The Jeffrey And Tracey Info Emporium

This short paper will expand on two key reasons to move to a computerized timesheet system at your company. There are more than two reasons of course, but these will be expanded on at a later date. The two key reasons to be discussed here are Timesheet Efficiency, and Timesheet Automation.

Timesheet Efficiency is the concept of a single data entry exercise done accurately and quickly. Timesheet Automation is the simple concept of managing timesheet information electronically rather than on paper. When taken individually both these concepts make a compelling argument to move to electronic timesheets, taken together you should be asking yourself why you aren’t kicking off the process today.

Timesheet Efficiency

When I started out my working career in consulting we had paper timesheets. These were (supposedly) to be filled in daily, submitted weekly, and data from them entered into the accounting system monthly. However, people being people, the accountant only checked them once a month, so they were generally only submitted once a month, and thus usually only filled in once a month when prompted by project managers. This resulted in inaccurate and late timesheet information.

This affected billing, time and materials projects would take up to four weeks to be invoiced, and thus it could be up to 60 days before payment was received. Why then are some companies constantly challenged with getting employees to accurately complete their timesheets while other firms have no problems? The difference is usually leadership and data ease of data entry. Most consulting companies employ skilled intelligent people, and a manager who fills in his timesheet information promptly and accurately can legitimately expect his staff to do so. However if the system is cumbersome and difficult to use then there will be constant conflict.

Easy to use computerized timesheet systems mean more employees are successfully filling out timesheets as they work rather than writing the time into a diary or calendar and then transferring the information at the end of the week (or month). It has been well proven that debtors are easier to manager and projects more easily monitored the closer that timesheet information is processed and invoiced to the time the work is carried out. It is just much more simple to collect all your billable hours (more chargeable time!) if employees record their work as they do it.

Of course data entry is just one side of things. Processing the information is just as important. Internal discipline and company policies must be set to ensure that all information is collected by the time you have decided is the deadline. Whether this is Friday 5:00pm, or Monday 9:00am, deadlines must be followed and enforced. Timesheet software with built in workgroup functionality like messaging, timesheet approval, live monitoring, and so on can greatly enhance this process.

There is no point pretending that timesheet information and collection is glamorous. It isn’t. It should just be part of the normal mundane fabric of business. It should be routine and boring. But most importantly it should be quick, easy, and provide no disincentive to doing it. Good computerized systems should offer all of this.

Timesheet Automation

The most basic benefit that a computerized timesheet system gives is one of automation, timesheet information is entered into a computer rather than onto paper. This eliminated the need for people to transcribe their timesheet information from a diary onto a paper form, and then for administration staff to re-enter this information into a job costing system. The computerization allows you to completely eliminate the middle steps. Staff enter information directly into the job costing system.

The next logical step of computerization is to leverage off of the computer to provide a host of other benefits. This includes interlocks like preventing people from booking time to projects that dont exist, or projects that are closed, or projects they should not be booking time to. It allows project managers to access live data showing actual time spent on their projects, this data can be manipulated and visualized in different ways using other computer software. It can even interface directly with dedicated project management software.

Other benefits can include automatic timing of work, popup information showing specific project information helping timesheet accuracy, daily timesheets, reminders telling people to fill in their timesheets, integration with messaging, email, and the web, and live integration with accounting packages.

Conclusions

By themselves each of these points makes a good argument for moving to a computerized timesheet system. Taken together they are truly compelling. Increased accuracy and reduction of the billing cycle means that a computerized system can usually measure its payoff in just a few months. For any company that does bill its time, it is should not be an option any longer, it is a simple next step. Interested in looking at some low cost alternatives? Why not take a look at Timesheets Lite or Timesheets MTS. These are low cost systems ideally suited to the small company.

About The Author

Mark Nemtsas, Moving Target Software

Get low cost, efficient, timesheet software! This article is © Moving Target Software, 2004. It can however be reproduced in full on any web page as long as it is edited in no way whatsover.

