more information about how to meet college.

Thursday, December 5, 2013

Sales Consultant - Independent Houses Compared With

There are advantages and disadvantages of both independent sales consultants and at home. There can be pros and cons to both individuals work as corporate consultants and hire. Both parties should carefully consider the benefits and risks before deciding whether to hire (or become) an independent consultant.Benefits or on-staff became an Independent Consultant for individuals IndividualsAn may have some flexibility to build their schedules and family responsibilities and other aspects of their lives if they work as independent. 

This is true as long as they provide their consulting services during the time which is also convenient for the company to give them servicesThe independent sales consultants will also have the ability to decide what type of business they want to work and type of project. They are able to use their creativity to create their own success business.Disadvantages Independent Sales ConsultantsWhen them for someone to work as an independent consultant, they are responsible for finding their own clients. It takes time and money to find enough work to create a successful business. Finding and retaining clients is an ongoing process for independent consultants.Individuals not receive benefits when working on their own and they need to find another way to get health insurance. 

These people do not have sick days or vacation time to use as they go. When they can not work, they are often much lost revenue needed.Advantages BusinessesIndependents Independent Consultant suitable for business if they do not require full-time staff. A business can save money if you only need to hire a consultant at a certain time each year. When businesses hire independent sales consultants, they can easily choose others if they are not satisfied with someone work.Disadvantages Independent Sales Consultant for BusinessesSome company has a large number of products and services for sale. The company may not be able to get the job done effectively if they do not have someone on staff full-time. They will need to go through the process of selecting an independent sales consultant or to schedule an appointment with their current sales consultants whenever they need help selling project.Advantages In-House Consultant Businesses will benefit from the House-sales consultant if they have a lot of inventory to sell or if they provide a plethora of services. 

They will be better able to manage and increase sales, while sales consultant working on the staff. They can contact their sales consultant at ease when they are ready to start a new project related to the sale or when they need help in sales plan.Disadvantages as In-House ConsultantsHiring home can be a costly consultant. A company must pay regular salaries someone. They are often asked to provide additional benefits to their employees as well. A business must also pass the recruitment process to find qualified consultants for their business. It may take time and money every time a company find they need to hire new consultants for their company.

Wednesday, December 4, 2013

Are the Right Questions to Ask Your Internet Marketing Consultant?

Finding the right SEO expert to oversee Internet marketing for your online business can be a difficult task if you are not ready to hire. Many people just doing their jobs outsourced cheapest available or the highest level of worker and hope for the best. More often than not, it ends in disaster and no one gets what they want to join deal.

You to approach an internet marketer like you are the boss looking to hire an employee, because that's what your boss, and marketers will work for you. It is important that you begin by asking. You need to see what the marketer has made and how he / she or the company will be the same direction.What some of the best questions you should be asking? The questions from the simple and basic to accurately and intuitive.

The first question to ask:? What are your goals for this project may seem like a question they have to ask you, but works to give you a feeling of marketers intended direction for your site. From there, you can get more specific questions about their tactics. Always remember to ask follow-up, though: Is This technique works best for your type of program that has been conducted in the past and some of the best clients want to know exactly where web sites are there? benefit of marketers and how they work to promote the site past.What makes you different from the competition? It is simple to see if you can get some honesty or if you have a mission statement answers cookie cutter. Want to open the lines of communication interaction, so listen to the case answer.

Have legitimacy fails to promote a website? Once again, it works in reality and they know to be honest with you. A follow-up question is, Do you expect anything else from the same problem on my site? A targeted question to ask is what is your target demographic? All this saw the end of their SEO knowledge. They have to stay in your niche market unless instructed otherwise. The goal is to provide real traffic and customers, not just to see. Want to build business.Can has details of all the services and pricing packages do you offer? Answers will be long indeed, and you may be referred back to their site to read the fine print, but this is the kind of stuff you need to know.

In all honesty, there are a few dozen questions that you have asked, but it would be enough. One last question to ask: How can I be involved in control of your SEO search here '. Although they are the experts, they still have to walk in your example-so.

Tuesday, December 3, 2013

Why Your Business Great Systems Sales

If you have a microchip to control everything from room temperature to the amount of light in the room, what you need to ask yourself why you can not use a more intelligent system to manage sales for your business. The question of course isn 't' why can not you? "This is the reason why you should? 

There are many vendors and point of sale software that is available for anyone who is interested in automating their sales system but unfortunately people do not see the need to have a good record of selling software and intelligent they are. If only the problem of recording and reporting every day how much you sell, POS software system may not be in vain but post point of sale software has been a very intelligent.Online software not only provides allows you to connect to other stores that you have, but you can also integrate with suppliers and vendors so they know the value of the inventory that you have and you can send your stock fresh when the old system of reporting depleted.

The best features that each system can have a sales program is one that will make your finances easier to plan. A good POS system can help you to identify the most productive departments and products that generate the highest sales. Make a cash flow statement or statement of income become much easier due to inventory management. Great sales and intelligent system which can make life easier for many business owners, especially those who are not in the best accountant or financial manager.

Sunday, December 1, 2013

Same More Money More motivation?

"? We must change our way of incentivising staff financial bonuses and rewards "A question I am often asked is this a challenge for companies of all sizes - try to keep good staff perform at its optimal level and also setting the poached by large enterprise companies with bigger budgets wages. I heard story after story of my trip and especially my work in business related to mining, those sweetened with big pay packages to lure them away from their current jobs. How do we balance the employer does not allow wages crack at the same time and we were delighted to perform at the highest level? Verse really do not need motivation motivationIntrinsic best described as the motivation that comes from within a person while not requiring motivation comes from external sources. Intrinsic motivation is about doing and where we find satisfying passion, associated with what we value and where we really get a sense of personal satisfaction. Do not need external motivation factors that create incentives to achieve or perform certain tasks such as when a child is obedient because consequences.In employment potential, the starting point is the process of hiring. Identify intelligence and passion for a new job should be the basis, the second skill level. 

Much easier to train someone in the technical aspects of their work rather than teaching them to love their work. The latter is akin to trying to make a slow horse speeds up - only business. Many employers take this step. Due to lack of manpower (and do not really understand the 'whole'), we tend to hire people with nowhere near the technical value, rather than considering the observations themselves.One keys to consider when both hiring and working with people is that we are all motivated by what is most important to us. We appreciate how good it is money wisely. If the satisfaction of a job well done, then simply gift. If family time, then that's what drives us. Our workers are no different. Various factors encourage individuals who differ according to what is most important to them. Press the internal driver to adapt the work around them and you will have more employees who have a tendency to be intrinsically motivated in their work both themselves and the companies reap the rewards. 

Their task then was associated with higher costs. Benefits for all people with financial and gifts that you could potentially lose a lot of time. Such as Edward Deci L observed:? "If someone is intrinsically motivated to perform an activity started to receive external reinforcement for the event, what happened in the previous study and this study shows the intrinsic motivation of money decreases intrinsic motivation, while verbal reinforcements tend to increase intrinsic motivation" -. Edward L Deci - Journal of Personality and Social Psychology 1972, Vol. 22, No. 1, 113-120And if you go to a financial reward, see incentives based on the team's performance as opposed to individual benefits effort.Good luck!

Friday, November 29, 2013

New Challenges and Opportunities Field Force Automation in 2012

2012 will be an exciting year for those interested in field force automation and related technologies. With technology touchscreen phones everywhere and tablets, extended data entry point to the highest level seen in each year, as the employee has familiarity with the technology. Force fields can benefit from the massive shift using intuitive use this technology, by conducting case studies on best practices in the industry input mechanisms and their relationships back-end technology. In fact, back-end systems can be more important for the system to function better than maintaining accurate and efficient entry into the system end.One using the most common problems you may encounter software troubleshooter to run the system contributing to the problem of user errors at the front-end. User education is therefore essential for the proper use of the system, and 2012 showed that many of the industry-wide sample. 

