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Monthly Archives: August 2013

Lessons Learned From Wealthy Investors

saving-money-how-to-get-richLearning and developing the characteristics of wealthy people is a great way to start fostering your own financial independence and success. Most people who amass an abundance of cash and resources, do so because they have the right personality traits and lifestyle habits. Their ability to remain steadfast in their pursuit of goals and to save what they possess, allows them to enjoy richer, fuller and more stable lives. Following are 3 characteristics of wealthy investors that anyone can pursue.

Investors  Are Optimists

Of the different characteristics that wealthy people possess, contentment is likely the most important. Although many people believe that money brings happiness, in reality, the opposite is actually true. If you can maintain an upbeat state of mind, you will start becoming more aggressive and proactive in your wealth-building endeavors. Those who are perpetually depressed and downtrodden are often too beaten down to even try.

Able To Avoid Impulse Buys

The typical consumerism mentality does not apply to those who are rich. This is because they do not have as many emotional associations with spending. Buying new products is not directly associated with their happiness and thus, they can commit to purchases from a very realistic and balanced mindset.

Conversely, people who are constantly searching for happiness in things are more prone to buying items that they really don’t need or won’t use. For this and other reasons, in order to start generating real wealth and hanging onto it, you will first have to learn how to define the source of your happiness differently. If you can achieve a positive mindset and feelings of contentment without spending, it will be much easier to invest and save.

Perseverance

Wealthy people get where they are because they are willing and able to persevere. In spite of the unfortunate and all too common belief that rich people have it easier, negative developments and events are inevitable for every living being. The ability to rise above these things and to make changes wherever possible, is how people are able to take their proverbial lemons and turn them into lemonade.

Getting Out of Financial Rat Race

Sometimes it seems like you are racing on a treadmill when it comes to paying your debts, you are always trying to pay up your debts with a lot of difficulties but you never get them over you. Getting out of the race may not be as easy as many would think, it requires one to have some skills to be able to pay up the debts easily and live a stress free life.

Here are several  tips from wise investors:

1. You may hide your credit card so as to avoid adding new debts every now and then. You may be in need for your credit card in case of emergency but let it not be as near as being in your wallet. This prompts you to use it in matters that don’t really matter. It will be safer if you leave it in a desk at home or even keep it in a huge block of ice so as to avoid accessing it easily. The point here is that you should avoid having it close to you as this may tempt you to use it.

2. Learn to pay your bills in order of their interest rates. This is recommendable as it reduces the burden that you will have in time to come hence making life easier for you.

3. Ensure that you even pay the smallest balance on every bill and more towards the one with the highest interest rate. This aids in avoiding late fees.

4. Follow up your spending habits within a week and get to know where you use more money on. Each and every one of us buys food but you don’t have to eat each and every day anyway! On tracing your spending habits you will be surprised how it’s possible to cut down on some expenses that are not very necessary.

5. Get rid of the unnecessary expenses and use the saved cash to pay up your bills. Instead of hanging out for a movie, get a free one from the library and so forth. You will be surprised how things will start getting easy on you.

6. You may now pay the next debt after you are through with one with the highest rate. Eliminate your debts one by one and within some short while you will be out of the rat race!

Michael Hastings is passionate about saving, investment and business. He is also a savvy investor who works for Nick Scali, a furniture company.

 

 

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THIS BITES! – AdWords Keyword Tool Is No More, Enter Keyword Planner

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AdWords Keyword Tool Is No More, Enter Keyword Planner

Google’s AdWords Keyword Tool is officially dead. It now redirects to a support page explaining that, “Keyword Planner has replaced Keyword Tool.”

Google announced back in May that it was combing Keyword Tool and Traffic Estimator into a new tool called Keyword Planner.

“Behind every successful AdWords campaign are well planned out keywords and ad groups,” said AdWords product manager Deepti Bhatnagar at the time. “In the past, you may have relied on tools like the Keyword Tool and Traffic Estimator to identify new keywords and ad groups, get traffic estimates, and choose competitive bids and budgets. Over time however, we’ve heard from you that having two tools for search campaign building was cumbersome.”

“We’re constantly working to simplify the process of building campaigns, and today we’re happy to announce the launch of a new tool, Keyword Planner, which combines the functionality of the Keyword Tool and Traffic Estimator into a smooth, integrated workflow,” Bhatnagar added. “You can use Keyword Planner to find new keyword and ad group ideas, get performance estimates for them to find the bid and budget that are right for you, and then add them to your campaigns.”