Police Auctions Information:

No, a police auction is not where you go to buy a policeman. Most people do not realize that police agencies, including local police departments, county sheriff departments, as well as state and federal law enforcement agencies end up with a lot of confiscated, lost, or abandoned property. This property ends up in the agency’s possession as the result of arrests, forfeitures, and just plain carelessness on the part of the property owner who sets a camera down in some public place and walks away.

Once the agency has accumulated enough property they will hold a police impound auction. The purpose of the police impound auction is two-fold. First, they want to empty out their property rooms which, in the case of some state and federal agencies, may be the size of a warehouse. Second, they want to turn this unclaimed or forfeited property into cash. This cash usually goes back into the agency’s budget, but it is sometimes earmarked for the particular government’s “general fund”. No matter where the money ends up, police auctions are usually a big money raiser for larger departments.

Forfeited Property & Police Impound Auction:

Items that fall under this category are usually the creme de la creme of the police auctions industry. This is where you can find anything from motorcycles and cars, to boats, airplanes, and homes!

Forfeited property is generally the result of drug arrests where it was determined that the seized property was either used in the commission of drug-related crimes, or was purchased with money that was received as the result of a drug-related crime.

When you bid on this type of property at a police impound auction you are agreeing to accept the item “as is”. You need to be aware that the term “as is” does not simple refer to blemishes or minor damage. If, for example, you buy property at auction, and that property has tax liens placed against it, you will be expected to clear those liens before you can take rightful ownership. The same holds true for mortgages or car loans.

You can find some real bargains at police auctions for this type of high-value merchandise but you need to perform your due diligence so you don’t end up in red ink after the transaction.

Unclaimed & Abandoned Property:

You would be shocked at what kind of property that people either lose or simply walk away from. You would be equally shocked at how many honest people find that property and turn it into the police department. Ultimately, if no one claims the property, and the owner cannot be otherwise be located — it ends up at a police auction where it is sold to the highest bidder.

Auction Process:

Most jurisdictions have specific laws, or ordinances, that deal with how the auction will be conducted. In almost every instance, the agency that is conducting the police impound auction is required to publish a full description of the items that will be auctioned as well as the date, time, and location of the auction. they will also publish payment terms which may be cash, money order, certified check, or any other payment method that they choose to accept. They will usually also publish additional terms such as how long you have to remove the property form the auction site once you win the bid, plus any legal disclaimers that the lawyers think need to be mentioned. This publication is normally placed in at least one major newspaper that serves the area with in the law enforcement agency’s jurisdiction.

The purpose of this publication is first: to notify the owner of the property that they have one last chance to redeem it before it is sold at auction, and second: to generate publicity for the police auction so that it will be well attended.

Depending upon the size of the agency, and the agency’s experience conducting auctions, a police auction will either be run by the police department itself, another government agency that is responsible for fiscal matters, or an outside auction company.

The police auction might be held on the steps of the County Courthouse, a room inside of some government office, or a public arena. The location of the police auction depends a lot upon the size of the agency and how much property is being auctioned off.

Some police auctions require that you register as a bidder in advance, while others let everyone and anyone show up at the day of the auction. Bidders are usually allotted time to inspect the goods before the actual police auction begins. You should take advantage of this time because it is a very bad idea to bid on anything that you haven’t had time to inspect.

Once the auction starts, you simply bid on the items that you want. Have a budget in mind and don’t bid more than you’re willing to pay. It’s easy to get caught up in the bidding frenzy and end up paying far more than you intended to.

Police auctions can be fun and profitable. Especially police auto auctions. Watch your local papers for announcements, or contact the law enforcement agencies in your area and find out when they are running the next police auctions.

Government Auctions:

Insiders know where to find government auctions to buy homes, cars, boats, airplanes, motorcycles - even furniture, designer clothes and jewelry. The property available for public bidding at government auctions is often surplus goods the government no longer needs or confiscated as evidence in criminal cases. Since government auctions are not well publicized, insiders can buy goods for pennies on the dollar. Whether you want to find bargains for yourself, or to resell your purchases for a profit, government auctions are an effective way to increase your net worth and bottom line.

