Author Archive

07.7
15

Environmental Management in a Time of Great Need

by como ·

No one knows what is yet to come and how badly it can potentially be but it was a sure way for Mother Nature to communicate a clear message to humanity to wake up and stop being ignorant of what is at stake if we continually abuse the riches of the earth. And so to acknowledge and address this worsening situation, environmental management was created. It was actually created as early as the nineties but soared in popularity when the effects were so obvious in plain view.

Environmental management involves the process in which regulations are enforced to avoid damaging impacts to the environment as well as enforcing regulations that will be beneficial to the environment. Small business legal advice often includes guidance on these regulations. Organizations develop a management framework to help maintain environmental goals as the environment falls under every individuals responsibility.

As such ISO 14001 is the universally accepted standard in creating such a process and there are many ISO 14001 consultants that can help in business. This standard created by the International Organization for Standardization in implementing an Environmental Management System or EMS. It comes from a series 16 international ISO 14000 standards that serve as a framework to aid organizations in lessening the potential hazardous impact on the environment that can be integrated with other corporate processes to effectively achieve environmental and economic goals including the usage of natural resources, waste management and energy consumption. Though voluntary, organizations ultimately recognize it as a necessity. The beauty of ISO 14001 as a generic management system standard is that it can apply to any size and type of organization, no matter what type of product or service. It also applies to high to low risk service organizations alike as well as businesses in public and private sectors involved in manufacturing, process and service industries, while local governments are not excluded.

The basic principle of the ISO 14001 continual environmental improvement based on the Plan-Do-Check-Act system of Australia and New Zealand in 2004 that include 17 elements implemented in five phases which are environmental policy, planning, implementation and operation, checking & corrective action and lastly management review.

Plan, involves initial analysis of a company’s processes and products to effectively identify all elements of operation that may have an effect on the environment. The review aims to assist organization in making environmental objectives, goals and targets measurable and can identify legal requirements to be included in the process. Do is implementing the process itself. Check is identifying if the process has been a success while maintaining records to ensure that goals are achieved while aiming to ensure the consistent implementation of the process. Act is the process of altering procedures in place to improve results.

The benefits of implementing ISO 14001 does not merely address environmental concerns but also better compliance with legislative and regulatory law that diminishes the potential of being fined, better and more cost-efficient waste management, reduction in usage of resources as well as operating costs and being recognized internationally as an ISO 14001 compliant business for franchises over the world.

After having implemented the ISO 14001 environmental management system, businesses may have the option to undergo certification that involves evaluation of the EMS with a physical site visit from officials to see the standards were truly met. Once successful they are presented with certification that will be valid for three years. Various official boards and auditors all over the world can grant this.

Non-conformity to acquiring an EMS can be damaging to a company. It does not necessarily have to follow the standards of ISO 14001 yet following it can surely be advantageous. In fact, doing this in-house can be quite costly for a company due to a lack of experience and background. The best way to go about the matter is to hire an expert who can help reduce the cost. There are a number of established ISO 14001 consultants that can truly give you sound large or small business legal advice. An added advantage to hiring a consultant is that they already have an established network of bodies that help the certification process if not being an authorized body themselves. This also helps save on the legal costs one might procure in implementing EMS.

07.6
15

Cash In One Hour- Tremendous Financial Aid For People In Dire Needs

by como ·

Do you need quick cash to overcome your fiscal pressures? It is a fact that you cannot avoid the unexpected expenses or make delay in repaying it as it may let you fall in future debt problems. Thus, to overcome the uneasy financial phase of your life, here are cash in one hour for you. If you are unable to match up with your financial budget and desires, quickly get applied with this loan for immediate financial aid. Check this feasible and trouble free financial aid to meet your fiscal needs right away.

Cash in one hour is an instant and simplest form of loan that is available in short form of loan. If you are unable to arrange any collateral to pledge as a security, these loans prove as appropriate and beneficial for you. The loan money that you can borrow depends upon your monthly income that can be repaid when you receive your upcoming payday in your account. There will be no restriction in the spending of loan money. Enjoy this hassle free financial aid without any discomfort and hesitation.