Consider the example of a large-scale operation using force field automation systems owned by the user. In this example, users who do not have the technical expertise to be given more frequently than users of foreign technology using their own systems. Specifies that users generally have a core competency and ability to solve problems that they know the system, and thus save the company they work for money not only for training less, but It also saves money by reducing technical support costs.As small business owner or larger the manager, it is important to consider the costs associated with deployment before all other considerations. A manager of a company with expertise in magnetic field system and the foresight to encourage the implementation of their advanced technology in their networks know this is only going to increase. 

You are in your hands some of the best technology in the industry is emphasized by new and long-term gains to be done in this sector by your employees. Competitors know that keeping on top of this technology could be their chance to get the sales history associated with your company, to keep your company on top of the game with the latest technology. Take a considered approach to expansion in this sector, while acknowledging that the widespread use of field force automation will become the standard, and thus eliminate your advantage over your competitors.

Wednesday, November 27, 2013

A stupid question, but it needs to be asked

This is a stupid question but it needs asked.Does sales letter you make many sales you want? What percentage of them to respond to your ad? What is equally important, how many of those who responded actually buy your product? How can you increase the rate of response? How many new e-mail address that you do? Do you have a strategy 'opt-in' so that you can mail them later with more offers without being accused of spamming? Let's look at the sales letter first.The headline.Does stand? Does it grab your attention you scream, "READ ME, READ ME, READ ME" On the other hand: '. Does it provide tantalizing clues to somethinginteresting. Something tangible benefits for reader.Does are asking that question can only be answered by reading the letter thecontent? Itself.Is letters are speaking to a group of people? Or one oneconversation? How many times did she say 'you' vs. number Oftimes said 'Me, Us or me. Your readers are not interested in you or what a wonderful gadgets have to offer. 

No, they are only interested inwhat can do for them. Much better they will be if They invest their hard-earned money in your enterprise.Will it helps them to become wealthy, better people, more fun or better, you make it more attractive to the opposite sex? Convince them is just one of these, or similar matters and Prices are not matter.It boils down to "What's in it for me." the old adage: "Sell the sizzle, not the steak" is as now associated with them in the old days the door knocking.Let's return to the original sales letter. How good it is for the first time? Are you satisfied with the initial response? If so, what wrong? Does it become obsolete. Makeover will put it right? Maybe it just needs a new headline.

If a good click through rate, it would appear that the The headline is buying job.Should click-through ratio to be poor I Would indicate that the text of the letter is not up to Scratch.The problem may not be in the mail, or title. It may be that you are not targeting ads people.Whatever the right to sell, a very large percentage of Population would not be interested in it.You have to find the people most interested in your especially product.You not think ads on fishing magazine.It dress is amazing how many things are directed to e-zines and Other media with little or no relevance to product.Let we assume that we are advertising in election ezines.How we know which one to use? The surest way is to sort out some of the possible and subscribe them. Ask for some back problems. 

Get a feel for the type of the readership.Would they tend to be interested in your product? Or do you have another product that will attract their attention? I've had some of my best product ideas from reading ezine that has no relevance to what I'm selling Generally the cheapest time.I tried adding the first, I believe that reader is right for my products and cheap advertising ' even pull some sales, then I put a similar ad in the best position ezine, knowing that if you work a little advertising ', larger ad will surely make good profit.Should cheap advertising 'does not work, do not give up yet. You generally get a good idea of ​​what works by analyzing Other ads in the ezine, particularly arising week After a week in more than one ezine. To type an ad 'similar but for your product and see how goes.

Copy other methods but do not copy their ads. As soon as someone has written something, immediately a copy of their deed and you need their permission to re-do it. (The main exception is if you pay People who write for you.) In the best case decide who the owner of a copy of the write before you start.Don not give up. If you have faith in what you sell, You have to find the best way of advertising it.Then up to you to write the best advertising you can get. Always remember that it is a title that should get reader's attention. Without a good title, the best advertising in the world is ignored and the only waste space, time and money.I hope I have given something to think about. In this business you can advertise your shop window. 

 The goal is to capture their attention and invite them to come and take a closer look.I wish you all the best in your business, remember, You are a very important member of the community. Without small business, the world economy will crumble over-night.By for now.

Sunday, May 5, 2013

How To Make Your Marketing Work Together

But apparently the public, do not kid yourself into thinking that marketing show business. It is not.

Think of marketing the business of selling, such as problem-solving business, such as make-wishes-business, but do not think for a moment that you are about to entertain the crowd. No matter how much you want to advertise, marketing definitely not advertising.

Related: 200 Weapons of Marketing

Sure, the ad will be seen by many people. And there are times when it works. But it certainly does not work now is almost as good as the first.

If you have a website, do not expect it to work. Planning an advertising campaign? Expect sorrow. How public relations? It does not work as well as it used to be. So what works?

The combination of marketing works. If you have a website and you are advertising with passion and run a program of publicity to tie in here, all of them will work - every part of the magic formula own particular contribution.

That is why advertising is not marketing, and email marketing is not, and phone calls are not marketing - they are not alone. But as part of a combination, they are deadly. It is a clever use of many of them.

Related: Five Ways to Gear Up Your Marketing for the Holiday Shopping Season

Marketing Combination

We know the success of selling sleep with stores mom-and-pop chalk up more than $ 1 million in sales per month and only use four marketing arms:

    Radio ads that direct people to the website and showroom.
    A website to answer questions and direct visitors to its showroom.
    Salespeople are trained to use the momentum created by radio and website.
    The free gift of blankets, a set of sheets, two pillow cases and two pillow ensures a good healthy word-of-mouth marketing after sales.

How expensive is the combination of marketing weapons? Not too expensive - but very effective. That should be your goal: marketing that is not too expensive but very effective.

Everyone knows that people look online before making a purchase. So did the trick for your online business? It is part of the trick, but being online is not marketing.

Many people continue to think that Marketing Telemarketing or couponing or social networking. All of these actions are part of marketing, but none of them the whole deal. Do you think we still do not age as a marketing weapon. If you do, you might be the only one left who feel like that.

Your job is to learn all the marketing weapons available to you, to experiment with many of them, and then identify the combination that provides maximum profits for you.

Here are some things that are not marketing brochures. People rushed out to produce brochures, thinking that all their marketing needs. Perhaps it is very important link in the chain that leads to success, but certainly not the marketing brochure itself. Maybe once, but it is not 'your parents' generation'. It to you.

Also, rejected the notion that complex marketing. Marketing would be complicated for people who can not understand the simplicity of marketing. It starts with a marketing plan, they are committed to it.

Related: Apple Simple Marketing Manifesto

Fortunes lost on a regular basis by people who expect a miracle of marketing. But the business is not a miracle marketing business. This business is patience. This is a business plan. If you expect miracles, you get ulcers.

Marketing is an opportunity to benefit your business, the opportunity to collaborate with other businesses in your community or your industry, and the process of developing long-term relationships. But miracles, no.

This article is an excerpt from The Best of Guerrilla Marketing - Guerrilla Marketing Remix (Entrepreneur Press, 2011) by Jay Conrad Levinson and Jeannie.

Monday, April 29, 2013

Running a Family Business Success From Home

Home-based businesses and family-operated business each have their own minefield of potential problems, but they are not blurred boundary traps. For home-based business owner, which means constantly striving to maintain a healthy work-life balance, both literally (the sacred established business away from the rest of the house) and emotions (hours range which allows for time with family). For family businesses, it means income without tearing the family. But what happens when the two are combined, essentially creating a company with employees all live under the same roof? World War III? You might be surprised. Here are six ways to make it work - and five companies do just that.

    Meet different personalities Family Members'

"I am an eternal optimist: I think any new idea will work well," said Matt Siegal, a father, Sanford Siegal, Siegal Cookie Diet Dr started about 35 years ago from his home in Miami, Florida. "He more than pessimistic, or a realist, as he calls himself," added Matt. When Matt saw great potential for small business from his father to grow significantly by adding a retail division, enthusiasm is off the charts. "Of course, I will consider the options carefully and consider all the possible pitfalls," says Matt, knows his father is an approach that more carefully. In conclusion, after some due diligence, which Siegal parents agree. Matt sold his software company, joined his parents in the cake business, and the company took off.