Own luxury goods at Wal-Mart Prices:

When the government auctions off property, all closing bids are final. Many people attending government auctions for the first time can’t believe the prices! Everything you buy at the auction is yours to keep - no strings attached. With prices this low, it feels like your stealing it - only it is yours to legally keep, courtesy of the government. If you have champagne taste but a beer budget, attend a government auction. Rolex brands have sold for Timex prices. Why buy a Ford when you can buy a Mercedes for the same price? Traveling? Put away your checkbook at the discount luggage store. Go to a government auction and spend the same money for Louis Vuitton or COACH! You never know what a government auction will have, but it can always be yours for a price well below fair market value.

Starting a business with government auctions:

No organization in America buys more office goods than the government. Auctions are how they dispose of surplus goods no longer needed. Computers, desks, office chairs, AV equipment, copiers and trash cans - the government auctions them all off. Conserve your capital for operating cash and profits. Smart business people find the office equipment they need at government auctions. Imagine the thousands of dollars you could’ve spent on furniture and computers while you write out your check for pennies on the dollar at the government auction. Since our government buys the best, you know the auction will be loaded with bargains to keep your business humming along. When you are ready to start or expand your business the smart way, begin your office equipment search here at the auctions.

Making government auctions your business:

After attending your first government auction and experiencing great values firsthand, you may decide to start your own resale business. Many people buy cars for hundreds of dollars and resell them for thousands of dollars. Some people spend a day at a government auction procuring goods and bring them home to sell on their own. E-bay is a popular way for people buying goods at the government auction to resell them right from home. Without a retail store, you can save thousands in business expenses during the year. Your on-line business you can create with government auctions is limited only by the size of your garage! Become a power seller!

You “Don’t Need Experience” to bid at a government auction

If you can hold up a bidding number, you can win at a government auction. Of course, with any auction, you will want to inspect the items you are interested in buying before the bidding begins. If you are interested in a computer, but could not turn it on to see if it worked, how much would a non-working computer be worth to you? Since all sales are final, there are no returns. Avoid disappointment, and don’t bid on anything you can’t personally inspect. Government auctions provide amazing values, but don’t lose your common sense in all the excitement. Know how much the property is worth before the auction begins, and your experience at the government auction will be a positive one.

Http://DEAauctions.COM is an unchallenged leader in the Auction information Industry and will transform the way you search & locate the Billions of dollars in property that is auctioned off throughout the country every year.

Using a very simple plan, anyone who really wants to can make an extra million dollars by consistently investing in real estate. In fact, because it’s so simple most people won’t do it. All your real estate investment plan needs to do is follow these simple steps:

>> STEP 1. Go out and borrow one million dollars.

>> STEP 2. Use the million dollars and buy one million dollars worth of well-selected investment real estate.

>> STEP 3. Get other people to agree to pay off the million dollar loan for you.

This sounds to easy, Right? Well it really is if you think about it. Let me give you some more details.

If you set out to buy just two little single-family houses per year with a value between $100,000 to $200,000 or whatever price a starter home is in your area currently sells for. If you did this for just five years. At the end of those five years you would own 10 little single-family homes, with an accumulated value of approximately one million or more dollars worth of real estate. You would be able to borrow most of the money needed (in some cases all the money needed) from banks, mortgage companies, sellers, other investors, etc..

Now the only thing left is to find people willing to pay off your loans on those houses. Those people are all over the place and they are called RENTERS!

At the end of ten to twenty years, what will you have?

You will have more than a million dollars worth of real estate that somebody else bought you! Why more than a million? It’s because of inflation and other factors in our economy that will increase the value and not only will you have a million dollars worth of real estate you will have an income of $100,000 + from renting them out because they are all paid for.. and your income will increase as your rents increase.

If you’re saying to yourself that a million dollars isn’t enough and $100,000 + of annual income isn’t enough, the solution is simple…. BUY MORE!!

