One of the newest trends in business is to operate with either no physical office or a virtual shared co-working space. A shared co working space is a rented office space or cubicle that one person rents to conduct business. Usually there is a common meeting room that can be scheduled in advance for meeting with a client and as part of the rental expense you have the use of general office equipment such as a FAX machine, and copier. Some virtual offices even have a receptionist and a physical address to receive mail. The virtual office is set up to have the same look and feel as a conventional office would have except at a cost savings since you do not have the overhead expenses. The only thing you don’t have in a virtual office as opposed to a regular office is storage space. This is why many people who opt to use a virtual office shared space also out of necessity go paperless. Click here for more information on virtual office software.
A virtual office works really well for an independent home based business or a small team of associates that do a lot of their work in the field. If you are working in a shared virtual office space you will most likely do a lot of your work remotely, only using the shared office space for meetings and possibly a physical address. Electronic document management is essential for a virtual office work environment. In fact, working in electronic format is the most efficient way to operate in a virtual office environment. The best way to keep up with all of your electronic documents is to use client management software.
Document management is an important element of document control. Document management takes the guess work out of figuring out the status on important documentation. In any office environment, either virtual or physical, document management control software will keep an electronic record of document location and if you are working as part of a team document control will keep track of who has made revisions to a document and what those revisions are. A document management vendor who understands the virtual office environment will be able to tailor a software packages to your specific needs.
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The recession may have spurred more people than ever to prioritizing their money. By analyzing your income and the most important things you need to pay for each month, you’re protecting your current finances, and slowly working to improve them as well. Here are the most important things to do when prioritizing your money.
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Create yourself a budget
When creating a budget, first get a clear idea of all the money that’s coming into your home each month. After that, your expenses and make sure to look at past bills to make sure you don’t forget anything. You’ll also want to categorize your expenses according to your household needs, and they are usually the following: 1) Food 2) Shelter 3) Travel (which includes car payments, car insurance and gasoline) 4) Communication expenses 5) Entertainment and 6) Household expenses. As you can see from the list, you’ll see that food and shelter are at the top, as they should be. Shelter comes in second, as it pertains to the roof over your head, with travel expenses coming in third, as for most people this expense is necessary for getting to and from their place of employment.
Reduce your debt and save
Another critical thing you can do to prioritize your budget is reducing your debt. If you have a habit of taking out a payday loan to cover your expenses from paycheck to paycheck, or other similar practices, you’ll want to stop this kind of activity immediately. You also want to work at paying back any other type of loan that you may have, whether it’s a credit card or a loan. And to avoid racking up debt in the future, try to buy items you can only afford to make sure to pay them in cash as well. And if you do have to make a purchase with some kind of loan or credit, only do so if it’s an amount that you can manage and pay back.
And remember, always look at your income after taxes to ensure you get the clearest picture of your budget situation as possible. For more information about Finance visit nodoubtweb.com.
According to financial managers around the world, gold has continued to be one of the best investments that anyone can add to their portfolio. At over $1,600 an ounce, every investor should consider adding some gold now especially since there are more unfunded pensions and some countries continue to print money in spite of the recession because, investors can use gold as a “hedge” to protect themselves during these tough economic times.
Websites like Gold.co.uk have continued to tout gold as a “safe haven” and urge investors to invest in gold now especially since rising interest rates around the world are expected to stifle any economic recovery that the United States or other countries in the world have enjoyed recently.
Besides gold, investors are also flocking to the Swiss Franc because, it’s seen as one of the few safe currencies in the world today but as more investors invest in the Swiss Franc, the Swiss national bank has pegged their currency with the Euro in the hopes that this would stop investors from investing so heavily and even hoarding their personal fortunes in the Swiss Franc.
Although some investors will be staying out of stocks for 2012, stocks are the place to be for those investors who want to cash in on the economic good fortune of publicly traded companies that have seen sold gains for more than 52 weeks. Some of the best stocks that investors are flocking to this year are: American Express, Gannet Corporation, Kraft Foods, Proctor and Gamble and United Parcel Service (UPS). Each of these companies has enjoyed a significant 52 week progress and are expected to continue performing well into the future. Another hot trend right now is options trading. By monitoring binary option trading signals you can reduce risk and increase profits greatly. Before any investor decides to invest in these companies, they should contact their financial planner or research these companies thoroughly to make sure that they are the best investments for them.