Apparently the new tool isn’t going over so well among Keyword Tool fans. As Ginny Marvin at Search Engine Land points out, Twitter users have been complaining quite a bit.

Image: Google

 

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How To Make The Most Out Of Networking Events

Networking is really important for any businessperson or freelancer. It is a great way to build relationships and even meet potential customers. But unless you know how to make the most out of these networking events they can end up wasting your time. Thus it is important to ensure you know some of the best ways to help you make the most out of participating in these events.

Go With A Clear Focus Of Achieving Something

Before the networking event takes place it is essential you understand the purpose of the event and set yourself a few simple goals. This will ensure you don’t just attend the event and treat it like a social gathering but you will benefit your business by attending the event.

Make sure you also have enough details and stories in your head to tell to other people about your work and your history. This will help you remember the key points to mention. Don’t rehearse the points as a set of answers or phrases as this might come off a bit too planned. Instead, just have the key points in mind so you always have something attractive to offer to people you talk with.

Mingle With A Lot People

It is also important you talk to as many people as possible during the night. But don’t just rush around the event, introducing yourself to everyone and then moving on to the next target. As The Undercover Recruiter points out it is important you engage in meaningful discussion with people and show them you are interested in their ideas instead of just handing out your business card to everyone.

If possible you can think about the people that might be attending beforehand and try meeting people that can really help you out with your business. Don’t spend too much time talking with people you are already in close contact with but focus your energy into meeting new people.

Make Sure You Share Your Information

You also need to keep handing out your business and contact information to new people you meet. Thus make sure you have a proper business card to give out. It is really important you focus on creating a professional looking business card. Make sure it is a simple design that includes all the key information.

It is also a great idea to join the major social media networks like Twitter. You should also join Enthuse to add a professional profile to your business card. The site is a great way to build your portfolio and have an effective online profile.

Stay In Touch

You also need to do a few things after the networking event to ensure you make the most out of it. Go through all the business cards you collected and get in touch with the people you feel could really benefit your business. Send them an e-mail or even give a call in a few days time and ensure you can build a great business relationship.

With these simple tips you can make the most out of networking events and really ensure they give you an extra boost to your business.

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Fiona is a skiing-enthusiast who loves to help out new freelancers break their way into the competitive world of freelancing. When she isn’t typing away on her computer or daydreaming about the upcoming winter she can be found at the local library reading about Egyptian history.

 

 

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What To Consider When Purchasing Your Office Furniture

Selecting new furniture for your office may not be the toughest task on your long list of things to do, but if you think it’s just a case of ordering the first things you come across that seem to fit the bill; you may be missing a trick. The furniture in an office can have a big impact on the way that everyone works and the wrong kind of equipment could cause problems in the future.

So whether you’re refurbishing your office or just looking for a few items that will improve your working environment; what should you be thinking about?

Comfort

Comfort should be high up on the list when purchasing any type of furniture and it is no different in the office environment. The last thing you want is for your workers to be complaining that they are not comfortable as this could possibly lead to health issues in the future and may mean people are off work for some time.

You also need to think about your clients and the fact that they could possibly be using the furniture at some point. If they end up sitting on an uncomfortable chair then it could reflect badly on your company and it may even put them off doing business with you.

It’s not just chairs that need to be comfortable either. Things like desks and tables still need to be ergonomic so that they are easy to use.

Productivity –

You may not think it but office furniture can have a great impact on the productivity of your staff. Not just because uncomfortable furniture will mean they are less likely to be able to concentrate but there are also issues of practicality. Will chairs with wheels on mean that your staff are constantly fidgeting or will it mean they can communicate better with people from other areas of the office?

It’s also important to think about productivity when selecting storage options. If it’s easy to store things and access them when needed then less time will be wasted searching through cupboards and cabinets to find what you are looking for.

The Growth Of Your Business

You may only have a few employees working for you at the moment but it is important to think about how you are going to grow as a business when conducting your office refit or refurbishment. It may work out cheaper to buy desks and chairs in bulk now rather than just buying a few for now and then purchasing them singularly as and when more people join the company.