HOW TO GET STARTED…..

>>> Learn how to get the money.

The first step to get started is that you should learn the rules of the lenders and their programs that they have available for rental properties. To do this you should spend a few hours or more on the phone calling different lenders and asking them what loan programs that they have available for investment real estate. Ask them what are the requirements to qualify. If you hear something you don’t like or doesn’t fit what you are trying to do, Just hang up and call another lender.

>>> Learn to find the houses

Now that we have an idea about financing we have to start looking for the right properties and analyze the numbers. You want to start by trying to find smaller starter home that a young family or couple would like to live in. Here is a short list of some ideas where to look and how to find properties.

1. Newspaper ads

2. Real Estate MLS system

3. Driving through neighborhoods

4. Advertise yourself

5. Tell people that you are looking to buy houses.. get the word out

6. Get business cards that tell people that you are interest in buying real estate

7. Ask real estate agents to look for you (if you are an agent, ask other real estate agent to let you know if they know of any properties)

This is a short list, but you only need to find a couple of properties a year to make this plan work and this short list will do the job. If you want to find more than a few properties a year you should expand your marketing efforts.

Once you find a property that appears to make sense you’ll need to calculate the numbers. This can be done by hand using an investment property worksheet or by using a computer software program. You can get a free copy of an investment property worksheet at the following website: http://www.landlordtools.com/Freeform.htm

If you prefer to calculate the numbers quickly using a computer software program, you can get a excel spreadsheet program at: http://www.landlordtools.com/realestateanalyzer.htm

After you run the numbers and everything still makes sense, it’s time to pull the trigger and make an offer to the seller.

Once the offer is accepted you now want to start the third step… Find a renter who will rent out the property.

>>> Learn to get good renters.

Get permission from the seller to allow you to show the property to prospective renters before the day of closing. You should start by advertising in you local paper and contact real estate offices to let them know you have a property available for rent.

Repeat the process to buy more and more houses until you reach your goal.

Dave Schneider is a professional real estate investor. As a landlord over the last 25 years he has created a real estate investment and management system that provides a step-by-step process to create more cash flow with less work. For details and free investment real estate and management lessons visit this site now: http://www.landlordtools.com.

We know that each and every website page is assigned a Google Page rank, based upon a mathematical algorithm. Pages rank on a scale of 0 (zero) the lowest, and 10 (ten) the highest. Linking between websites both internally and externally pass a value or Page Rank.

If site A links to site B, a percentage of Site A’s Page Rank is passed or credited to site B. Nothing is lost from site A in terms of Page Rank unless the link is to a banned area, or bad neighborhood.

The amount of Page Rank Site A passes is determined by the amount of Outbound links of site A’s page. The more Outbound links, the smaller percentage of Page Rank is passed. Pages with large amounts of outgoing links pass very little Page Rank and in some cases may cause more harm than good. Try to avoid linking to pages that have large amount of outgoing links, Like Link Farms etc.

A real life true example. Site A had a Page Rank of 4, there were only 2 outbound links on Site A. One of those outbound Links was to brand new Site B. Brand new Site B had 3 out going links, and NO other Incoming Links, besides the one from Site A. Google awarded Site B a new Page Rank of 4.

From this real life example, we see that the fewer outbound links per page, the more Page Rank is passed.

If Site A in the example above had a large number of outbound links on the page, then a smaller percentage of Page Rank would have been passed and New Site B would have received a lower rank then the equal rank that was passed.

Higher Page rank sites linking to your site to pass PR is consider valuable, but normally the higher Page Rank sites have a tremendous amount of existing outbound links so the true Page Rank Passes is normally minimal. It is also hard at times to get a quality higher Page Rank page to link to your site. Lower Page Rank sites are very important in Passing Page Ranks and link exchanges. Their Page Rank usually grows with age and has more inbound links than outbound links, creating a higher Page Rank, which in turn passes to your site via it’s outbound link.