Applicants who are permanent US citizen and complete the age of eighteen years or more can apply with this loan aid. Plus, a checking account under his name and a regular employment is required to prove his repayment ability.

If you are affected with several bad factors in your account like insolvency, foreclosures, bankruptcy, CCJ, arrears, defaults and so on, you can still accomplish the approval of one hour cash advance. This loan does not follow any credit checking process that let you fulfill your financial expenses without any credit issues. One need not have to face the favorism at all.

Online application method considered as the easiest and fastest approach for all. If you need to get the assistance of cash in one hour, make a careful research at online financial market. There are numerous lenders available that offer you immediate financial aid at competitive rates. Choose the better lender and land with the reasonable deal of all. Swiftly fill up a single online application form with few required details. Funds will deposit in your account within quick span of hours.

Anytime when you have inadequate finance but expenses are more, relying upon cash in one hour can be the swiftest financial aid. These loans are powerful source of finance that let you manage your uncertain financial ups and downs without any fuss and delay.

07.5
15

Quick Payday Loans For Bad Credit Peoples Useable Fund For Financial Urgencies

by como ·

To obtain some funds where one should go. There may be plenty of ways through which you can derive funds but all of them are not liable to lend you funds in as little as possible time. First of all you will definitely ask your friends or family members for funding, or you would like to break your savings account. In addition, you have an approach to apply for bank loans but they are also difficult for you. Nevertheless, you do not need to get worried about arrangement of fast money since quick payday loans for bad credit people are there to give you significant financial aid in stress free way.

These are kinds of small short term financial aids released in online financial market where you can easily find them out. Thats all you have to search for the keywords quick payday loans for bad credit peoples in any search engine and then click on it. Just in a moment you will find a loan website on which you have to complete a simple application form with the required details and then, submit it. After confirming your details, the finance is transferred direct into your account. Good thing is that you do not need to waste your precious time as it is free from all hassling procedures.

You can apply for a loan amount ranging from 100 to 1,000 with quick payday loans for bad credit peoples without giving any sort of security. You have to repay the finance within a period of 14 to 31 days. You also have chances to increase repayment term as per your convenience by pay a nominal charge to the loan provider. There is no collateral required in lieu of the loan and so the rate of interest charged is somewhat higher than other loans.

With the availed fund you can easily meet with various small short term financial purposes such as clearing off medical bills, paying for childs school or examination fees, sudden car repairing costs, going on small holiday trip to countryside, loan installments, credit card payments, shopping bills, paying electricity or grocery store bills and many more.

You will be absolutely an ideal candidate to derive quick payday loans for bad credit people in spite of having bad credit history. Thats all you have to be a resident of United Kingdom above 18 years old, your must be a fulltime employee herewith steady income and you have a valid active checking account. Afterward, you marked with bad credit scores including defaults, arrears, foreclosure and even late payments can also derive these loans without any hassle.

07.4
15

How Condominium Owners Associations Get Their Financial Reports Done Swiftly

by como ·

When you are in a place where you are part of a condominium owner’s association, you may find that there is a lot more on your plate than you think there should be. The truth of the matter is that when you are an organization like this one, thee is a lot of trivia that can take over your day and unless you are careful, you are going to run yourself right into the ground with the kind of work that you need to do. That being said, you will find that the work that you do is going to be necessary if you want to make sure that your association runs well, and part of doing that is the chore that is known as the financial report!

The financial report that a condominium owner’s association needs to compile and turn is something that is irritating but wholly essential to the way that the organization is run. It puts everyone on the same page, it lets you know where the previous year has taken the association and it can give you a great hint of where you are going to be in the future. There are so many things that a good financial report can do for the organization that just about everyone will agree that is necessary; the issue that comes up is one where no one has the time to do the report or that no one feels qualified to do it! If this occurs, what do you need to do?