You should also think about how technology is going to affect your working environment in the future. Things change quickly in the technology world and so you may need to make arrangements for future develops. For example, will you be incorporating video conferencing in the future? Thinking ahead will mean you are better prepared for your company’s impending expansion.

Space Planning –

How you arrange your office can have a big impact on the general atmosphere and productivity of the workplace. Therefore when you are choosing pieces of office furniture you should be aware of exactly how much free space you have and exactly where things will be going when they arrive. Over filling your office with equipment could lead to a crammed working environment which will not prove fruitful at all.

Cleanliness –

Hygiene is important in any workplace and so you need to take into account the type of material your furniture is made from. Something that shows stains and that isn’t easy to clean may not be the best choice in an environment where cleanliness is a priority.

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Chris Mayhew works within an office environment and understands how important furniture can be to the dynamics of a workplace. He would recommend that anyone looking to fit out their office visits the Premier Office Solutions website.

 

 

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The Origin of the Power of Money


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By: Michael Vladimirovich

Money runs the world’s economy. It determines who rules nations, and it rules lives.

These are the three most significant properties attributed to the power of money, in addition to its basic function as a medium of exchange. But we can attribute several less significant properties, although similarly important, to the power of money. They include:

1. Money separates people of the same nation into classes, divisions and groups.
2. The pursuit of money and wealth can turn man against man, son against father, family against family and nation against nation.
3. Money’s devaluation of natural values makes Nature the object of buying and selling.
4. The ability of man to perform labor by placing a price on his head allows one man, or group of men, to enslave another individual or group of individuals.
5. The ability of money to corrupt tends to change man’s personality from social being to self-oriented individual.
6. The power of money drives people to produce services in order to pursue everyday life. This inflicts stress upon people, leading to a spiritual breakdown manifested in acts of crime and mental illnesses.

Amazingly enough, not many people in modern society are aware of the source of the power or money, including businessmen such as bankers, money market brokers and financiers, who consider themselves money experts.

Perhaps one of the reasons the origin of money’s power is one of the least discussed subjects among academics is the non-existence of prehistoric written records. The second reason is historians’ failure to unveil when and how currency converted from an ordinary medium of exchange into the dominant value of society by expanding its usage to include rendered labor compensation. Also, when and what societal changes elevated the abstract value of currency into an absolute ruling power over humans, including all natural values and treasuries of the Earth.

The blank page left by the theory of early civilization about the invention and rise of money invited independent thinkers to develop their own theories. The records indicate that this enigma is hidden in the formation of the first state and government. Reforms enacted almost 4,000 years ago led to the breakup of the original communion society, creating conditions that enabled different classes of people to pursue independent ways of life.

Regulating all natural values and treasuries, including human labor, through money, one individual was able to declare himself the king, and establish absolute ruling power over society by entrapping people within guarded wall.

This historic event advanced the abstract value of money from the ordinary medium of exchange to an absolute ruling power unparalleled in the real world. Some ancient spiritual leaders expressed a serious concern about the prudence of the proposed reforms.  They warned that the enactment of these reforms would void the God-given dominant role of natural values within society at the expense of the abstract value of money. This would subsequently interrupt the relationship between man and nature, and change the original role of man upon the Earth from the guardian of nature to the biggest annihilator of nature.

But the followers of the philosophical doctrine of man’s uniqueness compared to other species dismissed such warnings. Promoting man’s spiritual virtue of freedom to make his own norms and laws instead of following the law of nature, they were delighted by the proposed reforms.

Ever since, the corruption, exploitation of one man over another and class warfare became the norms of the New World Order leadership. The comparatively recent freedom movements that led to the French and Bolshevik revolutions failed to liberate people from the chains of money’s absolute power. Despite that, the idea of freedom lives on in people’s minds, inspiring liberators to wonder why the formation of a communist state failed to succeed.

The liberators failed to realize that the institution of state and government is the foundation that, by providing the conditions for money currency to function, imposes absolute ruling power over society. This means that the institution of state and government is not a suitable foundation for the establishment of a free, classless society.

The only way to liberate society from the absolute power of money is to return to the system of farming communities and declaring abolition of money currency, which would ultimately lead to dismantling the institutions of state and government.

However, taking into account that man is biologically a mortal relative entity incapable of resisting temptation offered by the absolute power of money, the prospect for the abolition of money is not practically realistic.