In general terms, an individual page’s Page Rank is determined by the amount of links going out of that page (outbound) and the amount of links coming to that page (Inbound). A general rule of thumb: you want to have more inbound links than outbound links.

Definite things to avoid.

When doing reciprocal linking, make sure you check the amount of outbound links that not only the page has but the overall site as well. Search engines such as Google doesn’t like Link Farms ( 1000’s of links on the site), gambling sites and pornography. Unless that is your business, don’t link to any of those types of sites.

You can lose Page Rank and Search Engine Results by Linking to sites that are considered Banned, or Bad Neighborhoods. Be aware and check before linking. Even if you aren’t “punished”, you will gain no benefit and the PR leached away from your site is not worth it.

Be aware to whom your site is linking to via outbound links. Periodically check your outbound links making sure that they are:

1) Still an active website

2) Still a resource for the reason you linked to them in the first place

3) They have not changed theme formats and are still a quality site.

Page Rank grows over time. Google updates visible Page Rank infrequently, like every 4-8 months or so. The best SEO strategy is to link to and link exchange with like themed sites or quality sites.

Article by Ed Charkow - Ed is the webmaster at http://www.seoengine.info and http://www.nichesitespecial.com . Reprint rights are granted with live hyperlinks and resource box intact.

Mesothelioma is a very serious disease. One of the reasons it is so serious is that many people do not know what puts them at risk for mesothelioma. The basic risk of getting mesothelioma has to do with asbestos exposure. Asbestos is very common in many things and therefore it is not very difficult to be exposed to it.

The first cause is exposure to asbestos through one’s occupation. This is very common in several different occupations. People who work in shipbuilding trades, asbestos mining and milling, the manufacturing of asbestos products (such as textiles), insulation work in construction and building, and brake repair are at risk. There are also many other occupations that involve asbestos exposure. Men are often associated with higher mesothelioma risk because many of the asbestos-related jobs are often held by men.

Smoking increases the risk for mesothelioma tenfold. Mesothelioma is a cancer of the lungs, and the harmful chemicals in cigarette smoke damage the lungs beyond repair. When cigarette smoke is coupled with asbestos, the risks for developing mesothelioma and other lung cancers are increased greatly. Persons who smoke should make every effort to stop smoking in order to protect their lungs.

Environmental exposure to asbestos can also increase the risk of developing mesothelioma. Persons who live in neighborhoods near asbestos milling or manufacturing plants should be aware of the potential risk factors. Vermiculite, which is a non-asbestos mineral silicate, was mined at Libby Montana. It was later found to be heavily contaminated with asbestos. Many children played in the vermiculite slag heaps that were located throughout the town. These children later developed mesothelioma. There are 28 sites throughout the USA that received Libby mine vermiculite that have been selected for a community-wide evaluation of asbestos disease.

Another risk of developing mesothelioma is using products that contain asbestos. Asbestos is in a very large number of consumer products, including many that are used today. Products such as electric blankets, heat guns, curling irons, molding clays, deep fryers, slow cookers, frying pans, dry wall patch, fake fireplace logs, dry wall patch, and pipe wrap insulation could put one at risk. There are also many other products that contain, or have had exposure to, asbestos. There are many asbestos-containing products that have been banned by the Consumer Products Safety Commission. Unfortunately, there are still products that contain asbestos. It is a good idea to avoid using these products if possible, in order to reduce the risk of mesothelioma.

Robert Linebaugh writes about health issues, but focuses on mesothelioma. Learn more at www.justmeso.com .

None of us like to think of ourselves as victims. The term “victim” brings to mind a pathetic image of a person who is powerless. Therefore, It comes as a shock to most of us to realize how often we allow ourselves to be emotional victims. Having counseled individuals, couples, families and business partners for 35 years, I know that many of us are victims much of the time without realizing it.