This is where outsourcing comes in. When you are looking for duties that can be outsourced from your condominium owners association, remember that your financial reporting duties can definitely be one of them. There are a number of organizations and services out there that would love to take those duties off of your hands and free you up for something that is much more interesting. When you are looking at giving your financial reporting duties to an organization, what can you expect and what are your options when it comes to the scope of the duties that you can give up? There are many services out there that are going to have an extensive list of things that they are willing to do for you.

For instance, you will find that a good service can do everything from arrange your budget to collecting the homeowners’ dues to preparing financial statements for the Board. They might assist or even perform an audit based on the tax reports and they may do things lie pay association invoices. Essentially, they can take on nearly every aspect of bookkeeping that is important to your association. If you have ever felt as though you were plagued by the hundred and one small details that will bog you down when you are trying to get something done, this is the service that you might want to take a careful look at.

Consider how you are going to be able to take advantage of the financial services provided by the proper organizations; this can be a great way to maximize your time.

07.3
15

The Four Pillars Of Financial Intelligence

by como ·

You would think it would be easy to get people to admit that they want to be rich and then take action, wouldn’t you? But no, people are very worried about firstly admitting they want to be wealthier, and then very fearful of taking action. So, as a Wealth Coach, I usually prefer to talk about Financial Intelligence rather than Wealth Creation.

In order for people to get excited enough to make the leap and join The Money Gym, we have to talk about becoming a millionaire, and the millionaires we have helped create, because most people can’t often be bothered for anything less.

Unless there are guaranteed results and they are big and compelling enough, people often don’t want to pick up a book turn off the tv, go to workshops and learn anything new, certainly not for anything less than millions. And they want it quick too!

Really, Wealth Creation and Financial Intelligence are very similar animals, but Wealth Creation needs to be underpinned by Financial Intelligence, otherwise the wealth will go the way of the wealth of most lottery or competition winners up the Swanee, spent on fast cars, big houses, champagne and very unsuitable companions!

Actually I just described my old age, if you add in long holidays in the caribbean, purple velour shell suits, with lurid hair to match, lots of bling and unfeasibly high gold sandals.

However, rather than my frittering away my kids inheritance, my old age will be funded from ever renewing wealth, because I will have finally graduated in Financial Intelligence 101 by then.

I’ll come back to the kids inheritance later.

How can you train your brain to think in a Financially Intelligent manner? I like to think of Financial Intelligence as a platform on which you build your wealth. And like any platform, it needs to have a sturdy support, which I think of as….The Four Pillars of Financial Intelligence .

PILLAR ONE

Pillar One is “Managing Your Mind” where you discover where you are now financially, your family history with money, where your beliefs, behaviours and attitudes to money have often come from.

Then you must look at your abundance versus your scarcity thinking and learn how to monitor that carefully because that old scarcity thinking will pop up when you least expect it.

Whenever you find yourself thinking “I can’t afford it” then you need to beware! You are getting into the wrong mind set and closing yourself off to ideas.

Think instead “how could I afford it?”

PILLAR TWO

Pillar Two is “Managing Your Money” and covers budgeting, cashflow management and projections, credit management and debt busting. Knowing the difference between good debt and bad debt (and if you don’t know the difference then you need to read “Rich Dad Poor Dad” by Robert Kiyosaki fast!).

Learning how to pay yourself first rather than paying Starbucks, Vodaphone, your local curry house, Sainsburys, Egg, Total Petrol, and the list goes on

07.2
15

The Importance Of Quality Banking Software

by como ·

Perhaps as never before, the necessity for excellent banking software has become evident. Retail banking requires a client-focused approach that will attract new customers and maintain them in a long term business relationship. One way to ensure customer satisfaction has been to guarantee rapid response to questions as well as information-gathering for business transactions. New banking software technology can provide broad retail functionality while it supports various multi-channel models simultaneously. Scalability and resilience are also important features in quality software for banking needs. New core banking applications need to be able to address and support merger and acquisitions activities.

A new concern has been raised by the recent financial collapses within the banking industry. Astute attention to collateral management might have played a positive role in averting some of the humiliating losses that occurred and adversely affected so many smaller banks and loan institutions as well as the customers they represented. Quality banking software is being developed to include systems that monitor collateral descriptions and types. It will have the capability of maintaining customer information, collateral data, and credit count relationships. This will be a significant part of any core banking application program.