"Now the cookies are sold at Walgreen's, and GNC, as well as from mall kiosks, some of our own retail stores and on our website," offers Matt, who served as CEO and continue to jam between his own home office in Washington, DC, and the old home base in Florida.

For Mother's Cookie Diet Doctor, as Matt refers to his mother, Lyndell, who managed the books and documents, he has his own business acumen. "He's funny, he might want to play very much in the background, acting as his opinion does not count, but in fact he was very influential and very much part of the decision making process," said Matt, welcomed their personalities mix well, which is very important in business.

2. Is Defined Functions and Benefits Explore all

"All the things that one but the 4 year old," said Rich Hoy, of Bangor, Maine. Along with his wife, Angela, he runs Booklocker.com, a full-service publishing company that handles all aspects of book production and turned out 200 titles per year from the three-story home Hoys'.

"Our 8-year old son answers the door for the UPS driver, and walking up and down our office, so he's sort of our runners," quipped Rich. "19-year-old daughter to help during the school year, doing office work and packaging orders. Our middle child, who is almost 18, converting books to electronic format, and we are grooming our oldest son, who is 23, a GM one day, "added Rich. In addition, the eldest son of their intimacy serves as office manager.

While some people might assume that many family members working under one roof could be a recipe for disaster, Rich had to say it went pretty well defined for all work done and because he and Angela have different strengths.

"He has a great relationship with the author and understand their needs, so he handles the business aspects, as any technical, including our website and e-commerce system, my domain," he said by Rich. Each has their own strengths, they generally avoid conflict because each partner acquiesces people with greater efficiency in certain areas. "When we agree on a common business problems, we try to find a compromise solution, as we did in our marriage, so we can move forward," said Rich.

Because Angela also runs a successful online newsletter, Writersweekly.com, Rich manages the household, which means to manage the children. "Sometimes there are children it is difficult to get everyone pulling in the same direction. They can take advantage of, so some delineation between bosses and parents "when it comes to maintaining order, says Rich.

Of course, children are not obliged to work in the family business. "As long as they want to be involved, it was a great learning experience," added Rich, whose business relies inculcate the spirit of her son while building family togetherness.

3. Seek Input the

"We asked our daughters for their input on styles, fabrics and colors because we are not in the business of fashion, and a tween and teens are very aware of what's stylish at any given time," said Kelley DeSerpa, co-owner of hip-T, family Dual-California based business that sounds like it could be the premise for a sitcom or a Disney movie: Two mothers living in the household and an old friend, who lives on the same street, each have three daughters, starting a home business fashion accessory original ... and the fun begins.

Actually, it all started when Christine Meeks saw problems and create solutions. T-shirt, she saw, had a habit of revealing the secrets of unwanted belts when one bent, not to mention the "muffin top" waist with a low-cut jeans. So three years ago he created a simple yet practical clothing to cover up that looks like the bottom of the T-shirt. He called hip-T. Today, a growing business, with sales of more than 500 items a week through the internet and over 100 boutiques.

While hip-TS is now produced in close proximity, all sales and shipments easily at home by Kelley and his son, aged 10, 12 and 14, and Christine, and daughter, ages 9, 13 and 15. "The girls think it's cool that their mom ownership of real business, and we really want them to feel involved," Kelley said, noting that they all pitch with marketing ideas and that the girls even set up and manage page Facebook company.

4. Probably Make Your Family Feels Good About

For Siegals, cookie diet, the family DeSerpa and Meeks, all of it is about fashion. But for Cheryle and Rick Harbaugh, their business at home is a labor of love due to the special needs of their children.

The Harbaughs run Irlen Center Albuquerque, where they tried to individuals Irlen Syndrome, a visual processing disorder that significantly impair reading and depth perception. They learn firsthand about Irlen Syndrome when their 22 year old son, David, was tested in second grade reading level. "I see a testing center in Texas and brought Irlen.com site," said Cheryle, where the child is diagnosed with Irlen Syndrome and equipped for special tinted lenses that completely changed his life. Now she is able to read much easier.

"It is our children who inspired us to train for Irlen Syndrome test and then become diagnosticians, making the lens here, in our house," Rick said, adding that they not only have a home business but a means to help people another, in which he and Cheryle visitors. "We love what we do and even go out and do a lecture on the subject," said Cheryle.

The Harbaughs tried more than 4,000 people in the last 15 years of business, while their son, now 37, and their daughter, Tracy Drager, 34, helped to promote the family business to anyone they think might benefit.

5. Setting Down Time

"We are 8:00 to 15:00 every day, then we close so we could spend quality time with our children," said Kim Welch, who, with her husband, David, Orange County, California based distributor for yourself Advisor, an online greeting card companies to sell physical cards (not e-cards) that can be ordered and shipped quickly for all occasions.

Kim and David, married for six years, always wanted to work together. They make their dreams come true when they convert a spare room into an office almost a year ago. "Basically we have guests work together, but we found the hardest part is off," said Kim. "The kitchen is 10 steps away from the office, so it's easy to keep running to check e-mail or make something work related. So we came up with the 3-hour rule-shut-down, which allows us to visit family time with our kids (ages 5 and 3 ½). "Sometimes we do some work after the children were asleep, but other times we did not. Business is important, but so is the quality time with the family, "said Kim.

6. Specific workspace, or Two

Of course, before you run a family business from home, you need to set up an area in which to work, one that has adequate ventilation, electrical outlets, internet service and proper lighting.

For families like Siegals and Kim and David Welch, the home office can mean an extra room or use a part of the kitchen, dining room or living room. However, for the Hoys and hip-T Enterprises Kelley and Christine, more space is needed.

"We each have a small home office," Kelley marking dual-household business. "However, I was turned into a warehouse loft where the girls helped us label, package and ship orders." The Hoys changed their 1,000 square feet of loft office where children can operate. They also changed some extra space in their room at the office - maybe for some peace and quiet.

The Harbaughs, they convert part of their home of 4,000 square meters, located Rick tools and valuable work area, with their own Irlen testing and diagnostic centers. Rick then build their own separate tool shed.

These are just five of the growing number of examples of family businesses do work from home. By understanding why every tick, duty, respect the strengths of each other and able to compromise, seek input from all, downtime dedication, doing something you love, and - of course - has a well-chosen space in which to do all of the above , the visitors also work and live with your family under the same roof.

Thursday, April 25, 2013

Questions to Ask on Your Interview MBA Admission

MBA applicants spend a lot of time practicing their response to any questions they might face interviews go. What many do not realize that the questions they are asking for the same business school can say. "Fit is important, and interviews to assess the present," said Kurt Ahlm, associate dean for student recruitment and admission at the University of Chicago Booth School of Business. "It's a lot of schools to find out about an applicant because it is about finding the applicant about the school." You can not ask a question of time. You have to put some thought to it, according to members of the admissions committee of leading business schools. "We want to see the candidates used the question to show a genuine interest in the school," said Christine Sneva, executive director of admission and financial aid at Cornell University Graduate School of Johnson Management.Asking about the direction and vision for the school for several years to future will tell the interviewer you imagine what life is like for you on their campus, said Sneva. The same is true, he added, the question of whether the interviewer may want to be near the school, and what he did then of course delight work.Of, questions about living close to campus will only work for people still living in the area. Knowing a little about who you are interviewing appropriate. Applicants should tailor their questions to the students, alumni, and administrators, who all conduct interviews for a variety of schools, said Richard Lyons, dean of the University of California at Berkeley Haas School of Business. Lecturer owe you a good answer, he adds.In fact, Lyons said applicants must submit "a powerful question," the response has been to offer guidance on whether it is the right school for them. Three of the questions he should ask the applicant: 1. Is the school's mission and culture of any distinguishing characteristics? 2. What percentage of my classmates chose to work close to or after graduation? 3. Can you give a concrete example of how experience affects the location of the school students? People mistakenly believe that there is no way to mess this part of the interview. Ask for feedback that can easily be found on the school website or the minimum amount of research to tell the interviewer that you have done your homework, says Ahlm.Knowing interview format is also useful, and Schools and is expected to explore the basics before you sit down to chat. Some administrators do not mind if you skip the question all together. "Do not ask to ask just one," said Ankur Kumar, MBA director of admissions and financial aid at the University of Pennsylvania's Wharton School. "There is no penalty for your work done." However, most of us have only so much you can learn from websites and other sources. They would prefer that the applicant take advantage of the opportunity to dig deeper into the experience that they have to register. "Applicants may feel like they know enough," said Sneva. "But you do not quite know until you're here." Follow the Forum discussion on the Bloomberg Businessweek Business School, visit us on Facebook, and follow on Twitter @ BWbschools.