Another great investment for 2012 are: homes, condos, commercial real estate and rental properties around the world because, thanks to the economic recession, investors can find great deals in properties, especially in London England where there are a wide variety of homes and also luxury homes that can be found for excellent prices. Any investor who is considering adding some rental homes or properties to their portfolio’s should consider London because, they will surly enjoy a great return on their investments if they hold onto a London property and sell it within three to five years.
WHERE TO BUY: Atlanta High Rise Condos
Fine Wine & Art
With the economic recession gradually slowing down, more wealthy investors will be selling their art and wine collections to cover their losses that they sustained over the last five years and this means good news for investors who are looking for great art and wine at excellent prices. Investors should keep their eyes open and watching the newspapers or financial periodicals for news of bankruptcies or trustee sales to find great deals on art, wine and other collectables.
2012 is going to be the year of economic recovery for the automotive industry as companies like Toyota and Nissan recover from 2011 losses and companies like Ford and Chevy become major players in the hybrid/electric car market.
To read more information about investing please visit www.tndwest.com.
Some languages are easier to learn than others. Reportedly, Spanish is the easiest and French falls in somewhere after that. With all of the opportunities to learn a foreign language these days – there are any number of companies that offer the latest technological advancements in teaching/learning a foreign language – you have but to decide which is the best, fastest, most affordable, etc. There are so many available, there has to be one out there that is perfect for you. As with anything else, you should always do your homework before purchasing any of these language learning programs. Fortunately this is easily done by opening up your favorite search engine and typing in the words (just as an example) Pimsleur French review. This will bring up reviews and testimonials, and possibly even a homepage, relating to this particular program and how people that have used it think it worked for them.
Is there a way to speed up the process? Absolutely there is a way, or several, to in essence speed up the learning process for just about anything. When it comes to speaking a foreign language there are some specific tips that, if you follow them religiously, may help you to increase your learning capabilities in a more timely manner. The first two are as follows:
As often as you can, speak French out loud. Even if you’re alone, making your mouth, teeth, tongue and throat work together to form the syllables and sounds necessary to speak proper French is of the utmost importance. Of course you may want to make sure that you’re in a somewhat private situation since speaking out loud to absolutely no one has been known to turn a few heads.
This is easier in public, but not so easy in private when your thoughts can wander. Think in the language of the French. Speaking out loud is important but you must try to have French running through your head as well.
Every now and then, but not so much to become tiresome, throw in a French phrase here and there. Possibly when you leave to say goodbye, or when you enter to say hello. You’ll think of something.
Grab a bunch of Post-it notes and post the French word for every single thing in your home directly on it – i.e. table, chair, mirror, dresser, bed, toilet, sink… You get the picture.
In addition to all of the above you must be sure to devote a steady, scheduled amount of time every day to the learning of your new language. Even if it’s only an hour a day when that’s all you can afford.
Feeling like you are in a fashion doldrums? You once were known as a style maven but lately nobody notices you at all. You have gotten totally comfortable wearing the same clothing style for work and casual occasions. Where you once kept up with all the latest fashion trends, you now just throw on anything and head out the door. You really need guidance on how to get out of this slump called a fashion rut.
Admitting you have a problem is the first step toward redemption. Once you realize you are in a fashion rut, the first step is to purge your current wardrobe. Look through your closet and determine what you can let go of and what you really should keep. It is amazing how we cling to our favorite garments and wear them week after week, while leaving other items to collect dust in our closets. If you have not worn an outfit or pair of pants for a year or more, it is time to be honest with yourself and donate it to a thrift shop. Someone else may be overjoyed to wear the item. This also will free up space for you with empty hangers and more closet space to buy something new.
Start looking in fashion magazines and in retail stores for inspiration. Sometimes after spending so much time in a rut you have to familiarize yourself with the new fashion trends in party dresses for women and get yourself jazzed up to go shopping. Cable television has many shows that deal with fashion. The Internet also has a plethora of information and even fashion shows you can watch demonstrating new trends.
Now that you are revved up with a renewed passion for style and fashion, it is time to get back in the game. Visit the mall stores and your favorite boutiques until you find that perfect signature piece that enhances your personality and figure. It does not have to be clothing. Jewelry, shoes, or a beautiful bag will all work as a foundation to build around.
Next, reevaluate your hairstyle. Perhaps it needs a renewal as well. Haircuts, coloring, and bangs all offer totally new looks to match your new wardrobe. Take a second look at your makeup. Those trends change also and many times we get in a makeup rut as well. New shades of lipstick and eyeliner or maybe decreasing how much makeup you wear can make a real difference in your appearance. Try switching out your old traditional duds for edgier styles. Swap jeans for leggings and that oversized sweater for a chic trench coat. No matter what your choices, getting out of your fashion rut will not only be fun but also reenergize your life to many new possibilities.
