Archive for March, 2013

03.31
13

IT Project Management for Software Development

by como ·

ABOUT THE CUSTOMER Incorporated in 2000, Abritas is an independent supplier of web-based, fully managed business systems to over 180 local authorities throughout the United Kingdom (UK), including housing associations and social care providers.

Abritas offers a range of modules to manage key areas of social housing including housing register, choice-based lettings, homelessness, enhanced housing options and tenancies and rents. The company’s fully integrated web solution is available across key aspects of social housing to provide applicants and staff with a complete solution from online applications to online advertisement and bidding, shortlisting and social housing allocation.

MAIN CHALLENGES Replace Microsoft Project desktop Manage project budgets, resources and performance more closely Offer greater project task visibility for overruns to ensure swift action Abritas’ expansion and growth created the need to more closely manage project budgets, resources and the performance of the growing number of client implementation projects running concurrently. With a separate timesheet system used to track time, and Microsoft Project used to track project progress, the company relied on a number of manual reports that were created to determine costs and to monitor performance.

“Estimating accurate costs at the start of a project, and the expected cost at completion, was a challenge,” explains the program manager. “More often than not, issues relating to project task overruns were not visible early enough to take action. The management team had to rely on manual reports being created on a weekly basis to track status and highlight any risks or delays across the project program.”

WHY PROJECT INSIGHT Program planning to determine project costs and profit estimates Project planning that provides regular updates and status reports Project financial performance reporting to monitor each project’s current and forecasted profit based on real-time status and costs incurred Program performance reporting that provides overall profit monitoring across all projects and specific alerts relating to major cost overruns Project documentation to ensure quality checks are completed at critical points in the project Custom forms and fields to manage product enhancement requests and plan future system releases based on priority enhancements Abritas identified four key criteria that a potential solution would need in order to address the major challenges faced by both project managers and the management team:

Identify a project management solution to replace Microsoft Project desktop Ensure the solution could replace timesheets with an easy-to-use interface Provide real-time project progress reporting that closely monitored the entire project program, highlighting delays or task overruns affecting project profitability Provide each project resource with a clear list of tasks along with the order to be completed, and when “In meeting with team leaders across the business, we identified an additional key criterion: the need to replace the system we used to manage the issues or faults our clients identified,” the program manager says.

By integrating this issue management functionality into the project management solution, project managers would be able to raise issues specifically against project tasks, assign these to individuals for resolution and track the time spent resolving each issue.

After searching the market to identify which project management solutions potentially met the majority of the company’s criteria, the program manager selected three providers to undergo a four-step trial.

He explains: “The three solutions were scored based on each of our key evaluation criteria, their general ease of use, and their general ability to customize the project management software specifically to our own requirements. Of the three solutions, Project Insight not only scored highest in each of the key criteria, it was the only solution that could be self-hosted or installed on premise which, though not a key requirement originally, offered us the ability to take ownership of the solution and technology while being fully supported by the Project Insight technical support team.”

THE RESULTS See a complete picture of actual project costs incurred to date and the expected forecasted profit at project completion Take quick action to mitigate key areas of overrun or concern Capture projects and time within a single system to more accurately assess performance Obtain an easy-to-use software solution to manage projects more closely within a collaborative environment Provide a project management solution tailored to Abritas’ business needs to ensure the company proactively manages project delivery and analyzes performance for future improvements Project Insight was installed in May 2010, and by October 2010 all client implementation projects had been migrated into the project management software.

What’s the biggest benefit of implementing Project Insight project management software?

According to the program manager, “It’s having a complete picture of the actual project costs incurred to date and the expected forecasted profit at project completion. Previously we manually compiled this information from reports generated within separate systems, which was time consuming. And, in reality, the information was out of date by the time it was compiled. There was no ability to really analyze or drill into the data specifically when project performance was suffering.”

Because both project managers and the management team now have a real-time picture of project performance, they can quickly take action to mitigate key areas of overrun or concern. With projects and time captured within a single system, project managers now can more accurately assess performance and, retrospectively, adapt project plans to ensure greater accuracy in the future.

The program manager sums up, “Project Insight offers our users an easy-to-use solution with all the benefits of Microsoft Project and a time management solution, but with the capability we require to manage projects more closely within a collaborative environment. We now have the ability to more accurately plan timescales and costs during the sales process as well as more closely manage projects’ performance to reduce overrun and maximize profitability. The Project Insight solution also enables us to tailor our own business needs to ensure we proactively manage project delivery while analyzing project performance to address areas for future improvement.”

