Archive for May, 2015

05.31
15

The Growing Industry Of Barbecue Sauce

by como ·

Have you noticed lately when you go to the grocery store that the section for barbecue sauce is expanding? What used to be a market for only a few different brand names of virtually the same basic tomato based sauce is now a wide selection of sauces made by both big corporations like Kraft or Bulls Eye, to smaller companies who are only focused on their specialty sauces. From the Chicago based Sweet Baby Ray’s, to the North Carolina style Scott’s, they are all out there somewhere to be purchased. Some are nationally sold, others regionally, but with the ability to now purchase nearly anything via the Internet, you can even buy local sauces made in the Carolinas, Texas, or Kansas City. Don’t forget Memphis too.

Barbecue sauce has nearly surpassed all condiments in total sales, and increases as new products keep emerging. It seems once one brand adds a specific flavor, like a hot variety of sauce for example, then every other manufacturer follows suit. When a trend takes off within a specific market, it does not take long now in our automated world for the word to get out. Production seems to start instantly on new lines of products in all things, and barbecue sauce and its market is no different.

This up trend in the barbecue sauce industry has opened the door for any new upstarts to fight their way into the market. If you are a master griller who has come up with your own fantastic sauce recipe, it might be the time to begin bottling it and selling it. Another way to get your name out there is to enter some cooking contests with your sauce, and a few good showings or victories at these events will get your name out there as well. So don’t underestimate your culinary skills and don’t be afraid to put your sauce on the map.

More and more in every industry single individuals are making their products known to the world and selling them with success. The barbecue sauce industry is booming in this way, often through restaurant owners bottling and marketing their secret sauce to the public through their establishment as well as to local markets and on the Internet. Local sauces that were once unknown to the world are being presented to a much bigger market now with so many avenues of advertising available today.

05.30
15

Is Whole Life Insurance Investment a Worthy Investment

by como ·

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

05.29
15

What Are The Financial Benefits Of Starting An Online Business

by como ·

What Are the Financial Benefits of Starting an Online Business?

It is all over the news and if you have missed it, the rock you have been under is larger than Texas. The economic downturn has affected all of us, some more than others through. In today’s tough economy people are looking for more financial benefits by starting an online business. Many people start looking for two reasons; they lost their job and are looking for a way to make a living or they are working on a Plan B. Plan B is your back up plan when Plan A does not deliver or is no longer a viable option. In this article we are going to go into a few benefits of starting an online business.

Cost Factor

The first thing that comes to anyone’s mind when starting a business is the start up costs. What is great about an online home business is saving the time and money looking for a place to run your business. Many people may already have a spare bedroom or an office area that they could do a lot of this work. You will want to consider though that you will also need a domain name and website to get started.

How Much Will You Need?

That is a very good question that I get asked a lot by people starting out. This cannot be answered with a certain number because there are many different opportunities and business ventures. There are opportunities that you could sell products or services, or be more of a consultant. Products just like consulting packages could not only keep you very busy but could bring tremendous profits. Although you could do a little of both, remember many times with a product you have to make an investment in inventory. I have seen initial investments from $50 to tens of thousands of dollars; it is really up to you.

What Else is Needed?

I am going to let you in on a little secret that many people want you to think otherwise about; when you start an online business it really takes more time than money. One great example of this is article marketing, although one of the most popular strategies it takes a good amount of time. Article marketing is when you write an article on a specific subject to submit it to many different article directories. As other people read your article there are links you can add which drive people back to your site.

Are There Other Ways?

Article marketing is just one of the many ways you can market your business online. You may not be a very good writer, but there are ways to promote videos or do some paid advertising that has quicker results. As with any online business venture I can only strongly recommend you have your won blog. Not real sure what a blog is? Then you need to read my article called “Can a Blog Make You Money Online?” This will help you understand a little bit more about blogging. A blog will attract an endless amount of followers in which you can market to as long as you provide valuable content on a consistent basis.

Once Was a Pipe Dream

Before the internet came to be building your own business could be what some call a “pipe dream.” With the power of the internet and you being able to leverage it, it is no longer a pipe dream. If you are willing to invest more time than money, have the mindset that you can learn something new, you too can have a prosperous online business.

I have found many financial benefits from my online business. From tax write-offs, lower clothing allowances, and lower fuel costs for my car. Besides the financial benefits, I also feel healthier because I no longer have the stress I once had working 70+ hours a week.