Fishing is an institution in American culture. It is a sport, a hobby, a way to hunt and gather food, a way to meditate, and a way to spend time with someone important to you all at once. It’s many things to many people, and if you’re a fan, here’s a few ways to enjoy both your passion, and the fruits of your labor.
If you want an experience that will stick with you for a lifetime, the short and sweet answer is to go salmon fishing in Alaska. It’s a truly awe inspiring experience.
So, you’ve caught a big one, but it’s a long drive back home. Why not just have it there out in the open? If you pack a grill and some tools and utensils before hand, you can skin and de-bone the fish right on the edge of the water, and toss it right on the grill from there. There’s nothing fresher out there, and it’s a great way to savor your catch.
If you’ve had fish cooked and served in just about every way imaginable, why not go for something a little different? Fisherman’s stew is not only a great way to use up your leftovers after a huge meal, but it’s also a great way to keep you full and warm over the course of a chilly fall day.
Want to get out there, and have a decent catch without having to do the hard part of actually catching it? Take a trip out to Seattle, and get some of the best fish out there from around the entire world. It’ll be a great chance to visit the Pacific, and you’ll have some good eats in the process.
Seasonal fishing is a great way to ensure that you’re catching the best fish possible. Really, there are few better times in the year to go fishing than the spring- the fish are fresh, and the weather is just about perfect. Not too hot, so you don’t have to worry about the sun taking it out of you, and not too cold that you have to worry about bundling up. Fishing during the spring really can be a magical experience.
From the always dependable zombie knife, to a hundred other options available to you, you’ve got your choice when it comes to survival knives. Depending on your needs, and level of experience, there’s a lot of options out there. Don’t think you’re alone in the woods, though- we’re here to help you pick out the blade that’s just right for you. Here’s three of the sop selling survival knives out there on the market at present, along with what makes them so special and unique.
Not only is this one of the most iconic knives out there, it’s also a favorite among the military, survivalists, and sportsmen alike. What’s more, you know it’s durable and of high quality, because it’s been tested repeatedly over the years by Marines. The KA-BAR first rolled out during the second world war for the Marines, and in no time at all, it became the default knife used by soldiers- to this very day! The knife is an all purpose device that has a timeless look. The blade itself comes in at seven inches, and it has a leather handle with a generous finger guard. Featuring a flat ground edge, the blade is simple and easy to sharpen.
With a blade thickness of one forth of an inch, the BK2 is just about powerful enough to survive any challenge, in any environment. It features a full tang design, meaning that the handle is two pieces of Givory constructed around pure steel. Featuring an elegant drop point design, and a sheath that has to be seen and felt to be believed, and it’s plain to see why the BK2 outhandles most other knives on the market. It doesn’t matter if you’re an old hand with outdoor survival, or new to the entire experience- you’ll be hard pressed to find a better knife.
To this day, SOG is one of the greatest knife manufacturers around. The SEAL Team knife is the pinnacle of their years of experience, and it shows, as this is a knife that’s built to last- no matter what you put it through. It features optimum sharpness, keeps its edge no matter what, its tip and blade have high breaking limits, the blade can withstand total salt water immersion, and it’s even resistant to most high temp fires. Add to these features that it’s highly durable while chopping wood, along with any other cutting applications you can think of.
Don’t settle for second best- do your research, and find just the right knife for your needs. If you’re going to have it by your side for years and years to come, you have to ensure that it’s one you can depend on and feel comfortable with.
Camping survival should always be at the front of your mind. It doesn’t matter if you’ve got years of experience under your belt, of if it’s your first time out. Planning carefully, and following through on those plans can sometimes mean the difference between a great experience and a miserable one, and in some extreme cases, the difference between life and death. Here are a few of the more common mistakes that some campers make when they head out into the wilderness.
It’s important to always plan for double what you think you’re going to need, and this goes for space as well. If you’re planning on having three people on your camping trip, get a tent that can comfortably hold six. It’s always the way that at the last minute, someone has a friend, relative, or whoever that wants to tag along. You might agree, wanting to be polite, but once you’re out there in the woods, and there’s no room for everyone, that politeness is going to quickly go out the window once shelter becomes a genuine concern.
Even if you pack everything that you’re going to need during the trip, if you can’t identify it by both sight and touch, and if you’re not familiar with how to work it properly, it’s not much going to matter once you’re in a situation where you need that specific piece of gear. Take an afternoon before the trip to familiarize yourself with everything that’s going along with you.