We are being victims anytime we give another person the power to define our worth. We are being victims anytime we make approval, sex, things, a substance, or an activity responsible for our feelings of happiness and lovability. We are being victims anytime we blame another for our feelings of fear, anger, hurt, aloneness, jealousy, disappointment, and so on. Whenever we choose to define ourselves externally, we are handing away power to others and we then feel controlled by their choices.

When we choose to define ourselves internally through our connection with our spiritual Guidance, we move into personal power and personal responsibility. The moment we sincerely want to learn about our own intrinsic worth and what behavior is in our highest good, and we ask Spirit, we will receive answers. Most people do not realize how easy it is to receive answers from a spiritual Source. The answers will pop into your mind in words or pictures, or you will experience the answers through your feelings, when your sincere desire is to learn.

We always have two choices: we can try to find our happiness, peace, safety, security, lovability and worth through people, things, activities, and substances; or we can feel joyful, peaceful, safe, secure, lovable and worthy through connection with a spiritual Source of love and compassion - taking loving care of ourselves and loving others.

Whenever we choose to find our happiness and safety through others, then we have to try to control them to give us what we want. Then, when they don’t come through for us in the way we hoped they would, we feel victimized by their choices.

Here is an example: Don and Joyce are in a continual power struggle over how to handle their children. Joyce tends to be authoritarian while Don is fairly permissive. When Joyce gets frustrated with Don’s parenting, she generally yells at him about his permissiveness. Don often listens to Joyce rant and rave at him. Sometimes she goes on for over an hour and he just listens. Then, when he tries to talk with her, she refuses to listen. Don then feels victimized, complaining about how Joyce yells at him and refuses to listen to him.

When I asked Don in a counseling session with him why he sits and listens to Joyce, he stated that he hoped if he listened to her she would listen to him. I asked if she ever does listen during these conflicts, and he answered “No.”

“Why do you need her to listen to you?”

“I want to explain to her why I did what I did with the children.”

“Why do you need to explain it to her?”

“So she won’t be mad at me.”

Don allows himself to be yelled at by Joyce as his way of trying to control Joyce, hoping to get her to approve of him. Then he tried to explain to further control how she feels about him. When she won’t listen, he feels victimized by her yelling, blaming her for being such an angry, controlling person.

If Don were willing to take responsibility for approving of himself through his connection with his Higher Power, he would not listen to Joyce when she was yelling at him. Instead, he would set a limit against being yelled at, stating that he would listen to her only when she spoke to him with respect and only when she was open to learning with him. But as long as she has to approve of him for him to feel secure or worthy, he will not set this limit. Until Don opens to his spiritual Guidance for his security and worth, instead of handing this job to Joyce, he will be a victim of her unloving behavior.

Taking responsibility for our own feelings of worth and lovability through developing our spiritual connection, instead of giving that job to others, moves us out of being victims and into personal power.

Margaret Paul, Ph.D. is the best-selling author and co-author of eight books, including “Do I Have To Give Up Me To Be Loved By You?” She is the co-creator of the powerful Inner Bonding healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: www.innerbonding.com or mailto:margaret@innerbonding.com. Phone sessions available.

Entering competitions may give you a chance to experience challenges or experiences you wouldn’t normally enjoy without this fantastic hobby.

I had a fantastic day out and all because I won ‘an audition’ to stand in for the weatherman whilst he was on vacation, on a UK television breakfast programme.

It sounded great fun, so I thought, why not give it a go.

Although, when the alarm clock went off in the early hours of a freezing cold and dark wintry March morning, and faced with the prospect of a four hour journey to Liverpool’s Albert Docks, I wasn’t quite sure ‘weather’ or not this was such a ‘bright’ idea.

The competition was organised in conjunction with a television programme and a national newspaper. The task was to complete the limerick:

‘”There once was a met man called Fred, who told bosses I’m feeling half dead…”‘

A number of entrants were to be selected for audition on the Albert Dock weather map, from which ten would be chosen to stay overnight in Liverpool, returning next morning for a second audition. From these ten, five winners would be selected, who would each read the weather forecast for one morning, whilst Fred Talbot the weatherman, was on holiday.