05.27
15

Banking Software Solutions To Increase Efficiency And Profitability

by como ·

Today the global banking industry is slowly recovering from the credit crunch and the subsequent financial crisis. Though the overall industry growth is considerably slower, profitability is showing a marked improvement. However, today banks are facing many stringent regulations and risk management standards, imposed as a way to restore the customer confidence in the banking industry. This (regulatory norms) coupled with the economic conditions have made the banking industry highly competitive.

Banks today are transitioning to a universal banking model as a means to control costs and increase profits. The universal banking model is a corporate structure where a financial services company offers both investment services and commercial savings and loan services together. Simply put, it is the marriage of retail banking with investment banking. Touted to be the best possible solution for the current problems of the banking industry, universal banking model changes banks to one stop source for all kinds of financial services. According to Bank of America’s Brian Moynihan, the model (Universal banking model) is the most important model there is because it gives consumers access to global information, capital markets, investment advice and basic banking all in one place. Hence, apart from doing their regular services such as checking, savings, and loans they would tread new terrains such as peer-to-peer lending, micropayments, collaborative financial planning, and social savings.

The implementation of new regulatory directives such as the Foreign Account Tax Compliance Act (FATCA) and anti-money-laundering rules has made regulatory compliance a critical factor in day-to-day operations.

Hence, today the banking industry needs banking software solutions to
comply with regulatory requirements
make business lines more efficient
understand their customers more greatly
increase profitability
reduce costs

Banks can tide over the issues of ageing technology, complex processes, and low efficiency by collaborating with industry experts who can help build and support banking software solutions. Such a move would help banks to
Leverage SaaS models to incorporate SOA best practices
Develop financial reporting products that implement XBRL standards, adhere to SEC norms and generate statutory reports
Design lending applications that integrate with credit bureaus and credit reports
Develop frameworks for fraud detection and prevention
Build financial analytics and business intelligence tools
Migrate legacy banking software to a Cloud Computing model
Ensure banking software compliance with MiFiD, Basel II, trading & broking KYC and anti-money laundering regulations
Develop mobile banking applications

Thus by embracing innovation, the global banking industry is looking towards changing the landscape of this sector.

05.26
15

Some Acceptable Financial Sources And Requirements To Study In Australia

by como ·

Do you want to go to Australia to study in the colleges of the country? Make sure that either you or your sponsor has enough financial strength to pay your charges while you are in Australia. Your tuition and living expenditures are going to be a heavy burden on the finance, so you have to be very careful about the restive expenses that you incur.
Sources:
There are some acceptable sources from where the money for you and your family can be obtained. Some of these sources to support you are:
If you, your spouse, your brother or sister, your parents and your grandparents have a money deposit with any financial institution for 3 months or more prior to the date of your visa application then that can be considered as a reliable source. You may have an uncle or aunt living in Australia or are either a citizen /permanent resident of the country or an eligible citizen of New Zealand, and then also you can take support from their financial account for immigration to Australia.
A financial institution may have granted a loan to or in the name of your spouse, your brother or sister, your parents, your grandparents and last but not the least you. Your uncle or aunt who usually lives in Australia and is either a citizen/permanent resident of the country or an eligible citizen of the country of New Zealand, then a loan by a financial institution either to them or in their name is an acceptable source. For a student visa in Australia:
You may get a loan from the government of your home country.
Your proposed education provider i.e. the college, university or institution can also provide you a grant which is acceptable and adequate.
The Australian Government or a State or Territory government in the nation can render you a financial assistance
Any foreign country government can lend a help
You may obtain a loan from a financial or state government of a foreign country that has the written support of the national government of the said foreign country.
An organization under the statutory control of a minister can also give economic help
A non-profit enterprise which is admissible according to the policies of Australia
A multilateral agency can also render financial support such as United Nations, World Bank or Asian Development Bank.
Proofs and documents for bank deposits:
After you immigrate to Australia do not give anybody the chance to question your ethics and integrity and always keep the evidence of the source of money ready. You may have a money deposit in a bank, for this the required proofs are:
Pay slips of the bank
Bank loan documents
Interest that you get from the investments.
Documents for loans:
A loan demands the following evidences:
A bank statement clearly showing the credit amount available.
A statement from the individual who took the loan that its purpose is to support your studies.
If you are interested in applying for Australian student visa and study in one of the prestigious institutions in the country of emu, then get ready with the assortment of documents to the land of the golden wattle.

05.23
15

Pre-employment Screening Of Doctors

by como ·

Verification Of Professional Degrees

Among other things, doctors as a profession and Healthcare as an industry share a common need a good reputation. For doctors their good name is as important as their medical skills and abilities. For hospitals, an excellent reputation is as desirable as modern equipment and the best facilities.