Tuesday, April 23, 2013

In-App Purchases: Do not Let Your Children Make Apple Rich

Apple's agreement to pay class-action lawsuit about in-app purchases and patronage by children parents.As brought sighs of relief to many parents of two children (one is six and is fully digital capable of wreaking havoc, two years is still relatively harmless), I can sympathize with the complaints: their arguments Several kid-friendly apps have in-app purchases available for parents do not know about. Do not think twice about letting little Timmy or maybe Funwords Trisha play Deluxe (an app I just made up, but you know what I mean). Little did they know that once they download for $ 1.99 and children are left alone here, this game offers the option to open up a new level for 99 ¢ a pop. Just click here and payments are automatically sent to the credit card on file with iTunes. So easy! Apple (AAPL) will return the money to the family finances eroded by excessive in-app purchase. Kind of reminds me of when the kids call the 1-900 number and rack up exorbitant charges on your phone bill for all the family "entertainment services" they do more told.All calling.So Parents can take steps to avoid such a fate : If you have an iPhone or iPad, go to Settings, then General, restrictions. Turn restrictions (you need to create a PIN for Timmy can not undo your work) and then turn off In-App Purchases under the heading of Content is permitted. You can also adjust the parameters, such as whether your child may have access to iTunes, camera, or Safari Web browser.Then can let Timmy or press Trisha go 'to their hearts content while you can relax in the knowledge that your wallet is not dependent of one extent that they can be opened.

Thursday, April 18, 2013

Bloomberg View: The Right Way Forward on Climate Change

President Barack Obama told the nation that he was prepared to "act before it is too late" and the fight against climate change by the White House If Congress does not want lawmakers made lead.Given can not agree on a landmark agreement cap-and-trade even Democrats controlled both the Senate and House of Representatives, congressional action this year unlikely. The government should move forward with its own.Over last two decades, the U.S. has made significant progress in reducing carbon emissions. And last year, pollution from energy use fell to its lowest level since 1992, according to the U.S. Energy Information Administration. However, the U.S. accounted for about 19 percent of all emissions that cause global temperature rise, sea level rise, and the devastating droughts, floods, and hurricanes, according to a government advisory panel released only way to get past month.The significant weight to limit the emissions of more than 500 existing coal power plants, which spew about 2.2 billion tonnes of carbon dioxide each year, more than any other U.S. sources. The transition will not be not easy, given the steep resistance from the coal industry and many congressional patron, said carbon limits will increase the price of electricity and distract the U.S. economy, and make the power grid less reliable.It likely, however, to take the coal industry concerns into account. The Natural Resources Defense Council proposed setting individual state budgets for carbon emissions, coal plants to get a little higher distribution-1, 500 pounds of carbon per megawatt-hour of natural gas. The Environment Protection Agency may operate in the country to establish an overall limit on carbon emissions and then allows the local government to find out how to get there the model area for ozone and other pollutants. And in formulating the rules, the agency can empower the industry to the table, as is the case when working with automakers to design fuel efficiency standards.The administration must continue to push efforts to encourage energy efficiency, which can be extremely reduce emissions, and consumer electricity bills by making energy sources cleaner and more productive. The White House needs to accelerate its own efforts to create tools and equipment such as walk-in freezer is better. Delay of monthly consumer expenditure and business $ 300 million in savings and add 4.4 million metric tons of carbon into the atmosphere, according to the American Council for an Energy-Efficient Economy. In his speech, the President brought some other ideas: divert some of the oil and gas drilling for research on alternative-fuel technologies, and to make permanent the tax subsidies for wind and solar power. While looking for ways to help the renewable energy like solar and wind to compete with fossil energy provides embedded essential, Obama's ideas would require congressional action. The White House must find other ways to boost clean energy, including by continuing to attempt to shift the Department of Defense, the nation's largest energy user, the first use of the term cleaner sources.In Obama , EPA issued a rule to limit emissions of mercury, updating Boiler, and clean power plants in general. As Congress continues to age sclerosis, Obama's rule making remains the most powerful tool for reducing greenhouse gas emissions.To reading Jonathan Mahler about why boxing and Simon Johnson died in megabanks, visit: Bloomberg. com / viewing.

Sunday, April 14, 2013

bankers and deal makers set their views on Africa

One night in July, Lazard banker Matthieu Pigasse Congolese capital Brazzaville trying to get the last ferry on the Congo River to Kinshasa meeting. In September, announced that Pigasse, Lazard advised on some of France's biggest transactions, including the merger of $ 50000000000 made utility GDF Suez in 2008, will go to the team which now number a dozen bankers to focus on mergers in the region. "The new frontier," says Pigasse. "Potential M & A market will grow substantially in the coming years." Banks including Citigroup (C), Barclays (BCS), and Standard Chartered (STAN) also expanded their presence in Africa. Africa has emerged as the second fastest growing region of the world, after Asia and Latin America and Eastern Europe continues, according to Barclays. The International Monetary Fund estimates that sub-Saharan African economy to grow 5.7 percent on average this year, and the area is home to nine of the 20 fastest growing economies. "Being first is a huge advantage," said Crispin Osborne, who oversees African investment banking operations of Barclays London and plans to hire on-the-ground investment banking staff in East and West Africa this year. The number of private equity transactions in sub-Saharan Africa jumped 19 percent, to 43 deals in the first nine months of last year, reports emerged Markets Private Equity Association. In China at that time, with 179 transactions, 17 percent decline, while India has decreased 29 percent, in 154 deals. In November, Carlyle Group made its first investment in sub-Saharan Africa, to join with the other supporters to put $ 210 million in the agricultural supply chain enterprises Export Trading Group, Tanzania. "We see as sub-Saharan Africa where China was 15 years ago, and we want to be one of the first ones there," said Genevieve Sangudi, Lagos (Nigeria) based Carlyle managing director and investment areas fund.Many takeover private equity in Africa's natural resources and telecommunications. Also the interests of the consumer and retail sectors in the region rose as investors seek to profit from the rising middle class. "Every corner of the world's consumers want to play in Africa," said Brian Smith, who oversees investment banking in sub-Saharan Africa from Johannesburg to JPMorgan Chase (JPM). Big banks that focus on Africa because they are reduced in Latin America, Asia, and the Middle East region as seen emerging market boom a few years ago. Citigroup last month announced plans to eliminate 11,000 positions in countries from Pakistan to Paraguay, but said 1300 employees based in African countries including Nigeria, Uganda, Kenya and not be affected.Still, pursuing African Bank offers long-playing games. Cost of investment banking in the region reached about $ 305 million in 2012, according to research firm Freeman & Co., Doubling of a decade ago, but still only a third of those who are paid at the same time in Italy., With less than one-tenth population. Banks also have to contend with an unstable stock market and a new politics born to say nothing of the lack of basics like roads or power grid reliable. Lazard said Pigasse airline service between African cities are very limited once he had returned to Paris to switch between capitals neighboring African countries. Outside South Africa, the port, internet access, and delivery is often unreliable. And even some of the government to tackle corruption and transparency, many investors still shy away. "Africa has a lot to do with education, infrastructure, the justice system," said James Tidmarsh, a Geneva-based lawyer who raised funds for mining projects in the Middle East and Africa. "If someone owes you money, you get money." Pigasse did not let it stop him. "Given the growth prospects," he said, "we have to be there." Bottom line: With the growth of 5.7 percent and nine of 20 in the world's fastest growing economies, sub-Saharan Africa is attracting bankers and deal makers.