Project Insight worked so well for project management, that now the development teams also use the software to more accurately plan their system releases and determine resource requirements.

03.30
13

Here Is What You Should Know About Txtloan, The Text Loan Provider

by como ·

TxtLoan is a payday loan provider in the UK market. They are unique in that they offer loans from the convenience of your mobile phone. You have to register once and you might need to fax in some documents, but after that, you just have to send a text and you will receive a loan fast.

In case you are not familiar with payday loans, they are a type of short term financing for bridging the gap until your next pay day. It is not a long term financial solution, but if you have expenses that you must cover today, then these loans can be a great help.

If you are getting a loan from TxtLoan, then you can borrow 100 only, no more and no less. Usually pay day lenders give the option of choosing from a range of amounts, but TxtLoan is unique in this respect.

You can expect an APR of 894% on your loan. This is one of the lowest APRs on the market today. It is typical to see APRs of 1500%, 2000%, and even more with other lenders.

All loans are same day transfers, even if it’s past 5pm or it’s not even a business day. These text loans are available around the clock, so it can be a lifesaver if you need the money fast on a Sunday.

However, there is a same day transfer fee of 5.50. The typical repayment amount on a 7 day loan is 10%, so for each 100 borrowed, you repay 110, plus the same day transfer.

Usual terms apply: you must be over 18 years of age, be a resident in the UK, and receive a regular salary. The minimum monthly NET salary you can apply with is at least 400. You must also have a bank account which can receive direct debit.

In addition, this lender, unlike almost all others on the market, requires you to have a mobile phone and an e-mail address. But these days, that should not be a problem.

03.29
13

How Training can Benefit the Cleaning Industry!

by como ·

Your Internet hub for all things Cleaners “>Currently, commercial cleaning industry is a competitive sector. This is often simply because of the ongoing development of the need for residential cleaning services, professional cleaning services, building cleaning services and many other cleaning jobs. Exactly like any various of industries, commercial cleaning establishments need to work with their most beneficial general performance all the time. This is for the organization to stay alive from the competition. . A number of the job titles in the cleaning industry are custodian, janitor, and day porter. In addition there are cleaning sectors that accept housekeeping services jobs. Nearly all of your team members within the cleaning industries are low skilled because of the possible lack of tertiary based classes for this kind of job. That’s why the majority of the cleaning businesses provide an on-the-job teaching for the newest employees. There are also some corporations which are sending their workers or staff for particular classes conducted by training specialists. However, you will also find establishments who may have not realized the necessity of education for their staff in cleaning staff recruitment agencies. Just what are the positive aspects that a cleaning organization could possibly get from training course? Training reduces harm to customers, properties and increase client satisfaction. It can also help to promote employees safety specially when using cleaning chemicals. Training assists the employees comprehend the priorities of the industry. Training enhances the staff’s professionalism. An on-the-job training will not be always enough to enlighten employees about professionalism, reliability and housekeeping in Melbourne. If they are offered the opportunity to attend a training participated by other people and held by professional instructors, it helps them recognize deeper the essence of professionalism and reliability. Training offers opportunities for any participants to educate yourself about interesting things. For example, training can instruct a cleaner,cleaners,janitors,custodians in regards to the new delicate surfaces in homes which might be turning up today. Training aids the cleaning sector teach their staff about using different cleaning chemicals. Training can help the industry reduce the costs of chemicals, assure the safety of the employees and improve the professional house cleaning quality. If the employees is well experienced in his job, he is able to be much more than simply a laborer but a specialist to his clients. Training can be useful for boosting the morale of your staff. When the companies are helping the staff to extend their skills, they should be more motivated to perform at their best. Through trainings, the cleaning industry are able to keep pace with all the a change in the organization. Training can provide new developments, procedure or techniques coupled with regulation. These improvements are necessary to ensure that this industry to remain competent or in compliance. Training supports best operation from workforce through sharing beneficial habits. Training maximizes morale, boosting productiveness and maintains very high quality of home cleaning jobs. The management of a cleaning industry must bear in mind that the provider will benefit from whatever improvement in the skills of the employees. It is crucial to have an industry to enhance its resources and one of the important resources is all of the man power using a labouring agency. The individuals need to be enhanced too! Training certainly will pay off.Your Internet hub for all things Cleaners