A good name, like good will, is got by many actions and lost by one.. Lord Jeffery

When the good name is brought into disrepute it is the hardest of tasks to remedy. That is precisely the predicament in which Delhi hospitals find themselves.

Over the last few months there has been a spate of reports in various media about unscrupulous people practicing medicine and masquerading as doctors. They have been carrying on their wicked work without the education, training or qualifications to do so. These quacks have even infiltrated the sanctums of private hospitals and are no more confined to the narrow lanes and backstreets of crowded slums and unauthorized colonies.

Reports reveal that the problem is rather large and widespread. Large enough to be alarming. The, now dissolved, Medical Council of India had estimated that the number of quacks operating in the Delhi region would be about 40,000! Now compare that number with 45,000 (DMC database), which is the number of genuine registered doctors.

The erstwhile Medical Council of India (MCI) and the Delhi Medical Council (DMC) have been working hard to get a grip on the problem and clean out the Augean stables. As a result of their efforts some 25 fake doctors were discovered working in respected private hospitals. These quacks have been suspended – with police cases filed against them – and are now enmeshed in the judicial process.

The lesson to be taken from these findings is that hospitals should wake up quickly to the vital necessity of verifying the educational and medical qualifications and antecedents of the medical staff they hire. They cannot afford being tarnished by the bad reputation that comes with hiring quacks and other unqualified medical personnel.

Background Screening and authentication of education qualifications should be rigorously carried out along with checks of professional degrees and references. These checks are especially crucial in an industry such as healthcare where the price of wrong hiring could be the loss of a life.
In a recent AuthBridge study, Background Screening Trends: October 08 July 09 it was found that 69% of discrepant cases relating to education were due to fake/forged documents. The bigger picture is even more disquieting. They show that 30% of all the cases we handled were discrepant – for a variety of reasons. Of these the majority pertained to false and fake qualifications. While these statistics do not directly relate to the medical profession, it is a pointer to what could be the magnitude of the problem facing it.

While hospitals of all hues and sizes need to be alive to the seriousness of the problem, it is also important for the various medical governing bodies to conduct checks of their own. They too have to retain their good name and integrity of their associations. The reconstituted Medical Council of India has to work, now and in its future avatar, to safeguard its international reputation too.

The following quotation is rather apt in the light of the problem. A good name is better than precious ointment (Ecclesiastes 7:1).

Read More: http://www.authbridge.com/resource-center/industry-updates.html

05.22
15

Gold Is The Best Form Of Investment

by como ·

Who does not want to have a large sized bank balance? It is the need of the hour, looking at this inflation. The ever rising rates of every commodity, is driving in demand of investing in something or the other, to secure ones future, to be able to face the bad days.

Investments may seem a scary thought for many, as investing involves saving a certain set of amount from their hard earned money, and pay premiums every month to secure their future. there are many financial institutions who offer the best scheme for investing. The investment plans they bestow their customers with, proves very helpful for many, as many would not be aware of all the available investment schemes. These institutions provide them the right plan and advise them on how they can go by it and make the right choice, which would not just fit their pocket but even prove beneficial in the longer run. There are varied platforms through which one can invest, may it be through mutual funds, pension plans or many others, all they focus on, is securing their customers future, so that in their bad days they need not depend upon anyone else. To be independent even at that time, is what they look forward to, and guide the individuals to make the right choice. Investing on gold is one such factor, which would never diminish or would ever run out of fashion, due to many benefits it offers to individuals who rely on it for security.

Banks provide the best possible gold investment plans, which would provide gold to their customers in any form, may it be in the form of coins or bars. They are available in varied denominations, allowing one to own any of them, which would fit their pocket. This is one such investment an individual can afford to own, as gold is such a thing, whose value never dies, instead the gold rates are always elevating, increasing its value as the years pass by. Many banks import gold from renowned suppliers from other countries, who would guarantee excellence and quality. These financial institutions offer the best price for their customers, with regard to gold, which comes with a unique number on every certicard that comes along with gold when imported. This number is provided to be able to maintain the records of how much is being imported and the quality of the gold. Gold is the most secured investment as it provides a long term value, no matter how many ups and downs hit the market making it difficult for the investors to fight for even survival. It being tangible and liquid, both, values to be an asset to an individual, allowing them to make the right use of it, when in need of money. It would provide the best possible value to the investment made.