About Michael Vladimirovich Trisho

Michael Vladimirovich Trisho is the author of “How Did Humanity Become Enslaved to Money?” http://tinyurl.com/lwh4yzb. Born in Panchevo, currently part of Serbia, Trisho’s tendency to inquire about the mysteries of the world using reason and logic were evident at an early age. All his life, he wondered how humankind became entrapped by money and why people believe a money-based society is best. After immigrating to the United States, he continued to examine early history in search of answers about the monetary system and its relation to the institution of state. Examining archeological fossils and excavations focused only on a narrow part of early human experience and did not reveal important events that played a critical role in society’s development. Michael created his own reconstruction of events, the product of which is his debut novel.

 

 

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There Is No ‘I’ In ‘Space’

Open office design has become mainstream enough to have its own Wikipedia page (no, really) and it has been around since the 1950s, rapidly popularized in the authority-challenging 1960s and growing ever since. Yet supports still approach open design with new eyes, and that all-is-new perspective is apparent in Alexandra Levit’s article on ways to use open office design to map corporate culture.

She hits on some familiar themes:

  • Open designs help “relax hierarchies.”
  • Having low or no cubicle walls improves “collaboration” so “people will naturally connect with one another.”
  • Technology is important to provide a platform for efficiency.
  • Design all spaces as if customers will see them, especially in considering natural light and “pleasing colors.”

What’s interesting is a project she uses as an illustration – Deloitte’s new-ish (2011) campus in tiny Westlake, Texas, a project she calls “controversial.” The project was a massive one – a training center sprawling over 350 rooms and costing over $300 million, nestled in the foothills of Tarrant County. While close to DFW Airport, Westlake itself has fewer than 1000 residents, while the hotel center along employs over 500 people and sees an anticipated 45,000 people per year. The controversy wasn’t about the design of the space – it was about the necessity of the space.

Deloitte social spaceA Forbes article about the Deloitte campus said that the campus design was so effective because “learning represents the strategy of the company.” The article – proposition about looking at office design as “I” and “we” spaces – then points to a massive wall of screens with associate-driven media and a person-tracker as a way of creating a giant “we” space, a communal, collaborative zeitgeist.

But is that really it?

Deloitte created a training facility, and the idea behind a lot of the designs appears to be ways to create a team spirit while associates are at training that will energize them at their daily work. In other words, it is very similar to the bulletin board in a schoolroom, surrounded by students’ artwork. It does create a sense of unity and team work, an “us” mentality, but with a very specific scope. It is a transient community space, one that only lasts for the time people are at the training.

Would that kind of “we” space work in real life? Because the Deloitte facility is decidedly not “real life,” even for Deloitte employees.

The Deloitte facility is highly effective because it reinforces a core strategy (as the Forbes article notes) – learning is their core corporate value. Dedicating resources and providing a lush environment for training emphasizes how important it is to their employees. It is truly form following function. The design flourishes – the wall of screens, the associate finder, the tech-forward training centers – provide a collaborative space that is tuned toward a very narrow focus. It is full-immersion in corporate culture.

I have a sense that level of “we” space design wouldn’t work, not in most places. It would be too overwhelming, too much “we” and not enough autonomy. I stumbled on another article at Recruiter.com[5] about ways to attract and retain employees with office design. It’s based on the results of several different university and industry surveys – and almost nothing in there relates to an open design to improve collaboration. Three of the six points deal with letting people select and design their private workspaces. The top priority is flex-scheduling and the ability to telecommute. Another one is simply having comfortable chairs.

In other words, when they’re asked what they actually want, employees don’t list “collaboration” and “innovative design.” They want privacy and comfortable chairs. It’s simple.

One idea that jumped out at me in the “I” and “we” spaces article – and I hope it’s something that is explored and expanded elsewhere – is the idea of designing collaborative spaces around projects rather than people. Instead of having Conference Room A or Open Design Area B, create a specific space for a specific project, so that everyone working on that project has a consistent place they can meet, collaborate as needed, create group materials, and pool resources. That seems like a way to truly inspire innovation and collaboration, of creating a “we” space, while preserving the privacy and sense of personal ownership and comfort that is actually critical to employee happiness.