03.28
13

Electronic Information Industry Wu Qi Rong County economic leader

by como ·

A vehicle loaded mobile communication terminals, tablet PCs, computer accessories, mobile wire, flexible circuit boards, connectors and wiring harness and other high-technology electronic products for the truck, slowly opened Rong Electronic Information Industrial Park, onto freeway, respectively, toward Shenzhen, Chongqing, Shanghai, Southeast Asia and European markets. According to statistics, January to May this year, Rong electronic information industry realized an output value 840 million yuan and tax 031 million yuan, an increase of 84.72%, respectively, and 98.85%; respectively over the same period total industrial output value and tax revenue the county storage of 23.81% and 16.6%. Exports to Southeast Asia, Japan and Europe sales income of the sales revenue of Qicheng more. Electronic information industry has become the leading Rongxian County Economic Development.

In recent years, Rong Rong Economic Development Zone as the region’s model industrial park, the park building in the electronic information industrial park. Up to now, Rong Economic Development Zone has invested in infrastructure funding over 800 million yuan, the zone has reached an area of ??5 square kilometers, built more than 80 million square meters of standard factory buildings.gs.

Rong work in the development of electronic information industry investment in the establishment of a “green channel” and the whole agent system. From the project, land application, environmental impact assessment approval, capital access, contact the factory planning and construction and other implementation of “one-stop” tracking service, accelerate the pace of the project and construction of landing. Reflect the problems of project owners, strict Shouwenfuze system, limited responsibility and accountability system, improve the efficiency of examination and approval. Oriented industries that meet the park, planning and design, environmental protection requirements of the project, Development Zone, early intervention initiative to contact the relevant departments, the implementation of project construction and other administrative approval procedures carried out simultaneously on the time of signing the contract commitments, and resolutely kept. At the same time trying to help enterprises solve the labor problem. This year, Rong County Economic Development to help more than 140 companies recruit workers in 10,000 people, including new tactics of electronic information industry, more than 2,600 workers. Good investment environment and the quality and efficient services to attract a large number of overseas investors to set up factories in the county investment. Last December, as Accor Technology (HK) Co., Ltd. invested 360 million yuan in Rong County Office of the electronics industry base, the plan of 300 acres of land for the proposed 14 million square meters standard workshop. After the completion of the project, expected annual turnover of 10 billion yuan, and tax paid 50 million yuan, 3,000 jobs could be arranged. Currently, the county’s electronic information industry enterprises in the park 40 park, the contract investment of 2.5 billion, employing 6,000 people. In 2010, the county’s electronic information industry production value of 1.31 billion yuan, storage revenue 065 million yuan, an increase of 75%, respectively, and 64%.

Rong according to changes in domestic and foreign markets and guide the electronic information enterprises on market demand, high technology, high value-added high-end technology products, electronic products. Rong Ling Tong Jing, Ltd is a new prosperity of Hong Kong, the Group invested 500 million yuan in the Rong electronic information industrial park set up in business.

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03.26
13

Good Employment Prospects For Nursing Degree Holders, Guardian Reports

by como ·

The Guardian newspaper has reported that in 2009 almost 85% of nursing degree graduates found full-time employment, with 94% of those finding jobs as healthcare professionals.

Just over 74% of those nursing degree graduates working in healthcare went straight into nursing, while the rest took other roles supporting the delivery of healthcare, according to the report.

Of the nursing degree graduates who did not enter full-time employment: some opted for extra study, whilst others combined further study with work. Only 1.7 % remained unemployed.

Journalist Angela Foster wrote: Work placements give an insight into what it is like to work in a busy department and the skills needed. And a degree rather than a diploma puts you a step ahead on the employment ladder.

With this apparently high level of employability, particularly in the current economic climate, enrolling on a nursing degree has become an attractive option for many.

Margaret Holbrough, a careers adviser with Graduate Prospects, said:”Nursing graduates are trained to work within the health sector and other related environments with all types of patient, but often specialise in caring for particular types of patient, such as adults, children or people with mental health or learning disabilities.”

In addition to good career prospects, nursing degree students also benefit from a government funded bursary to help them meet the cost of studying.

The University of Southampton is just one higher education institution that is routinely flooded with applications to study for a nursing degree. It was the first university in the country to win accreditation for its Bachelor of Nursing, or BN, nursing degree courses in 2011.

Southamptons employability rates for nursing degree graduates in 2009 were an impressive 8% better than the average national statistic of 85% reported in the Guardian.