05.21
15

Occupational Therapy Travel Employment

by como ·

Register with an Expert Healthcare Staffing Firm

Division of Labor’s Occupational Outlook Handbook for 2008-09 documented that in 2006, OT’s held about 99-thousand jobs in this region. They worked at hospitals, in offices of other well being practitioners like chiropractors, in universities and nursing facilities. Work opportunities for occupational therapists are predicted to grow a great deal faster than the regular for all occupations by way of the 12 months 2016.16.

The title of Occupational Treatment presents you 3 roads to get. You can be an occupational therapist, an assistant or an aide. Just about every of these titles comes with a distinctive training and licensing necessity, along with various responsibilities and salaries.

To come to be an Occupational Therapist in the United Says, you will require a Master’s Diploma and a license to apply. For the license, you will have to display that you have graduated from an accredited system and you will have to pass a national certification examination. Wage ranges from a small of 59K to the median of 65K and a superior of 72K.

Assistants of a therapist comply with the treatment method blueprints formulated by occupational therapists and would make positive purchasers are performing people activities satisfactorily. Occupational therapist assistants also preserve a log of patients’ progress for occupational therapists. To turn out to be an occupational therapist assistant, you will need to have an associate diploma or a certificate from an accredited neighborhood university or technical college. You’ll also have to do some medical fieldwork and most states demand that you pass a nationwide certification examination. Salaries for assistants collection from a reduced of 38K, to an typical 42K, to a significant of 46K.

Occupational therapist aides are accountable for getting ready the tools and elements that an occupational therapist will be using while in remedy. They are generally asked to cope with clerical responsibilities, as perfectly. An occupational therapist aide will normally be authorized to do on-the-occupation training immediately after finishing large college or receiving their GED. Aides are compensated possibly hourly, around $eight.20 per hour up to $21.22 for each hour. And each year they can earn from 17k to 44k for the 12 months.

Mainly because lots of jobs are in hospitals and nursing residences, it is just about assured that they will give a great advantages bundle along with the salary. To acquire journey occupational therapy careers a person should at minimum have a bachelor’s degree in from an accredited institute. People today seeking a occupation in travel occupational therapy should have sturdy interpersonal expertise, empathy, integrity, and fantastic communication abilities. A substantial sum of persistence is also necessary for doing this task.

Occupational remedy traveling employment are worthwhile profession options for pros who delight in exploring new destinations. A person can investigation for chances on the internet. There are many recruitment companies that give journey jobs in a selection of healthcare configurations such as hospitals, assisted living amenities, rehabilitation centers, acute treatment amenities, extended expression care centers, outpatient clinics, nursing homes, household wellness companies, instructional institutions and personal practices. The income may well differ dependent on their specializations, experience, and preferred site.

Occupational therapists on journey assignment commonly receive quite a few advantages these as:

