Synchronize A Smartphone And Yahoo! Calendar

Synchronize a Smartphone and Yahoo! Calendar

Synchronizing Yahoo! Calendar directly with your smart phone's native calendar through your wireless network (also known as over-the-air) or Wi-Fi is only possible with an iPhone running mobile OS 3.0 and above. Other smart phones (e.g., Blackberry smart phones, Palm Pre's and smart phones running the Android mobile OS by Google) are currently unable to sync directly to Yahoo! Calendar over the air.

Instructions

1. Tap on the "Settings" app on your iPhone. If you are unable to locate the "Settings" app, tap on the physical "Home" button, then wait two seconds and tap on the "Home" button again. Type "Settings" in the search field, then tap on the "Settings" search result with your finger.

2. Tap on the "Mail, Contacts, Calendars" menu option with your finger (which is located underneath the "General" menu option).

3. Tap on the "Add Account" menu option with your finger, then tap on "Other" on the next screen.

4. Tap on the "Add CalDAV Account" menu option with your finger, which is located in the "Calendars" section.

5. Type in "yahoo" in the "Server" field, which the iPhone will automatically change to the appropriate server domain. If the iPhone does not automatically change or switch to the correct domain, type in "caldav.calendar.yahoo.com" in the "Server" field.

6. Type in your Yahoo! user name in the "User Name" field, then type in your password in the "Password" field.

7. Type in a name for your Yahoo! Calendar account in the "Description" field. Then tap on the blue "Next" button near the top of the screen to have your iPhone calendar sync with your Yahoo! Calendar.

Make Tv Advertisements

Making a television commercial can be a very exciting and fun process. It can also challenge you to a breaking point and become a harsh experience. It is a chance to allow the creative nature from within to flow into a piece of visual art that captivates the audience, allowing them be filled with desire to purchase what is on the television screen.

Without going into great detail of the specific functions of each individual crew member, the process of making a TV commercial cannot be fully described. This is make a commercial from a producer's standpoint, giving a brief overview of how TV commercials are made, what jobs need to be filled and some of the planning that is involved in making a commercial. There are three different stages to making a commercial. They are pre-production, production, and post production.

Instructions

1. Begin planning. Pre-production is the planning process that takes place before the actual commercial shooting. During this time, the budget is formed, the crew is hired, locations are scouted, permits are obtained, the talent is hired, the script is revised, the shooting schedule is established and all possible planning for the commercial is done. It is creating an essential game plan. The better prepared you are, the easier it will be to have the production and post-production go as smoothly as possible.

2. Hire people for these positions: producer, director, first assistant director, second assistant director, director of photography, art director, key grip, best boy electric, grips, sound mixer, boom operator, cable utility, camera operator, first assistant camera operator, second assistant camera operator, script supervisor, dolly grip, location scout, editor, assistant editor, sound designer, music editor/composer, craft services, production assistants and a writer.

3. Convene at the shooting site. Production is the shooting of the commercial itself. If you have hired a professional crew, then expect that everyone will know what they're doing. If this is the case, then it is within the trust of the professional hierarchy that people will know what to do and take and delegate orders that are required to shoot the commercial. Normally, before the actual filming begins, there will be principal photography, which is pretending to shoot the commercial, performing everything that is scheduled to happen, but without pressing the record button. This is done as practice to avoid costly mistakes and to see if there should be any last minute changes made.

4. Add finishing touches. The last process before commercial completion is the post-production process. During this process, the editors work in conjunction with the audio post-production department to edit the video, sound and music together. During this process, you will truly discover whether what was filmed is of good quality.

Editors and sound designers are the real miracle workers in the creative process of TV commercial making. They can truly make or break a commercial, so it is always best from a managerial point-of-view to keep an eye on what they are producing. That does not mean stand over their shoulders while they edit, but check in on them occasionally to see how they are progressing to avoid having a bad edit of a commercial that you know will not meet the client's expectations.

5. Deliver the commercial. When the post-production is finished and you have your final product, you will often just hand it over to the client who paid for the commercial. The client will then work with their marketing department to have the commercial aired. If all is well and everything goes smoothly once they have completed working with the cable and satellite companies to determine the air dates. You will be notified with the date and time of when the commercial premiers on television.