03.19
13

Neighboring Advertising Big Company Five Factors Why Internet Marketing Is Significant

by como ·

Almost instantly you find your self misplaced in jargon, bogged down in new-fangled terminology, over-your-head hyperbole and stilted language. In short, frustrated. Here’s the factor. If you’re annoyed, it’s not your fault. It’s the author’s fault.

He searched for a Singapore social media marketing Delray beach Advisor to help him on his internet marketing objective, which is to be on initial web page of Search Motor Result page for his key phrases. He get in touch with almost all the web sites that was on the first page of Google, when he searched the keyword +Singapore seo Advisor+. He discovered that most of them are all SEO company, just targeting the key phrase.

Michelle Warren offers strategic marketing and PR-associated coaching seminars, and 1 of the subjects she covers is how to use social media effectively. One of the biggest false impression is that, you have to be on social media,’ with out a clear comprehending as to what that means. Yes, little company proprietors should consider it as a technique. But maintain two issues in mind 1) it is a strategy, and 2) what goes online, stays online. With those two caveats in thoughts, I help individuals style a technique Internet Marketing, fit social networking into their branding and marketing attempts and execute towards it. In essence, I assist people comprehend, work with and advantage from social media.

What great is being quantity one on Google for a lookup phrase that does not change into a sale? Why are you focusing on this search phrase when you’re making fantastic conversions from another search phrase exactly where you are rating number five and not obtaining the potential visitors you could?

One of the most commonly overlooked methods when it comes to marketing on the web is the social media marketing strategy. Regardless of the popularity of websites like Facebook and Twitter, some companies are still not tapping the direct marketplace these websites offer for some purpose. If you’re a worried outsider, this can be perplexing and frustrating, understanding that they’re missing out on a great quantity of potential customers just by becoming too conventional. However, if you’re 1 of these business owners who nonetheless haven’t used social media as a way of advertising your wares, you will most most likely require some convincing to consider this method.

Title. The video clip title should be associated to your item or whatever it is you’re attempting to promote. Using related keywords is important but aside from that, you also have to make sure that your key phrases are something that web customers would really lookup for. Seldom utilized keywords will probably make your site more unique and put you high social media marketing Delray beach on rankings but, truly, what are the probabilities that people would really kind that in lookup boxes.

Literal Bears I’m Jealous Of is named to be the very best entertaining website of all time. This web site was started as Bears I’m Jealous Of which was totally dedicated to furry men. The web site is later turned into Literal Bears I’m Jealous Of with the aim to commemorate all great bears in literature.

Now on the upper correct of your display you will see a link titled “Edit Public Profile Options”. Click on it.Then on the next screen, below Community Profile, make sure that “websites” is checked. This is what tells LinkedIn to show that publicly.Click Conserve Modifications.You are done!

03.18
13

Corporate Finance And Loan Structuring To Achieve Your Business Objectives

by como ·

Corporate Finance is a specialist area. We provide a whole host of funding services for MBI, MBO, Venture Finance and equity funding. Corporate Finance Loan Structuring involves looking at a whole host of factors and projections to leverage the maximum benefit. At Oxford Funding, our experts help you do exactly that.

Oxford Funding offers corporate finance for various purposes. One of the major areas where the demand for funding is growing is in the area of MBOs and MBIs. Our corporate finance loan structuring schemes let us fund your MBI or Management “Buy In” which allows you to acquire a company that you will run with your new management team.

If you want to buy the business in which you work, opt for an MBO which refers to the “Buy Out” or the acquisition of a company by your existing management team. You’ll find our flexible and efficient corporate finance loan structuring schemes can be tailored to your circumstances.

Call our specialist brokers in these packages, Glin or Peter on 01242 226662.

Our c orporate finance loan structuring plans allow you to take out unsecured loans too. These are useful when you need to raise finance urgently for expansion or any other purpose.

Our Corporate Finance plans help you raise the equity funding that you need to help your company grow or take advantage of the opportunities that may arise unexpectedly. When you pursue this option, you sell a partial interest or ownership in your company to your equity investors and raise the funds you need. In return, you will share some of your profit with them. Our Corporate Finance Loan Structuring helps you get the best arrangement.

Another important service we offer is helping you raise venture capital to expand the successful business . Using our corporate finance loan structuring plans can help you to access funds quickly and efficiently.

Our corporate finance loan plans look at some innovative out-of-the-box methods of corporate finance loan structuring too. Conventionally, b usinesses can borrow up to an acceptable level of gearing. However, once they reach that point of being fully borrowed’, they cannot borrow further unless equity or unsecured funds are introduced to bring the gearing level down. We arrange these funds by looking for assets outside of the company to use as security. These can include owner/directors’ homes, savings and personal assets. We also use government guaranteed loan schemes and unsecured bank loans.