*Competitive wages

*Compensated homes

*Travel allowances

*Medical, dental insurance coverage

*Assistance in licensing and immigration processing

*Continuing schooling

05.20
15

What’s Different About Industrial Marketing Communications

by como ·

A prospective Client asked me the question recently, Whats the difference between industrial marketing communications and regular BtoB marketing communications? The question took me by surprise, since I promote my business as an industrial marketing communications agency, and I thought any prospective Client of mine would understand what that meant. It led me to put my thoughts down on the subject: if one person didnt understand the difference there were bound to be others.
Key to the discussion is the definition of industrial marketing communications as opposed to BtoB marketing communications. Ive read some articles recently that use the term industrial media to describe more traditional marketing communications methods (printed materials, print advertising) as opposed to broadcast and digital media. I think this confuses some people who are already unsure of how industrial marketing differs from traditional BtoB marketing.
I define industrial marketing communications as:
Marketing communications tactics and tools created to promote an industrial service or manufactured product sold to industry.
The key is sold to industry. This is where industrial marketing and BtoB part ways. It is possible to offer what is considered an industrial service or to manufacture a product that are NOT sold to an industrial company. The word industrial indicates the production of an end product or a service that are not sold to businesses dealing with the mass consumer market. For instance, an industrial company is a refinery; a manufacturer of engineered plastic components; an engineering firm that specializes in building petrochemical plants; a valve repair company.
Heres an example of a service that could be provided to an industrial AND BtoB company:
Industrial Marketing Communications:
Maintenance company specializing in and targeting refineries, chemical and petrochem plants
Vs.
BtoB Marketing Communications:
Maintenance company specializing in and targeting large office buildings and retail establishments
In the first example, the decision maker for the service is probably going to be the plants maintenance manager, maintenance engineer, or if its a smaller plant, a GM. In the second example, the decision maker will be a leasing company procurement manager, a commercial real estate broker, the owner of the property, or possibly a building manager. Not only will their maintenance needs be uniquely different, the communications style and messaging for the two maintenance services will need to be different as well.
Typically, in industrial marketing communications, we are marketing a product to an audience that is mechanically or engineering minded. They are usually mid level operations management, as opposed to executive management. They are usually a much smaller and more easily defined target audience.
Here are some other distinctions between industrial marketing communications and standard BtoB:
1)Engineers often have a low opinion of advertising and advertising people. I have found that they will quickly dismiss an ad that uses an artsy or gimmicky concept. Since engineers are basically scientists, they do not like to view themselves as being influenced by slick graphics or ad copy (Artsy and gimmicky can work in many BtoB advertising campaigns.)
2)Someone with a more technical view of their job will generally make a decision to buy a product or service based more on logic than emotion. I realize that Advertising 101 stresses that an ad needs to trigger emotion, and this is effectively true in standard BtoB marketing. Ive found that most engineering and operations personnel will weigh FACTS and make comparisons based on the product or service that best meets his needs.
3)Industrial audiences want to know features, not just benefits. They want to know things like physical properties, performance characteristics, technical specifications, and efficiency ratings so they can make an intelligent decision. Typical BtoB ads do not stress this type of information; in fact, they most typically stress features and benefits.
4)Engineers and other technical types dont go glassy eyed when they read lots of industry jargon in fact, they like it. If you use jargon when you speak to an engineer, youre showing him that you speak his language. Dont just consider text as industry language. Engineers also have a visual language. Depending on their specialty, they use charts, graphs, tables, diagrams, drawings, and mathematical symbols and equations on a daily basis. When you use these visual devices it says to the engineer that hes seeing solid information not just marketing fluff.
It would be wrong to say that the same marketing principles don’t apply. They actually do; but they’re applied differently. Working with an industrial marketing agency that understands how to market to a more technical audience engaged in the production of actual products that make the world run can be a huge factor in getting it right straight out of the gate, or floundering while an agency tries to grasp the difference. If youre looking for industrial marketing assistance and interviewing agencies, ask them their definition of industrial marketing communications. If they cant give you some insight similar to whats in this article do yourself a favor and move on to the next candidate!

05.19
15

How Bankruptcy Affects Loan Modification Eligibility

by como ·

When a homeowner falls behind on debt and risks losing his home, filing for bankruptcy is often the first thing that comes to mind. Many think it helps increase their chances of getting mortgage aid, particularly in home loan modification. But does bankruptcy really give you an edge in negotiating with your lender, or will it only make the situation worse?

Understanding bankruptcy Being bankrupt means you’re no longer able to pay your creditors. That includes not just your mortgage, but also your credit cards, car loans, student loans, and all the other debts you currently owe. But while a home loan modification only changes your mortgage, the bank takes your total credit into account when evaluating your case. If your debt is large enough to qualify for bankruptcy, your bank may assume a home loan modification won’t do much to help.

Bankruptcy and foreclosure A number of experts say that bankruptcy is at best a delaying tactic for foreclosure. A recent study shows that about 96% of delinquent borrowers who declare bankruptcy still get foreclosed on anyway, so you may end up with both a bankruptcy and a foreclosure on your credit report. If you plan on applying for a home loan modification, try to weigh the advantages of filing for bankruptcy versus the likelihood of a foreclosure.

Costs of bankruptcy Bankruptcy may help you get rid of debt, but other costs can remain and may even go up. Check your insurance policies to make sure you won’t be charged for the bankruptcy, or that they won’t have any claims on your property or other assets afterwards. If you’re looking to save a certain amount monthly from a home loan modification, take the time to compare it with other costs and see if it makes financial sense.

Debt-to-income ratio Lenders usually evaluate home loan modification applications based on the ratio of one’s monthly income to the amount that regularly goes to debt. Generally, your total debt must not exceed 31% of your monthly income. Bankruptcy may bring your ratio down to a reasonable level, but some banks see it as a negative factor and may still turn down your application.

Credit score impact Finally, consider how a bankruptcy will affect your credit over the long term. Just like a foreclosure, a bankruptcy usually stays on record for up to 10 years and can get in the way of your future credit decisions. Assuming your home loan modification saves your home from foreclosure, the bankruptcy may affect you just as much.