Tuesday, April 2, 2013

Bubble U.: High Point University

(Clarification: An earlier version at High Point University mischaracterized the use of derivative financial instruments that use derivatives only to hedge interest rate, not for investment purposes) in a small electric train we draw away from the reception building, clear High Point University campus looks like nothing any of us had ever seen. The pipe in classical music drifts fresh flower beds planted as a guide for students, piloting a golf cart-style "machine," tows our group of six kids and teens past the statue of Aristotle, Galileo, and Jefferson. He parks in front of the Plato S. Wilson School of Commerce, and we hiked for a tour of the building. Opened in 2009, it is equipped with marble floors, full size such as financial trading floors, and a class with row upon row of computer aided design console. Children's eyes' pop as the tour continued, with visits to the cinema display, steakhouse, and a dormitory with a plasma-screen TV and outdoor hot tubs.Nothing like this was here seven years ago, when Nido Qubein, a multimillionaire and Motivational Speaker , became president of what the sleepy little Methodist college. 

It Qubein who launched an effort to change the school 88 years into a nationally recognized institution. Some $ 700 million was spent to repair and expand the campus. Admission to 50 per cent, in 3700, although the college and the room and jumped 60 percent to $ 37,800 per year. The average students' SAT scores went nearly 10 percent. Photo by Mark MahaneyThe High Point campus, $ 700 million and then "The world is admiring how High Point University has grown so successful in the midst of the worst economic conditions in 54 years," Qubein said. Since becoming president in January 2005, he raised about $ 159 million in gifts and promises, and pledged to kick in $ 11 million of his own money. Many more to come: new dormitories, health-sciences schools, pharmacy colleges, sports arenas all told, a $ 2.1 billion planned improvements in 2020. All this in the midst of depressed factory town of North Carolina. John Nelson, head of higher education ratings group Moody's Investors Service (MCO), said that in 20 years as an analyst he does not see institutions like High Point. "It's more like a growth company," he said. Moody's debt rating downgraded to junk status at the university in 2009 as running some $ 165 million of debt to be one of the best high schools in the country. "The rate at which they borrow and the aggressiveness of the marketing investment in facilities and the campus," said Nelson, ready for High Point apart.Along with neoclassical campus impossible, Restoration Hardware version Yale, High Point Market Mapping Nido Qubein story. Raised in Jordan, he emigrated to the United States in 1966 as a teenager with, as his official biography says, he graduated from the "little knowledge of English, contacts, and only $ 50 in his pocket." High Point and has a rich speaker, consultant, and investor. Sitting in his office under the American flag and a map of the greatness of the campus, talk Qubein create a "paradigm shift" to higher education. Increased campus intended "to create an environment where [students] aspires to be outstanding," he said. "High Point is not swimming in a sea of ​​sameness." Qubein believe students are more inspired by the comforts of a luxury resort and see High Point as a way to prepare them for lifelong success. "I want my kids going to deal with things better," he said. "Most parents do." Photo by Mark MahaneyLacrosse skills to the new track and field facilityThere about 1,600 private colleges and universities in the U.S. fewer than 100 are considered "medallion" institutions with rich endowments, very selective admission, and faculty superstar. Some others, including High Point, lacking much, if not all, of the features and struggled to distinguish themselves academically. Only a rare break from the pack to reach elite status, and usually requires effort in decades, says Kent Chabotar, president of Guilford College in Greensboro, NC, and an expert in the field of higher education finance. "Reputation," Chabotar said, "take forever to change." Want Qubein encourage greatness High Point in just a few years. Details of the plan resembles some high-risk behaviors who blew the investment bank in 2008. He followed a strategy known among higher ed as a "dormitory" or "field of dreams" approach. He borrowed tens of millions to build an upscale hostel, use the new facility to attract more students, and then use their bills to pay interest on the debt and took over construction. As debt ballooned, he got waivers to avoid debt covenant violations, according to Moody's and Standard & Poor's. He stormed skinny schools $ 46 million to buy real estate immortal, among others, the university now has a half-empty shopping center and former Methodist retirement community converted to student housing. Former university leadership "hung on the money," he said. "That's not how this business. Money follows ideas. "For the numbers add up, High Point needs of thousands of children from rich families who need some financial aid and can pay top dollar for luxury accommodation. Elements of a make-or-break from university Qubein the 21st century, in other words, the cash flow. Qubein compact, white-haired 63-year lawsuit deliciously dark silk tie and vividly colored. In front of an audience, he moves a dancer's grace, gliding stage, spun on his heels, lunged forward with outstretched palms. With the rise and fall of his voice lightly accented, the impact of a winter morning captivating.On end, he had the attention of an auditorium full of parents. To motivate their children to enroll, High Point offers the opportunity to compete for scholarships ranging from $ 700 to $ 20,000 per year. To enter the competition, though, the children and their parents have come to a high point for weekend.Photograph with Mark MahaneyA High Point (NC) Highlights: Picture flash site campus dresserAs a screen behind him, Qubein explains luxurious facilities babysitting children in and out of the campus. The campus is "an extension of your own home," he said. Itself Qubein teaches a required student seminar on "life skills" such as dressing for a job interview and write a business letter. "Choosing a college for your child is not just a decision," he said, clutching his fist on his chest. "This is a commitment, and dedication to work with heart and soul, not the brain." Preaching is more than words, the sense that, since Qubein introduced to public speaking Baptist church eastern North Carolina. In 1966 he enrolled at Mount Olive College, a two-year Baptist school trip a few hours east of High Point. Remember former classmates that he spoke English and came to the property does not exist, because the goods were lost in transit from Jordan. His Horatio Alger story has some holes in it, though. He came from a prominent Christian Anglican bishop uncle Jordan and countries both brothers graduated from Duke University in Durham near. Is one of the graduate school at the University of North Carolina at Chapel Hill when Qubein came to Mount Olive 17.Mount age then president, W. Burkette Raper, took a shine to Qubein and took him to hear sermons in the local Baptist church. She helped him to earn money by providing conversations about growing up in the Middle East. Raper also lined up a local anonymous donor to help pay his tuition, Qubein said action inspired him to become a philanthropist who donated millions of civic organizations and scholarship funds. After completing the two-year program Mount Olive, Qubein moved to High Point, graduating in 1970.He began traveling extensively as a freelance speaker, gave a talk called "Young America: A Sleeping Giant" at civic club meetings and trade groups. "I have a tuxedo. They would pay me $ 200, "he recalls. Company executives who overheard the conversation and offers better performance in terms of company-paid. His speeches now commands $ 20,000 and up.When he lived in High Point, Qubein buy real estate and invest in a bank that was founded by a local businessman. It was absorbed in 1995 by BB & T (BBT) in Winston-Salem, one of the Southeast's largest bank, Qubein was invited to join the board. "Nido stands as a dreamer. He asks the right questions in the strategic direction, and he is a world-class faculty, "said John Allison, former chairman of BB & T. In addition to payment of directors, Qubein awarded a contract to teach in the BB & T Program training, reaching the $ 400,000 per year since 1993. The bank said it will continue teach.BB & T has been a major source of university funding, guaranteeing four bond issues since 2006 and gave tens of millions in loans and lines of credit. Christopher Henson, point High alumnus as BB & T's chief operating head, the university board of trustees. Join Qubein board High Point superintendent in 1993. When the old university president announced plans to step up in 2004, graduated Qubein proposed as his successor. Even as he raised the point of high profile, Qubein and his family have benefited from the rapid growth of the school. Base salary of $ 598,000 puts him in the top 10 percent of 519 private institutions surveyed by the Chronicle of Higher Education's president last year. In 2010, according to the annual High IRS filing period, he received a deferred compensation package that increases his salary to $ 1,380,000. IRS filings show the university paid nearly $ 1 million per year in public relations and business consulting family, now led by 28-year-old daughter Qubein, Deena Qubein Samuel. Qubein said the school maintain relationships arm's-length with the company, and that his salary will reflect the "market price" for the improvements it provides. High Point almost the first university to try to buy your way to greatness. A century ago, John D. New University of Chicago Rockefeller vaulted into elite status by spending large academic poach talent from competitors. In the 1980's and 90's, Emory University profiles significantly improved by using a $ 105 million gift from Coca-Cola shares (I) to pay for endowed professorships, scholarships and research programs. But there is no history of the school as the steps to spend so much just