Enjoy the advantages of our corporate finance loan structuring plans by discussing your needs today. Call us n 01242 226662.
Specialist Corporate Finance Loan Structuring

03.17
13

Investment In Pancard Clubs Limited

by como ·

We got our first opportunity for utilizing our accommodation rights under Pancard club investment scheme. We had invested in the scheme six months back and were eagerly waiting for our first holiday in Malvan. The opportunity came in the month of August which is the best season to visit Malvan.
The idea of investing in Pancard clubs was a collective decision by all of us after exploring the investment thoroughly. There was a point when we came to know about a fraud scheme complaint notified online by some member. After reading the complaint we were seriously thought of backing out from the investment. But some of us had some reservations regarding the complaints. Some of the things which were mentioned in the complaints were baseless which made us think about the genuineness of the complaints.
After inquiring more about the investment scheme we came to know members who were really happy with the investment scheme. Panoramic Universal Limited is the company that launched Pancard clubs investment scheme. The company got caught in to some sort of controversy after the launching the investment policy. The controversy was created when the rumor surfaced claiming Pancard clubs was not related to PUL. It was later clarified by the company that Pancard clubs is a company which is managed by panoramic group of companies.
After all our enquiries we decided to go forward with our decision to invest in Pancard Club investment scheme. Our first trip under the scheme was to Malvan. We had our accommodations arranged by PUL in Hotel Sagar-Kinara. The accommodation was top class and was totally worth the investment. It was one of the best trips we had that year as the monsoon helped us to see real greenery in and around Malvan. We are still looking forward to our many more picnic/vacations under the investment scheme.
After all our enquiries we decided to go forward with our decision to invest in Pancard Club investment scheme. Our first trip under the scheme was to Malvan. We had our accommodations arranged by PUL in Hotel Sagar-Kinara. The accommodation was top class and was totally worth the investment. It was one of the best trips we had that year as the monsoon helped us to see real greenery in and around Malvan. We are still looking forward to our many more picnic/vacations under the investment scheme.

03.16
13

Banking Industry Politics Of Punishment

by como ·

The politics of punishment are tricky. Take the playground, for example. The boy in the striped shirt not only pushed your child out of the way at the top of the slide, but also gives your child a good kick for his efforts when he reaches the bottom. You can comfort your own child, but you can’t truly punish the boy in the striped shirt; he is a stranger. You can hope that his parents have a vigilant eye on the playground and will step in and say something, but that doesn’t always happen.

It’s even trickier to punish adults who are acting within legal parameters, if not moral ones. President Obama would like to create a tax to punish banks for effectively taking the bailout money and running. He is calling it a fee, but the proposal is actually for a 0.15 percent tax on the liabilities of large financial institutions. The tax only applies to companies with assets of more than $50 billion, a rather intimate group of about 50. (Reuters)

The tax is proposed to last 10 years and estimated to generate about 90 billion for the government, the majority of that from the ten largest banks. The question is who will really be paying? In all likelihood the banks will use creative accounting to sidestep the tax, as well as share the pain with bank customers in higher fees and tighter rules.

The idea behind the tax is that the Obama administration hopes this fee will give banks and other companies an incentive to whittle down burgeoning balance sheets. Even as President Obama defends the necessity of the bailout in the first place, he has criticized the banking industry for proposing nearly record-breaking bonuses. According to the Associated Press, “Six of the biggest U.S. banks are on track to pay $150 billion in total executive compensation for 2009, slightly less than the record $164 billion in 2007 before the financial crisis struck, according to the New York state comptroller’s office.”

The President is strongly suggesting that banks pay the fee out of the bonus pool, rather than find ways to pass the cost of the fee down to the customer. However, it is more likely that banks will keep the bonuses and find ways around the tax. Some of those solutions could involve risky loans, which is what started this whole mess in the first place.

While the President is insisting that Congress will pass the proposed bank tax, it is hardly a foregone conclusion. Republicans, not to mention the financial industry, is opposing it. And just what will the bankers spend all those billions in bonus money on? According to CNNMoney, at the top of the list is real estate. Bank execs will spend money on swanky New York apartments and European vacation homes. Also on the banking bonus wish list is private school tuition, expensive vacations, boats, cars and Botox. Yes, Botox. Apparently big time bankers need to look wrinkle-free to stay competitive.