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  •  License: Image author owned
  •  License: Image author owned

About the Author: For over 35 years, David Johnson has worked in small and large corporate environments, focusing on marketing, strategy, employee productivity, interior design, and management techniques. Now, he works with office design, productivity, and ergonomics. He writes regularly on business sites related to office culture, communication, and design. You can follow him on Twitter (@bizoutfitter) Google+ or check out his conferenceroomoutfitters offfice furniture website.

 

 

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Startups: Does My Business Have To Register For Workers Compensation?

startups                                                                                                                                        Starting a new business can be a daunting process. In many cases, new business owners must not only deal with the task of getting the organization off the ground, but also establishing proper insurance requirements. But what exactly are the insurance needs for a start-up company—for example, is workman’s compensation a must? Those who are establishing a new organization should familiarize themselves with the basics of workman’s compensation, when it is needed, and how it can be beneficial.

What is Workman’s Compensation? 

As suggested by the name, workman’s compensation is a type of insurance policy that pays the wages for men and women who are injured while performing the tasks required by their job. In addition to covering weekly wages, workman’s compensation may also cover medical bills and other similar expenses that occur as a result of an injury on the job. Finally, general damages for pain, suffering, and employer negligence may also be included in a workman’s compensation package. Depending on the severity of the injury and the specific insurance plan, these payouts may vary quite a bit.

Who Needs Workman’s Compensation?

Obviously, workman’s compensation packages are a must for large corporations who employ hundreds, or even thousands, of workers. But what about a relatively small start-up company that is just getting its feet off the ground? According to Entrepreneur, nearly any company that has at least one employee is required by US regulation to provide workman’s compensation insurance. Of course, there are always exceptions—for example, businesses in Texas and New Jersey are not, at least in theory, required to have a compensation policy. In addition, start-ups that are owned by sole proprietors or are filed as partnerships may not need to possess a workman’s compensation insurance plan.

Benefits of Workman’s Compensation

Though there is a small group of start-ups that are not required by law to have workman’s compensation, there is no question that they can still benefit from the insurance plan. In fact, there are a number of perks associated with having a workman’s compensation policy—including the protection that it offers in the event that an accident does occur. Similarly, employers that possess workman’s compensation plans are often more attractive to potential workers, as they may be used as part of the benefit package. It may also be useful as a basic insurance plan for sole proprietors who cannot afford medical insurance for themselves.

Establishing Workman’s Compensation

In most cases, start-up business owners who are interested in purchasing a workman’s compensation insurance plan can do so by consulting with any professional insurance agent. Some states, however, do require employers to work with specified state-run grants when applying for workman’s compensation insurance. Those who are unfamiliar with these types of insurance plans should be sure to speak with an expert in the field of workers compensation. In most cases, these professionals can provide assistance when it comes to choosing the best plan for the company.

Featured images:
  •  License: Image author owned

About the Author:
Andrew Miller is a passionate member of the End Ecocide movement, an avid legal blogger and Environmental Law Student. He has worked in marketing for over a decade and finds his passion in bringing concepts to life. As a Socialpreneur, he is an agent for positive social change through both his writing and business endeavors.

 

 

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Communication Hurdles To Overcome After A Corporate Disaster

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Imagine your company has experienced its biggest corporate crisis in years. An immediate blow to reputation, professionalism and financing, the long-term effects of disaster can be devastating, and may even spell the end for business.

In crisis situations, communications that recognise and address problems can minimise damage and resolve corporate nightmares, so should be a recovery priority. But remaining calm and communicative is easier said than done: there are many hurdles and actions which businesses must clear to redress the slip of disaster, rather than falling flat on their faces.

Hurdle 1: Remaining accessible and transparentClear communication should be an immediate damage limitations and recuperations response. So stating precisely what went wrong, accepting blame if relevant, heeding comments, and stating remedial procedures (enquiring, hiring and firing) is necessary for companies to remain accessible and approachable. It’s this honesty that reassures consumers, partners and staff, reaffirming their trust and loyalty, and re-establishing reputations. No matter the cause of the problem, or who/what’s to blame, communications must be transparent and above all clear. You don’t want to make matters worse by being misunderstood and causing further offence.

Hurdle 2: Acknowledging the problem and stating the remedy. Investigating exactly what went wrong/completing enquiries takes time, but communicative accessibility (as above) eases backlash. Clearly acknowledging the problem, admitting mistakes, accepting blame and apologising if necessary, in addition to stating reparations actions, proves professionalism. It is especially crucial in the case of legal or criminal crises. Treat all parties involved with respect and empathy, and when relevant, offer compensation to those eligible.