in the dorms and classrooms, said Richard Staisloff, Baltimore-based consultant in higher education management. "There is a package of academic quality," he said. Qubein university plans a lot about urban renewal on academics. City of High Point, was once a center for the manufacture of furniture and stocking manufacture experiencing economic collapse in the mid-1990s when the industry decamped to Asia, leaving hollowed-out industrial parks and neighborhood bungalow and farm house sink into disrepair. Qubein and High Point University community leaders bet could be anchor tenant of the local economy revitalized. "We need something in High Point to get this town and kicking again," said Mark Norcross, a former furniture company owner who gave the university $ 2 million and has recently committed $ 10 million more. Like most of the donors, he attended university. Norcross said Qubein sit with him in 2005 and sketched plans for a campus on a piece of paper. "He said, 'This university needs a face-lift, or can get the right clients'" - "client," that is, school family.The new students as part of the campus, the company part theme park inspired by traveling as Qubein consultant and speaker. "I was exposed to some of the best equipment in the world: corporate offices, convention centers, airports though," he says.The university has about 700 houses, the main house rent slip, the surrounding environment, and has destroyed most of them, even if no plans to develop the property. "I call urban cleansing," Qubein said. Many houses are used for charter students, universities are now encouraging students to stay in dormitories by prohibiting them to rent housing around the campus, including $ 20 million makeover neighborhoods.The Nido R. Qubein School of Communication, is a television studio, a glass-walled suites for video game design, and luxurious rooms, reading, shelves stocked with multiple copies of the book to the president (written over a dozen) and tape Motivation. Glass display case won.There trophy he still treasures in High Point, and found proficient Qubein. Some factory owners reap millions by selling before the exodus begins, the others moved their factories overseas. Dealers Bentley High Point only between Washington, DC, and Atlanta still under business.Donors also given U.S. $ 12 million worth of property, of the abandoned warehouse from a set of 300-piece Villeroy & Boch china and crystal Riedel said the university used a woman donate home country "to ensure that our students are exposed to high-end glasses.", the university is built on the basis of the ropes course. However, a gift that covers less than 15 percent of the $ 700 million spent so far, with the remainder financed by loans and student fees. Tens of millions of promised donations are still circulating, with some earmarked for future projects, such as pharmacy graduate tough times school.Economic given High Point University as a marketing advantage. Net beats school campus reduce maintenance and repairs during the downturn. Many public institutions have jacked into teaching and limited due to the state budget cuts.Qubein take a chance. He has more than doubled the staff entrance, and a $ 500,000 print run TV ad campaign in North Carolina, and the registrar sent to hundreds of high schools in the countries of Northeast and mid-Atlantic, which now account for more than half a Point students. High advertise a flat fee of $ 37,800 for tuition and room and board, parallel to a nearby private college. But the dorm room at an additional cost which can lead to a total of nearly $ 43,000, with room and board costs as 40 percent above the national average for private colleges.Qubein and university officials agreed last year to cap debt at $ 165 million and change variable-rate loans to fixed-rate debt. However, we never worried guardians that the school took over the head. "I strongly believe that you have to spend money to make money, and that's what we did," said Bob Stout, a retired local businessman who served on the board. "As a credit provider, we are definitely convenient," said Henson, BB & T COO at High Point pay trustee.Nor family business Qubein raised eyebrows. Former board chairman says Marsha Slane seeking bids from competitors, and the proposal of the daughter Qubein "are the best deals." This family business consists of consulting firm established in the 1990s Qubein and a public relations firm where he previously served as chairman . The two companies merged and is now owned by three adult children, his eldest daughter to serve as CEO. Qubein is still listed by the North Carolina Secretary of State as the registered agent for the business: "error reporting" university spokesman said Jack Siegel, a Chicago-based attorney who specializes in nonprofit leadership, nonprofit he advises clients to do business with for- profits associated with their directors. While not illegal, he said, they could draw scrutiny from the IRS, which in some cases they determined the amount of additional compensation for official nonprofit. "Unless the service is truly unique, you'd better not use family members," Siegel says.The director of BB & T together with the "problem" as well, said Siegel. Should university having trouble with loan payments, "you've got an incredible conflict of fiduciary duty," Qubein sit on the board of the bank and Henson at the university. Qubein and Henson said that BB & T in providing loans to college with ease by a subsidiary of North Carolina. Either Henson or corporate boards that serve Qubein involved in dealing with the child client company, they claim.How the university has helped the rise of the city High Point is not clear. While it adds hundreds of employees, including professors from the guard, and a construction boom create additional temporary jobs, study shows economic benefits of local colleges and universities often exaggerated, in part because these institutions do not pay taxes. The High Point Economic Development Corp., a group of local business promotion, said the university pumps $ 418 million per year to the local economy, although the annual operating budget of just $ 77 million.City school leaders do not seem to entertain the idea that the plan may fail Qubein. "He never let that happen," said Mayor Rebecca Smothers. "He may be taking a risk, but he does not take stupid risks." In a beautiful new building, High Point seems to do pretty much what you did before: teaching children with moderate overall academic record small classes with teachers generally good and sometimes besar.Ruangan expanded curriculum, including new majors in mathematics and economics and international relations courses in Russian and Arabic. Instructors can apply for grants to purchase equipment or hire research assistants, no funds are available before Qubein took over. "I went here because of the culture," said Daniel Erb, who was recently recruited from Duke as the new dean of the school of health sciences. "There is a can-do attitude." "Professor I always take the time to meet with students outside the classroom," said Alan Albergaria, a junior from Rhode Island, sitting in a hot tub outdoors The $ 19,000. 000 Village complex Greek fraternity and the student that opened last year. "With all the amenities, schools will not be Beat." However, High Point derailed by some traditional academic measures. Percentage of teachers with a Ph.D. or other terminal degree dropped three points, to 69 percent, while the student-faculty ratio has crept from 15 to 1 to 16-1 since 2005. Appointed faculty pay has not kept pace with those top schools in North Carolina. Administrator says Rush charter new teachers for the rapidly growing enrollment accounts for some slippage.What about SAT scores, which jumped to an average total of 1100 for reading and math, up from 1,023 in 2005? One possible reason is the sharp decline in black enrollment, from 24 percent in 2005 to 5.8 percent in the current freshman class. Nationwide, blacks score on average 200 points lower than whites on Sat. (A spokesman for the High Point said the decline in black enrollment "does not explain the increase in our SAT scores," which he said resulted from enrollment to more students with high scores, and less with low scores) student body. not only white, the better. Scholarships were slashed and now only covers an average of 15.9 per cent of the teaching is less than half the rate for private colleges across the country. "Yes, we may have more students in many schools that do not require financial assistance," Qubein said. "If we apologize for? Parents Not much study, the acute financial, they are more intelligent. "The University is very popular among parents who supported her immaculate propriety. Although not implemented, there is a dress code that is quiet. Students maintained, no body piercings or unusual hair color proof. "If you go to class in sweatpants, you will find the place," said Alexa Crawford, a student from California. High Point will be the only college in the United States without a piece of paper stuck on the wall where it can express protest or a movie or used books for sale. They forbidden.Some Qubein most ambitious project is not true. With enrollment expected to grow to 5,000 over the next three years, cash flow may loose to cover the payment of debt of approximately $ 77 million at the time. But there may not be enough money to pay for big-ticket items such as the previously announced $ 70 million building for the school of health sciences. Instead, it may end up to space in shopping centers. Qubein said the "state-of-the-art, NBA-type arena" once planned for 2014 deferred indefinitely.Even if Qubein avoid financial disaster, he left High Point sold now a school with academics OK, wrapped in expensive college kids dazzling rich and entertaining extras. Qubein quietly recognized as he wrapped up his pitch to parents. Move to the edge of the stage, he took a bag of Hershey (HSY) Kisses and a box of Godiva chocolates. Hershey candy costs about $ 4, he tells the audience, Godiva, $ 40. "Both are great," he said, "but only one is superbly located. Presents itself in a way that people will find compellingly good. "He leaned into the audience, Godiva box in the palm of his right hand. "Is not that what you want for your child?"