03.15
13

What Business Owners Can Do to Plan Their Financial Outlook for 2014

by como ·

Many small business owners lament that the past few years have been difficult financially. Yes, the recession hit hard and the recovery is going slowly. However, with the proper planning, any business can thrive no matter what the economic landscape. Unfortunately, many small business owners are so busy putting out daily fires and just trying to stay afloat that they never take the time to plan. That’s a mistake! So if you’re ready to make 2014 your best year yet, here are the key financial planning items to focus on for both the short- and long-term. Reduce your debt. If you’re like many small business owners, you may have financed your business on a credit card or through other personal loans. Now that debt is hanging over you like a dark cloud. Even worse, you’re likely putting any profits you make back into your business rather than putting more money toward paying off your debt. If your debt load is large and dragging you down paying it off can seem like a daunting task. The key is to stop trying to pay every creditor off at once. Rather, pick one creditor, preferably the one you owe the least to, and focus on paying that one off first. Pay the minimum on all your other debt, but put as much as you can each month toward this one bill. Then, when you pay that debt off, take the money you were allocating to the creditor and apply it, along with the minimum you were already paying, to your next lowest debt. Focus on paying just that one off. Then repeat the process with your next lowest creditor. Keep going until all your debts are paid. As you cross each paid creditor off your list this next year, you’ll feel your financial dark cloud start to break. Create a budget for your business. You likely have a budget for your personal life. You know how much you have to pay yourself to cover your mortgage or rent, your groceries, and other essentials. But chances are that you don’t have a detailed budget for your business. Now is the time to make one. Just as you do in your personal budget, start by making a list of all the business expenses you pay out every month. Be sure to include your salary in the equation. If you’re in the habit of paying yourself sporadically or a varied amount each month based on what’s left over, pick a steady, realistic income figure for yourself and calculate that in. Then add in the expenses that are possible but not customary, such as repair costs for equipment, additional staff, new software or services, etc. When you have a firm grasp on where all your business money is going each month, you can create strong financial goals for your company (see next point). Set financial goals. Of course you want your business to do better this year than it did last year. But do you have clear monthly and yearly goals mapped out? Most small business owners don’t. Now that you know how much you need to earn each month to cover your business expenses, take a look at what your business brought in over the past few years. Look for any trends, such as a 10% increase each year, stagnate sales year to year, or even a progressive decline. After you have a clear assessment of what your business did historically, create financial goals for the coming year. But don’t just state any goal because it sounds good or would be nice to achieve. Make sure you’re setting S.M.A.R.T. goals-that is, goals that are Specific, Measurable, Attainable, Relevant, and Time-Bound. Here’s what each word really means: oSpecific: A specific goal has a much greater chance of being accomplished than a general goal. Goals must be clear and unambiguous. When goals are specific, they state exactly what is expected. For example, stating -We will do $1 million in sales- is specific. Saying -We will do better than last year- is not. oMeasurable: Establish concrete criteria for measuring progress toward the attainment of each goal you set. If your goals are not measurable, you never know whether you’re making progress toward their successful completion. Having monthly financial goals helps you measure whether you’re on track for your yearly goal. oAttainable: Goals must be realistic and attainable. The best goals require you to stretch a bit to achieve them, but they aren’t extreme. That is, the goals are neither out of reach nor below standard performance. Goals that are set too high or too low become meaningless and will be ignored. oRelevant: To be relevant, a goal must represent an objective toward which you are both willing and able to work. A goal can be both high and relevant; you are the only one who can decide just how high your goal should be. Realize that a high goal is frequently easier to reach than a low one because a low goal exerts low motivational force. oTime-Bound: A goal must have a target date. -Someday- won’t work. But if you anchor it within a timeframe, -by December 31, 2014,- then you’ve set your unconscious mind into motion to begin working on the goal. A deadline too far in the future is too easily put off. A goal that’s set too close is not only unrealistic, it’s discouraging. That’s why you need both monthly (immediate) and yearly (future-oriented) financial goals to strive for. Your Best Year Yet No matter how many ups and downs your business has had over the years, you can make a giant financial leap this next year – if you follow the suggestions outlined. The more priority and urgency you place on your business’s financial outlook, the more success you’ll have this coming year and for decades to come. Kris Miller, Estate Planning Expert and Safe Money Strategist, will guide you on how you can successfully prepare your retirement plan. For more information on how Kris can help you, call (951) 926-4158 or email and see her #1 Best Selling book at www.ReadyForPREtirement.com