Fifty of us turned up for audition. What a marvellous day it was. My first shivering reaction, peering down at the weather map, is unprintable. Any misapprehensions about leaping from Scotland to Northern Ireland on the floating weather map soon disappeared as my friend Jane and I went into the studio with the other 49 hopefuls.

Fred and members of the television staff greeted us warmly and, over cups of coffee, discussed the morning’s programme. We were told to dress in bright colours, and there I was sporting my winning Ramsey Street sweatshirt, with its brightly coloured houses. I always knew it would come in handy. However, compared with some of the outfits, this was anything but bright. For those of you watching the programme, you couldn’t fail to see the outstanding red and yellow duck umbrella, the tiger, nor the brave man in his kilt playing the bagpipes. We had a whale of a time, and the atmosphere was terrific.

Fifty of us standing on the weather map, ready to go out live to three million people. We didn’t need Fred to read the weather. We could feel the flurries of sleet and our numb fingers were blue with cold. But the smiles were warm, the coffee hot and the day was fun.

For the announcement of the winner, the producer came and thanked everyone for attending and couldn’t emphasize enough how impressed he was with the marvellous atmosphere, the shouts of encouragement and general camaraderie of competitors. He revealed 3,200 people had entered the competition from which fifty of us had been selected. Even though I wasn’t a winner, it was an experience I wouldn’t have missed.

I thought, quite wrongly, that because it was a competition, most of the people there would be “compers” (people who enter competitions). Chatting to a few, I discovered people had entered for a variety of reasons, ranging from “dares” to, “always wanted to appear on TV”; “thought it would be fun”, and “my friend entered my name”.

Whatever your reasons for entering competitions, one thing is for sure. It’s an exciting and fun pastime. So never mind about sitting at home watching the weather on TV, pick up your pen and get comping!

Lynne Suzanne is a contests consultant, freelance writer and author of Win With Lynne Intaslogans, Pun-ch Lines! and Win Your Fortune in Prizes.
FREE Win With Lynne - How to Win guide.
http://www.win-with-lynne.co.uk

October 18, 2005

“Poverty doesn’t cause substandard education”article by Bruce
Raynor on 10/18/05 is absolutely right. Back in the 50’s and
60’s all people has the same opportunities. Guilford County was
a small working mill town. Very few people were born with a
’silver spoon’, as the old saying goes! It’s always been that
everyone who wants to work has a job! Today it’s welfare and
social programs, free bus rides, lunches, schools, day cares,
rent, insurance, and medical care! It doesn’t take a rocket
scientist to figure out this has caused poverty and bankrupted
America. My friends, of all races, talk about the issues I write
about. We believe in birth control! We feel a person can make a
mistake and have one illegitimate, it’s the other ones we’re
highly opposed to! We’re against the government and it’s
agencies bankrupting Social Security (which was supposed to be
for the elderly and their retirement who paid this money into
this program only to see it bankrupted by people that think
Taxpayers owe them free rides) to pay for welfare recipients
that don’t work and never intend to! We’re against Tax cuts and
incentives for the wealthy, for private companies, the drug and
insurance companies! We’re against the non-profit organizations
that promote their ’causes’, ‘pet projects’ and ‘properties’
using Taxpayers monies!

Recent article “Racial Divide” ! I quote ” 27% of High Point’s
population is black! 54% of DSS investigated cases involve
blacks and 52% of residents taken into DSS custody are black.
There is much anger and dismay out there about this!” Everyone
would be angry and violent if they had no Dads or role models in
their lives! Who’s fault is this? Daily we’re reminded that
social programs and welfare aren’t working and these programs
are creating hatred, anger, violence, and terrorism in America.
Who’s suppose to be stopping this type behavior? Why do you keep
blaming other people for what you’ve created? Taxpayers are fed
up with paying for all these social, welfare, and school
programs that’s never worked and never will.