Thursday, March 14, 2013

Tips for Low Cost Home Heating

Reduce the cost of heating homes is definitely an energy-efficient way to save money. But according to experts, more expensive heat your home this year. Heating bills will increase by 20 percent for heating oil customers, 15 percent for natural gas customers, 13 percent for customers of propane and 5 percent for electric customers.

No matter what you use fuel, heat your home this winter will be worth more. So, this is a good time to take stock of the project that can really help you save cold, hard cash by reducing home heating costs. This is where to start:

Clock set-back thermostat. Want to keep the heat at night but avoid waking up to a cold house in the morning? Clock thermostat set lower heat recovery feature is automatically at night while you sleep, and then raise them in the morning. It's smart to store heat thermostat, save money, and still provide warmth and comfort when you need it.

You can get the thermostat hours in any home improvement center and they can be installed easily in less than an hour. There are even models available that have a few on / off cycles. For example, you can set the thermostat heat once a week, and another on weekends when you sleep.

If you have a setback thermostat, move it two degrees lower than you normally do in the winter and raise it two degrees in the summer. Doing so can cut your annual heating AND cooling bills by over 10%!

Protect your water heater. Insulating your water heater is a quick project that cost only a few dollars. The water heater heat loss through the shell them out. For about ten bucks, you can buy a water heater jacket or blanket that makes the heat from escaping. They are easy to install, and can save you hundreds of dollars on your energy bill during the heating.

Another good tip is to resist the temperature setting on your water heater to 120 degrees safely but efficiently instead of potentially scalding 140 degrees most of the water heater is set at. If you have an electric water heater, you also can cut the cost in half by installing a timer running. Electric water heaters are the most expensive way to generate hot water and a timer allows hot water only when needed, such as for your morning shower. Rest of the day turns the heater off - saves a lot of energy dollars and reduce home heating costs.

Examination of attic insulation. You can increase the comfort of your home while reducing the cost of home heating and cooling needs by up to 30 percent by investing just a few hundred dollars in proper insulation and weatherization products. To find out whether your home has insulation standard sizes up to now, a ruler in your attic. In most of the cool climate, you need at least 12 inches of batt or blown insulation in your attic between the ceiling to keep the heat in the house your home. The house although some years are more likely to have inadequate insulation.

Although insulation can be made of various materials, usually four types of batts, rolls, loose-fill and rigid foam board. Each type is made to fit the different parts of your home. Fiberglass batts and roll very well for the new construction of the walls and ceilings, and attics and crawlspaces to an existing home. Blown-in insulation, fiberglass or cellulose (paper products coated with flame retardants) may be used in an existing attic or walls.

While you are in your attic, check the draft - this is the place you want! Good attic ventilation is the key to keep the insulation from getting wet from condensation winter. Because isolation even slightly moist lost a third of its ability to protect, well-ventilated attic is important. By reducing moisture, insulation is more effective and leave you with a warm home, help reduce home heating costs.

Heating system maintenance. Did you know that performance enhancers can make your home more efficiently while reducing the cost of home heating? No we are not talking about steroids or nutritional supplements, we are talking about maintenance!

Services - Have your heating system serviced annually. Each gas goes, electric or propane furnace, leaving the deposit back burner combustion and heat exchanger. These deposits must be cleared or the system will not run well and can even be dangerous. Remember, that you need to run the furnace to heat your home, the more you spend the fuel. Get it serviced and save money.

Filter - Replace the air filter from your furnace before the heating season begins and monthly moments. A dirty filter will reduce air flow which makes your system work harder to circulate air to the registers. Also, if the filter is inserted through a slot in the back channel, covering the filter slot with a piece of wide tape to keep the air from getting around the filter edges without passing through the filter.

Duct Sealing - Get all your channels in a row with Rob repairing leaky duct hot air. To check your channel for air emissions, looking for parts to be joined but separated or a place called the dry duct tape and fell. Do not use duct tape to fix and close the channel you! Instead, look for UL 181 tape. This kind of looks like silver foil tape and do not degrade, crack or lose the bond with heat and age.

Upgrade - Has there ever been a better time or a better reason to replace an old furnace or waste fuel boiler furnace Energy Star model level. If the furnace or boiler more than 15 years, ENERGY STAR qualified appliances can save on energy bills, reduce home heating costs. New equipment has advanced technology to deliver higher efficiency and provide the greatest savings.

Seal drafts. Its outer walls of your home like Swiss cheese. Each "hole" to switch windows, doors, outlets or light, the source of air leakage. Sealing the hole from the inside to prevent severe draft and loss of energy, and reduce the cost of home heating.

Caulk window moldings where they meet the exterior wall. Use acrylic latex caulk because it spreads easily and can be cleaned with water. A better approach would squirt a thin bead caulk at the junction of the wall and the molding, and then use your fingers to spread the caulk seams. Next, use a sponge and warm water to remove excess caulk and caulk finished spread. Do not forget to caulk under the sill like. The area is very leaky and a good job sealing is essential.

When you're done outside, caulk around the inside of the door and window moldings. It helps to trap any excess air that gets cold exterior wall cavities. Next, look at the time of peeling exterior of the door. If the weather stripping worn or cracked, replace them. Also check the door in the bottom of the door. When closed, you do not have to see the light coming through the door.

Wall openings around outlets and switches can also let a blast of cold air in your home. Home centers and electrical supply houses sell special gasket to keep drafts to a minimum. To install, remove the outlet or lampshades. Gasket, with openings to fit through the outlet or switch, then placed between the device and the metal cover plate. Be sure to turn on the power before installing the gasket to prevent electric shock.

More tricks and tips to lower the cost of home heating

Fans - Do you use your ceiling fan in the winter? You must set your ceiling fan to turn clockwise to move the warm air rises, up to your room during the winter. When the weather heats up, set the fan to turn counter-clockwise for easy cooling. There is also a new product on the market that works well for both heating and cooling seasons. This is called the Reiker Room conditioner and ceiling fans with built-in heater that cost only about 5 cents per hour to operate.

Silk - Keep curtains and shades on south-facing windows open during the heating to allow sunlight to enter your home, close them at night to reduce the chill you may feel from cold windows.

Lighting - lighting your home may be dimming your finances, such as lighting energy accounts for about 10 percent of your electric bill. Overhead lighting with traditional incandescent bulbs are a great power drain, so check your equipment to see what each lamp. You may have 100 watt bulbs where 60 or 75 watts is enough. And, consider Energy Star rated compact fluorescent lamps or halogen lamps to reduce energy use, but provides plenty of light. Also, make sure you completely turn off the stereo systems and computers when not in use, continue to use energy even when idle.

Online - For more information, an informative Energy $ avers guidelines for easy ways to improve the energy efficiency of homes available through the Department of Energy or online at www.energysavers.gov.

Bottom line, the energy efficiency of your home is easy to reach in a few simple steps. Reducing heating costs in your home will save you a bundle, and all you need to complete your project are available in the center of your home environment.

Tuesday, March 12, 2013

Take risks to market stability last

Sat relatively quiet week for economic and corporate news flow, it would be a "Greek tragedy" is still conducted ordered the most market attention.

Last week saw stakeholder Greece has tried to sound more relaxed about the potential consequences of a disorderly default. This situation is studied inattention accompanied by EU negotiators take a hard line in Athens regarding the implementation of further austerity program.

Truth is, no one knows for sure the wider implications of Greece is defaulting on the loan. Increased confidence displayed by some in the middle of negotiations at this time no doubt helped by the recent activities of the ECB, and bail-out fund is still sitting on the sidelines, but the fact remains untested.

It is, of course, not only the uncertainty on the horizon. The rise in oil prices this week testify to more aggressive rhetoric of Tehran. However, the context suggests moving back to the negotiating table, Tehran threat to be seen as an attempt to strengthen their position.

Upcoming Elections France, together, have the potential to harm investors, especially if French voters choose how they recently surveyed.

All of them, apart from the fact that the equity market is now almost back to the level where they fell dramatically last summer, and you can understand why some markets beginning to wonder if the rally risky assets to finish. Short term, we believe there is potential for a pull-back rally given the size of today and the near future some uncertainty out there. However, there are several reasons why we believe investors will benefit from having a slightly larger allocation than the average for risk assets in a balanced portfolio.