Excellent financial software is also available for corporate and correspondent banking requirements. This software can introduce new business models as it responds speedily to ever-changing market conditions. It can reduce costs and identify and manage the risk factors at work, as well. In collateral management, this feature will assist in recognizing collateral shifts in value before they can cause significant damage. An excellent banking computer program will be flexible enough to include new products as they become available and should improve the overall efficiency of the banking business. All of these improvements should add value to the customer relationship which, of course, is paramount.

When one thinks in terms of universal banking, the amount of information that must be gathered, processed, re-calculated regularly, and stored is mind-boggling. More and more banks have chosen to simply out source some of this mass of data collections, including information in collateral management, rather than handle it in-house. New technology will allow for broader functionality in the banking service. Various different kinds of banking products will be able to move across all kinds of channels, especially on the international level. This agility will enable banks to compete with the large international financial institutions that venture into their markets.

When considering the best in banking software, one must look at its “functional richness” as well as its scalability and flexibility. It must be adaptable to the latest in open technology, and it should include a system- connectivity with collateral management. Customers today want as close to real-time views as possible. They want quick access to their counter-party’s collateral and exposures. The ability to function with broad and sweeping informational strokes will strengthen the attractiveness and competitiveness of banking operations for the approaching years.

07.1
15

The Honcho of the Indian Sweets and Snacks Industry

by como ·

Food is the very essence of survival. It is not only the whole meals that have gained popularity but also veg snacks items, chaat, sweets, namkeen, etc. that are equally savored. There are a very few Indian brands that are renowned not only in the Indian market but also overseas; worth mentioning is Bikanervala. The honcho in the Indian sweets and snacks industry is obviously the century plus old Bikanervala. Ask any foodie freak about Bikanervala and pat would come the reply in the positive with a mention of food items in the Bikanervala menu such as veg snacks, chaat, namkeen, sweets, etc.

Here is a list of the food items included in the Bikanervala menu: Sweets: Premium sweets, traditional sweets, khoya sweets, Bengali sweets; few of these include rasgulla, ghewar, malai chap, rasmalai, kalakand, petha, pakija, laddoo, barfi, shrikhand, etc. Namkeens: Aloo bhujia, peanuts, badam lacha, bikaneri bhujia, chana masala, cornflakes mixture, dal moth, ganthiya, kaju mixture, etc. Chaat: Bhalla papri, lachha tokri, pani puri, bhel puri, matar kulcha, dahi bhalla, aloo tikki, kachori with sabji, paneer tikka, raj kachori, papri chaat, etc. Veg Snacks: Chole bhature, paneer pakoda, samosa, kachori, matar kachori, dhokla, sandwich dhokla, pav bhaji, etc. North Indian Cuisine: Shahi paneer, chana masala, seasonal vegetables, dal makhani, rajma masala, special rice, eco meals, onion kulcha, paneer nan, butter nan, etc. South Indian Cuisine: Plain dosa, masala dosa, onion rawa masala, rawa plain dosa, rawa masala dosa, uttapam, vada sambhar, sambhar idli, etc. Chinese Food: Tomato soup, veg chowmein, veg coupsey, sweet corn soup, veg fried rice, spring roll, veg manchurian, talumein soup, paneer chilly, etc.

Other food items in the Bikanervala menu include continental food, beverages & shakes, and bakery items.

Bikanervala provides latest information on food in india, sweets,indian sweets, pani puri, namkeen, south indian food, sweets shop, vegetarian snacks, bengali sweets, sweets online and about all Bikanervala Sweets, Bikano, Bikano Chat Cafe products and bikanervala menu.