I’m quoting an article by Leonard Pitts - “Little has changed 10
years after Million Man March”. “Ten years later more than 65%
of our children are born out of wedlock. I know what’s needed to
fix our communities requires no white person’s consent!” Good
article!

“The only way government can give to you is to take away other
people’s monies and rights!” I call this ‘Discrimination against
Taxpayers!’

Since term life insurance is the least expensive kind of life insurance, it’s also the most popularly purchased. But just because it’s the least expensive doesn’t mean you should blindly purchase it without a little research. You should choose the life insurance company that has the best term life insurance rating. Luckily, there are many companies out there that have already done the research for you and have rated the various term life insurance companies.

Below are six factors you should always look for when researching term life
insurance rating:

1. The prices of the term life insurance policies. Look for life
insurance companies that have good ratings based on their low costs. With the
many different life insurance companies out there, competition can be great,
which results in lower prices for you.

2. The structure and provisions of the term life insurance policies. Does
everything make sense? Are there any loopholes? Have you read all the fine
print?

3. The financial strength of the term life insurance company. You don’t
want to invest money in a term life insurance policy that may cease to exist
because your life insurance company goes bankrupt.

4. Your current health condition. Many term life insurance premiums are
set based on your current health status. Look for companies with reputations for
not jacking up the prices due to your health.

5. Underwriting of the term life insurance policies. Sure, a term life
insurance policy may boast a cheap rate, but that won’t benefit you if only one
person out of every hundred applicants is eligible for that low rate?

6. Your wait time. Some people decide to purchase term life insurance
because they need it fast. Look for a company with a high rating of putting a
term life insurance policy into effect quickly.

Selecting the best term life insurance policy with the best term life insurance
rating can be a quicker, easier task.

Honestly, this IS advice for those in business, and not just
colorful local lingo!

People have a tendency to do two things when closing that first
big sale, or watching the hit counter fly due to the newest
supermonster-nothingbeatsit-trafficgeneratorX: A)sit back, start
filing your nails, and say “wow, I did it, smooth sailing from
here on in”…or b)jump around, pat your self on the back and
celebrate-go fishing, buy a car, start writing acceptance
speeces for business of the year … but both hold a highly
dangerous common thread: neglecting the immediate future.

It’s ok-even appropriate and deserved-when you finally start
seeing those results you’ve been working toward, to take a deep
breath and relax. It’s super to think in grandiose terms;
without dreams, life would seem small indeed.

BUT, come back to earth quickly; the supermonster might crash,
your big customer can also go bust, and your silver lining might
tarnish fast. Go ahead and start reeling in the next “big one.”

This IS actually the best time to either prospect or close other
sales; when you’re on a sales high (yes, you athletes, it
happens!), you’re feeling your best, and that energy will be
reflected!

Hopefully your business plan includes daily income producing
activities (IPAs). These can be small; send a new ad to a
different type of ezine, add a new product or try a new type of
service (eg ppc search engine or lead generation program). They
are also the activities that bring you up in unexpected
setbacks, because just at the point something falls through,
those seeds sown start springing up. If you put all your eggs in
one basket, what happens if you drop it?

Don’t neglect outside opportunities: pass out business cards,
make specialized auto tags, magnets, pencils, feather caps,
whatever might be appropriate for YOUR type business; join
organizations, talk to people at the grocery store checkout or
your child’s ballgame, conduct a local class or volunteer to
present a free seminar at the communicty center…Use Your
Imagination! How many IPAs a day? Just depends on how much you
want back.

It’s important to cater to your present customer now too; you
want to retain them. Remember THEY are your most valuable
asset-they ARE buyers, and know others!

I like to do my KGA (Keep it Going Activities) right after a
major accomplishment; trying out new software to see how I might
improve efficiency or presentation, revising/editing website
content, reviewing data, implementing plans to improve those
places which are lacking or deficient, updating keywords…this
is sort of my ’round tuit’ list! These activities primarily are
for the benefit of current customers.

After all, a bird in the hand is worth two in the bush.

(c) Shelly Rich Friedling