U.S. recovery now seem to be more stable footing, the job market is gaining momentum, manufacturing and non-manufacturing order books look healthier, and may have even tentative signs of life in the housing market long dead.

In Europe, the data is currently pointing to a stabilizing economy than sliding lower. We have a fantastic new government in place in some of the most misunderstood countries: Spain and Italy are two important examples.

Central banks around the world continue to do their bit to maintain financial stability. Real interest rates in developed countries will remain at record lows, while the emerging market central banks started to relax policy. The ECB is very useful in lending operations, we see more later this month, while the U.S. authorities monetary equally active for some time now. With the valuations of asset classes still focused on tangible results desolate than we think is likely, some risk exposure should be respected, although the level of calmness that may be required.

Friday, March 8, 2013

Muckle LLP Commercial Law team scoops national award

"Therefore, an achievement that we are quite proud of, and hopefully it will reflect well on the business community in the North East and the region as a whole."

The Company has recorded financial growth that is greater than most. It reported a 15% increase in revenues to £ 10.46m in 12 months at the end of March, from £ 9.4ma year earlier, despite a strong market for these transactions.

Tim companies company completed 112 transactions, including finance / banking deals, worth a total of over £ 420M during the calendar year, compared with 106 deals worth £ 403m in the 12 months ended March. Last greatest offers counseling in South Shields energy manager Utilitywise £ 7m stock market flotation.

The award is the latest accolade to be recognized by the success of Muckle LLP. Earlier this year the company won the Heart Award Community nebusiness Awards, organized by the Journal and afternoon newspapers.

It is also referred to as Corporate Law Firm of the Year for the fourth time in the Northeast Insider Awards dealmakers in 2011. Also the company's commitment to the community is an important part of the ethos.

Each year the partners to donate 1% of profits to a charity that provides grants to local causes, including many in which the people involved in the company.

Muckle lawyers provide pro bono work for local charities, and many people gave their time as trustees, school governors or management committee member organizations need skilled and enthusiastic support.

Sunday, February 24, 2013

Architects of our own future

A recent report by the Royal Institute of British Architects (RIBA) has declared that our industry is in danger of becoming a profession that can only be accessed by students richest. With the rising student fees and the bad economic situation, the students from low-income backgrounds will become hindered. The report, which looked at income students in 2011/2012, which aims to develop an understanding of remuneration for his contributions to the profession over many years of practice to help inform the future rules that work for the industry. Architectures require work placement students progress in their education. I know a number of students who are facing serious difficulties when seeking placements, leading to scale will have no choice but to work for free. Most students are heading south to find the position, it will lead to a gap professionals in our region after the recession ended. Despite the perception given by the media, are generally not paid the architectural profession and the state of the current economic climate, it is not surprising that low-income students. However, all of the 93% of placements occurring in the architectural industry, only 11% were not paid. Placement of students, although the position of the training, the right job and, as an industry, we have no excuse for not properly paying at least minimum wage. By not doing so, the industry falls foul of legal and moral obligations. Training to be the architect of a minimum of seven years: It is a huge commitment and must be supported by real industry to the future of architecture in Britain. The results of the report seems to indicate that girls are discriminated against, with men earning on average 3% higher than the female counterparts. At present, only 20% of architects are women. We must ensure that young women are encouraged, rather than discouraged by discrimination in the early stages of their careers, to fix it. After all, the building and the space used by both sexes the same, so it does not make sense that we get a great view of Circular designed them? Many industry leaders used about the past and the numbers prove that we still have much to do to help the industry to move away from the club drawing old men '. I hope that the RIBA is crack employers to do this and make a stand for what is right: the best shape of our industry forward. :: Christine Thornley, associate director of Newcastle-based Mackellar Architecture

Thursday, February 21, 2013

Terrain construction £ 3.2m college Surgo configuration

Newcastle-based contractor Surgo Construction has been awarded £ 3.2m contract to deliver improvement projects on campus Westoe South Tyneside College. The works will see the place to change Surgo School campus to include dedicated Marine and school buildings, refurbish existing facilities and develop new areas of teaching. Surgo director Jeff Alexander said: "We deeply appointed to the University of South Tyneside for the latest project in the process of rebuilding, and given the chance to work again with the college team. "It is gratifying that, once again, our experience and competitiveness has been recognized and we pull all the stops to ensure the success of a productive working relationship continues." When complete, the project will enable the South Tyneside College to pursue his vision for a modern environment to study further education, higher education and marine courses it offers. Late last year, the college announced it had succeeded in an attempt to secure the enhanced renewal grant (Phase 2) from the Skills Funding Agency (SFA) to operate. Lindsey Whiterod, principal and chief executive of South Tyneside College, said: "Surgo Construction excels in multiple criteria specified in the tender, including their previous experience of similar schemes and commitment to sustainability." Mike Foggon, regional director at Faithful + Gould Newcastle office, who heads the project team, said: "Following the very successful completion of the final stage of improvement in 2011, I am confident that this team will be formed to deliver our vision of a state college education art equipment. ' Construction Company has won a series of housing schemes and education in recent months, and started the £ 1.3 million project to repair the Redcar Community College and a £ 2.3m contract with the ISO Housing in North Tyneside. Work with ISO Coronation Street site in Wallsend housing associations. Surgo took a 35 - week contract to build a timber-framed, brick-faced building contains 28 apartments over four floors, and also build two houses and two flats on the site Tyneside style. Contract 21-week course project to fix the front facade of the existing building and provide accommodation for Adult Learning Service is scheduled for completion by the end of next month. It also is developing an innovative £ 8.3m Redcar Hub, to provide high-quality center and work space for the digital and creative industries across the region. Hub building in a prominent position on Redcar seafront and will help to create 60 new jobs and support 50 businesses.

Friday, February 15, 2013

Law of increasing confidence in the police and took home the award

A team of police Catchgate environment, Stanley, they proved by X-Factor top pops coming! Tim was one of 10 finalists on display at the annual Partnership Focused Problems (Pop) awards conference at Xcel Centre, in Newton Aycliffe, last week. Pop the top 10 projects before a panel of judges and the police team from Catchgate emerged as the winner. Vision Catchgate discuss the issues surrounding the low confidence in the police, access to the local police station, involving youth and children and delayed local criminal networks. The team works with local schools and communities to improve the appearance of the local stations and even organized a feast event involving local officials proved very popular with both young and old alike. Office Catchgate be spruced up and even offer their own traditional blue light, then the local school children put on their wish list. Sergeant Mick McGowan spearheaded the project and said: "We really want to make a difference in Catchgate and we feel a sense of accomplishment in the results. "Confidence lost and the police were called to the local station to see us, that rarely happened before. "Looking round the local area we feel like we won anyway, but given Pop award, especially when you are dealing with some fascinating work of the police, the icing on the cake. "My team, our partners and the people of Catchgate shown nothing but enthusiasm and now we have seen a change in Catchgate, all the effort is worth it." Mick and his team are competing in many local teens show their projects and receive their awards from Chief Constable Jon Stoddart. Deputy Chief Constable Mike Barton championed a problem solving approach to policing in Durham constabulary and impressed with the high standard of entries. He said: "Working with the local community and our other partners in the community is the core of our services. "Our local police teams continue to demonstrate the approach, innovative creative to find long-term solutions to problems that can have a serious impact on quality of life. "They are all winners when it comes to giving the police chief's vision for protecting the environment, to meet the criminals and solve problems." Pop Award recognizes excellence in all areas of police and open to any team in full force. Nine other finalists are projects related to: Charity bag theft in Newton Aycliffe, continue to work to reduce the need for accident and emergency at Darlington, anti-social behavior in Spennymoor, Durham a project to create a crime-free city and the safest city in the country, the problem of Parking in Newton Aycliffe, reducing demands on emergency services in Bishop Auckland, anti-social behavior around the shop Leeholme, focusing a project of community involvement in Horden Horden Horse Fair, and improvements around the Child Highcroft home, Cockfield.

Wednesday, February 13, 2013

Put the safety in our hands

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