06.30
15

Long Term 2,500 Loan With Bad Credit Instant Cash For Long Term

by como ·

Loan with Bad Credit have been planned for the people who are the holder of bad credit record such as amount outstanding, arrears, defaults, late payments, insolvency, country court judgments (CCJs), individual voluntary agreements (IVA) and so on. Generally, bank and other loan lending companies do not approve the loan application of such borrowers but bad credit loans do not involve any process that can be a barrier in obtaining loan. Loan with Bad Credit helps the borrowers in the hour of financial crisis when they are in any emergency. Such type of loans can be used for any purpose. By taking the help of the loan amount, you can repair your home, buy of car, pay for higher education or consolidate multiple debts or whatever you need. If you make the repayments proper and timely, it will also help in fixing of your bad credit score.

In order to avail the loan you will not have to bestow anything as collateral for the security of the loan as these are unsecured loan in nature. Moreover, you have no need to fax the documents since these are faxing free loans. To obtain the loan you just need to fill out a simple online application form with all requisite information and as soon as it is approved by lending company after the verification process your required loan amount will be transferred into your active checking bank account on the same day of applying. But make sure you can apply for the loan if you are 18 or above of the age, you have an active checking bank account at least six months old, you have regular source of earning, your income per month is not less than 1000 per month and you are the citizen of UK.

With the modification in time and policies, the application process of long term loan with bad credit has become easier and faster with the advent of internet. The method of applying online provides better services and conditions with no hassle and saves your time also. Online lenders give you long term loan with bad credit at competitive rate of interest instantly. While making a selection, certify the lenders’ rates and terms-conditions by making comparison between them as there are many lenders having various rate of interest.

06.28
15

How To Explain Financial Analysis

by como ·

Individuals or firms trading equity (stock) on the stock markets as their principal capacity are called stock traders. Stock traders usually try to profit from short-term price volatility with trades lasting anywhere from several seconds to several weeks. The stock trader is usually a professional.

A person can call himself a full or part-time stock trader/investor while maintaining other professions. When a stock trader/investor has clients, and acts as a money manager or adviser with the intention of adding value to his clients finances, he is also called a financial advisor or manager.

Financial accountancy (or financial accounting) is the field of accountancy concerned with the preparation of financial statements for decision makers, such as stockholders, suppliers, banks, employees, government agencies, owners, and other stakeholders. The fundamental need for financial accounting is to reduce principal-agent problem by measuring and monitoring agents’ performance and reporting the results to interested users.

Although many companies offer courses in stock picking, and numerous experts report success through Technical Analysis and Fundamental Analysis, many economists and academics state that because of Efficient market theory it is unlikely that any amount of analysis can help an investor make any gains above the stock market itself. In a normal distribution of investors, many academics believe that the richest are simply outliers in such a distribution (in a game of chance, they have flipped heads twenty times in a row).

In this case, the financial manager could be an independent professional or a large bank corporation employee. This may include managers dealing with investment funds, hedge funds, mutual funds, and pension funds, or other professionals in equity investment, fund management, and wealth management. Several different types of stock trading exist including day trading, swing trading, market making, scalping (trading), momentum trading, trading the news, and arbitrage.

Financial markets have evolved significantly over several hundred years and are undergoing constant innovation to improve liquidity. Both general markets (where many commodities are traded) and specialized markets (where only one commodity is traded) exist. Markets work by placing many interested buyers and sellers in one place, thus making it easier for them to find each other. An economy which relies primarily on interactions between buyers and sellers to allocate resources is known as a market economy in contrast either to a command economy or to a non-market economy such as a gift economy.

Financial accountancy is used to prepare accounting information for people outside the organization or not involved in the day to day running of the company.
Managerial accounting provides accounting information to help managers make decisions to manage the business. In short, Financial Accounting is the process of summarizing financial data taken from an organization’s accounting records and publishing in the form of annual (or more frequent) reports for the benefit of people outside the organization.

Financial statements (or financial reports) are formal records of a business’ financial activities. In British English, including United Kingdom company law, financial statements are often referred to as accounts, although the term financial statements are also used, particularly by accountants. Financial statements provide an overview of a business’ financial condition in both short and long term. There are four basic financial statements.