Never travel somewhere you’ve never been late in the day. You always want to arrive at your destination as early as possible. This is because getting there early gives you time to survey the area. There are a hundred different ways a camping area might not be suitable, and if you get there late, you could potentially be stuck for the night. Get there early, and that will never be an issue.
Even if you don’t think you’re going to need certain articles of clothing, bring them anyway. Harsh weather can be sudden and unpredictable depending on what part of the country you’re camping in. You don’t want to be the person stuck in your tshirt and shorts in the middle of a rain storm.
Unless you are a seriously experienced camper or hiker, it’s never a smart idea to camp too far away from your home. This is because even if you get lost, travelling in one direction should at some point get you to a familiar area.
After years of working, most people dream of the day they can retire and do what they want. No more alarm clocks, rush hour drives, or bosses. You don’t have to wait for vacation time or rush to get back to work. Life is going to be easy breezy. Until you wake up from that dream and realize your money is not going as far as it used to and adjustments must be made.
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In today’s economy it is hard to look forward to retirement. Many retirees are seen working as greeters at the local grocery or big box stores or other part time jobs, just to make ends meet. They wonder how it all came down to this because this was supposed to be their Golden Years. Here are some tips designed to help retirees save money and live frugal but enjoyable lives:
Seek out areas that are affordable to live. Not every place you visit is easy on the wallet in the long-term. Once you are living on a fixed income you don’t want it to be gobbled up by living expenses such as mortgage or rent, utilities, and food. Different magazines publish an annual list of recommended cities for retirees to relocate with the cost of living noted.
As you age, prescription drugs will almost certainly be a fact of life. Seek out ways to cut down on the cost by ordering online, at sites like CanadianPharmacyLink.com to compare the cost of bricks and mortar pharmacies and online savings.
Eat at restaurants that have special Senior menus or discounts from American Association of Retired Persons (AARP). Senior discounts are available in retail stores and other outlets. Seek them out and enjoy the special privileges that aging brings.
Sell your excess clutter at a yard sale or on eBay. You would be surprised at how much money your old junk can bring. Send the good stuff to the kids. It’s about time they took care of those antiques, leaving you time to travel and have fun!
In addition to the must know ways for saving mentioned earlier, there are a few other tips for retirees to keep in mind. Coupon clipping can mean a huge savings, during the retirement years. Making a habit of buying or subscribing to the Sunday paper will provide you access to the manufacturers coupon inserts ripe for the picking.
The bottom line is if you want to live a long time not stressing over a fixed income, you have to take the necessary steps to save money during your retirement years. That way you can fully enjoy yourself and the activities you plan.
For most of us, while we don’t look forward to the days when we start loosing our hair, we know that it’s unavoidable. It’s a part of the aging process for many out there, and we just have to deal with the cards that we’ve been dealt. Thankfully, there are a few alternatives out there that do yield some results, such as extensions for thin hair, and offer slight comfort when dealing with the problem. Here are a few of them.
First and foremost, you’ve got to keep what’s left of your hair. To do this, start by following a healthy lifestyle. Your hair is usually a good way to tell how your general health is doing. Good looking hair usually indicates that you’re healthy, while damaged hair and hair that’s falling out could be an indicator that you’re body isn’t doing so well. All that you can do for your health usually translates to your hair, so keep that in mind- have a steady intake of fruits and vegetables, have a balanced protein eating schedule, be sure your vitamins and minerals are balanced, and always drink lots of water.
For those who can’t let go of their hair, no matter what, there are several different types of hair replacement procedures, but each of them come with their own pros and cons. There are creams and ointment treatments out there that can encourage hair growth in certain individuals, but the application of them must be constant, and that can run into huge expenses over the course of months and years. There’s also hair transplant and grafting procedures, which do have their fair share of success stories, but if you’re not careful about who you get to do the operations, you could end up with a permanent head of hair that doesn’t look natural, as both procedures can be delicate in nature.
Hair extensions are a great option for keeping up appearances, but just like wigs, they require lots of care and upkeep. The main issue you’re going to run into is having them look the same quality as your actual hair. Both sets can end up taking on differnt levels of feel and appearance, depending on water exposure, weather conditions, humidity, and other elements. Keep this all in mind when you go to have the extensions applied- they’re great, as long as you care for them as much as you do your actual hair.
Sometimes, it can feel like you’re fighting a losing battle when it comes to your receding hairline, but don’t give up all hope just yet. There are options out there for those of you who care about what’s left of your hair, and want to preserve it for as long as possible.