Hurdle 3: Knowing when to communicate, and what to say. The way a disaster’s handled depends on the nature of the problem. In most cases it’s wise to release a corporate statement/response addressing issues so the company account is on record. But knowing when not to communicate, containing information and judging when to respond to errors is just as important as honesty and accessibility. Before communicating at all, find out how much is known and what information should actually be broadcast. If nothing other than the basics are needed to quash rumour, simply repeat your statement of apology, explanation and resolve across multiple channels – it’s crucial it reaches your various audiences, and reaches them consistently.

Hurdle 4: Keeping PR (the media and the news) on-side. Especially linked to accessibility and transparency, media relations have the power to improve or worsen high profile corporate disasters. If well handled, positive media cooperation can help communicate official statements, circumvent hostility, and depending on the nature of the crisis may reaffirm reputations and professionalism in the public eye. To proactively communicate with the media, respond quickly, always give a  statement to prevent speculation (refusal to speak can be additionally damaging), don’t release more information than you need, and don’t be afraid to give simple ‘yes/no’ answers. If possible, find third party allies to support your statements and your media messages.

Lastly, dealing with the communications breakdown of a corporate crisis – from handling publicity to responding to multi-channel backlash (social media may be your biggest hurdle yet) – will not be an easy task. But through maintaining honest connectivity from start to end (and notifying closure and thanks to all involved after resolution), recovery and prevention of future error can be achieved and communicated with minimal damage.

Alastair is a writer and business blogger. He wrote this article for Communicaid a culture and business communication skills consultancy, which offers business english courses as part of its services.

 

 

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Some Of The World’s Most Secure Locations

FortKnoxBusinesses looking to hire security contractors and other guard services may want to check out some of these locations.  These spots have some of the tightest security in the world.  They need to, because they often contain property and technology that is incredibly valuable to both governments and corporations.  A business can learn a lot from the way that these locations control the flow of human traffic in and out of their buildings.  You’ll want to hire a security team that can provide you with services that mirror some of the techniques used by these agencies.

Area 51 airbase:

The infamous location of the supposed alien spaceships that crash landed nearby.  This place does live up to the hype in terms of security.  Only authorized personnel carrying specific identifying documents are allowed even near the gated perimeter of this airbase.  The reason being is that the U.S. military regularly uses this facility for top secret technological testing, including training new air force pilots on some top secret pieces of aviation.  Most speculate that this is one of the premier centers for stealth bomber practice runs, which would explain why it is so hard for even military personnel to get through the front gate.

Fort Knox Gold Reserve:

This is a familiar location to anyone who is a fan of the famous James Bond movie series.  This massive repository of the nation’s gold reserve is located only a few miles south of Louisville, Kentucky.  But most people don’t realize that the banking center at this location actually operates underground inside the facilities basement.  To even get through the front door of this bank, you’re going to have to get through a 250-ton vault door that can be closed and tightly sealed.  Of course there are plenty of armed guards patrolling the surface level at all times, and you can’t even get close to that without an explicit permit documenting your reasons for coming.

North American Aerospace Defense Command (NORAD):

This facility is located near the town of Cheyenne, Wyoming.  It is actually located inside of a mountain, and continues down to several underground levels.  Built during the Cold War era, its explicit purpose was to provide a command center for the United States in the event of a nuclear war.  It was designed to withstand a direct impact from an ICBM carrying a nuclear warhead, and is still estimated today to be virtually indestructible.  Even though the Cold War is over, the center still functions for various national security purposes.  It also helps serve as a command and data center for many of the country’s space missions.  It is considered one of the most restrictive bases in the United States.

No matter what kind of organization or business you operate, you can always learn a thing or two from the pros.  Even though you may not have the resources for an underground bunker embedded within a mountain, you can still learn some of its lessons.  Think about hiring security that can set up an access perimeter.  This can control the number of people who can reach some of the sensitive data locations you have set up around your business.

Daniel utilizes guest posting as a useful resource for businesses like Unified Protective Services. He performs this within Los Angeles where he functions as a manager for an online promotion business. He looks forward to guest readers considering his Google account.

 

 

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