The objective of financial statements is to provide information about the financial position, performance and changes in financial position of an enterprise that is useful to a wide range of users in making economic decisions. Financial statements should be understandable, relevant, reliable and comparable. Reported assets, liabilities and equity are directly related to an organization’s financial position. Reported income and expenses are directly related to an organization’s financial performance.

Stock traders/investors usually need a stock broker such as a bank or a brokerage firm to access the stock market. Since the advent of Internet banking, an Internet connection is commonly used to manage positions. Using the Internet, specialized software, and a personal computer, stock traders/investors make use of technical analysis and fundamental analysis to help them in the decision-making process. They may use several information resources.

Some of these resources are strictly technical. Using the pivot points calculated from a previous day trading, traders are able to predict the buy and sell points of the current day trading session. This pivot points give a cue to traders as to where price will head for the day signalling the trader where to enter his trade, and where to exit. There are criticism on the validity of these technical indicators used in technical analysis, and many professional stock traders do not use them.

06.27
15

Indian Art And Craft Industry- An Overview

by como ·

Indian Art and Craft Industry- An Overview

India is a land where every corner is evident with the greatness of art and craft. The traditional quintessence of Indian art and craft can be seen even in the daily used objects like earthen pot, mugs, bed-sheets or any such things. The objects are created with a great creativity that portrays magnificent work of art. That is what Indian art and craft industry is!

Indian art and craft is an old saga. Although, the present state of the industry is flourishing with a touch of contemporary designs and patterns but it is deeply entrenched with the rich craft customs from the past. The uniqueness in the Industry lies in its own way.

India”s richness in art and craft can be seen in every product whether garments, Jewelleries or household furnishings. These products are a perfect mix of traditional designs and modern techniques. Due to their diversity in designs and their being utilitarian in nature, they are high in demand. This has given many Indian traders to invest in the industry and flaunt India”s custom across the world. Products such as table mats, napkins, bed sheets, lamp shades etc are made out astoundingly with the use of natural material, textile printing, block printing, tie and die, hand printing etc, and are much in demand. Gems and jewelries are other obsession of India. The rising demands in gems and jewelries have transformed Indian craft traditions into a full-grown organized industry. Garments such as woolen shawls and phirens from Himachal, traditional sarees ranging from Banarsi Amru, Tanchoi, Paithani, Patola, and Kancheevaram are the most popular export garments. Indias zardozi and brocade work are highly recognized these days. Other utilitarian craft products like cushions, curtains, bedcovers, sheets, metal furniture, wood furniture, boxes, cabinets, terracotta items, utensils, garden pots, papier-mch products, brass and silverware, carpets, rugs and durries from Kashmir, jute and coir items, wood and stone sculptures, traditional paintings, decorative pieces, embellished wooden sculptures, stone and wood carvings, and many more are on the rise in India as well as in abroad.

Here is the Swot Analysis of the Indian art and craft industry that gives you more information on the present status of the industry;

Strengths

“The industry has potential in domestic as well as international markets.

“It provides wide variety in each product and exhibit diversified culture of India.

“Industry caters to the different market sectors covering handicrafts, textiles and jewelries.

“Gives potential source of employment

“It requires low capital investment

“It is a great source of foreign revenue as it is a huge export industry.

Weakness

“Industry lacks communication and infrastructure

“Lack of co-ordination between Indian manufacturers-exporters and Government

“Inadequate information available on new technology

“Industry is still confined to rural areas of the nation

“No promotional support is given to the sector

Opportunities

“Emerging demands of Indian crafts across overseas

“Development of retail sectors and changing lifestyles offer huge requirements of such products

“Rise in the industry is due to development in tourism

“Internet has emerged as a mean to develop its market network

Threats

“Increasing competition in domestic markets

“Quality products manufacturing by countries like South Africa and China

“Better trade terms are offering by these countries

“Competing countries offer better technological support and R&D development facilities

“Challenge to establish balance between demand and supply of quality products

The reason why Indian art and craft is highly appreciated and constantly flourishing in domestic and foreign markets are due to its utilitarian nature and high acceptance among people of India and people across the whole world.