Turn Individuals For Irs Tax Fraud

Report tax fraud to the IRS.

There are a lot of different ways an individual can commit tax fraud. If he fails to report earned income to the IRS (Internal Revenue Service), it is fraud. If he places false information on his tax return, such as making taking deductions and credits that he is not entitled to, it is fraud. When you know of such behavior, you can report it to the IRS. By doing so, the IRS will investigate the matter to determine whether or not the individual or business is guilty of fraudulent behavior.

Instructions

1. Download and print IRS Form 3949-A. This form can be downloaded from the IRS website (see Resources).

2. Complete the form by entering information such as the name and address of the taxpayer, his Social Security number, date of birth and marital status. State the details of the fraud: what you discovered, when it was discovered, where it happened and how you discovered it.

If it is a business that you are reporting for fraudulent behavior, provide the name of the business, the business address and EIN (Employer Identification Number).

3. Mail the completed form to the IRS:

Internal Revenue Service

Fresno, CA 93888

4. Type your own letter to report the tax fraud, if you don't want to download and print the form. In your letter, be sure to indicate all of the details of the fraud. Mail the letter to the same Fresno address that is listed in Step 3.

Gmo Effects

GM crops like corn are designed to be disease and pest resistant.

The first Genetically Modified Organisms (GMOs) available for mass consumption were soybeans, initially planted in the mid-1990's. Shortly afterward, farmers began planting and marketing GMO corn, potatoes, cotton, rapeseed and tobacco, along with the original soybeans, for human use. GMOs are genetically modified to provide farmers with higher yields and drive down costs, but the benefit or harm of long-term GMO usage is open to debate.

Genetic Modification

Genetic modification alters plants and animals by adding DNA to their genetic code. The new DNA is chosen to provide a particular beneficial trait such as resistance to herbicides or viruses. Scientists intend that the new plants will prove heartier than their traditional counterparts and result in higher yields.

Genetic modification is a concern for the environment for several reasons. First, the new plants can cross-pollinate with surrounding species, effectively releasing a completely new genetic profile "into the wild." This has potential to decrease biodiversity, which could in turn leave the food supply more vulnerable to disaster.

Second, many modified plants have insecticidal properties that cause death when eaten by harmful insects.

Finally, as with all anti-microbial products, many scientists are concerned that the resistance bred into GMOs may create tougher strains of viruses, bacteria and weeds that would be more difficult to eradicate.

Human and Animal Health

Currently, laboratories only modify plants with DNA strands from substances that are considered harmless to humans and animals. There is concern, however, that the DNA isolation and recombination may result in a substance that behaves differently in the new plant than it did in the original, triggering allergies or causing toxicity.

On the other hand, food designed to contain more nutrients may be beneficial to humans and animals. Higher levels of essential nutrients could lead to better health with little change in dietary intake.

Farming Economics

GMOs are generally designed to provide a higher yield for farmers, which should provide a greater income from lower costs. However, initial economic benefits have proven elusive.

Most GMOs are patented. The seeds are available from a limited number of sources and cannot be saved from year to year. This results in an increased price. Over time, wide acceptance of GM crops could consolidate seed production into the hands of a small number of producers, decreasing competition and driving up prices.

Marketing GM crops has also proven difficult. Since there is little understanding of the long-term effects of these plants, consumers are nervous about purchasing GM foods and their derivatives. The European Union has lead the way in marketing regulation, implementing strict standards for GMO farming and product labeling within member countries.

Fundamentals Of Writing Guidelines & Methods

Running a smooth business is a lot like managing a sports team. Specifically, encouraging participants to play their best game depends on them understanding who does what, achieve mutually compatible goals and the consequences of committing errors. While policies and procedures are often put in writing when the organization is first formed, they're also an ongoing work-in-progress that evolves and adjusts to address new circumstances.

Purpose

Polices and procedures exist for two reasons: (1) to provide a legal context for protecting employers from lawsuits stemming from employment terminations, inappropriate use of company property, time or funds, and occupational injuries resulting in disability or death and (2) to provide a step-by-step tutorial on how employees should perform their tasks, operate equipment and interact with others.

Determine whether your document is a policy that lays out ground rules for office conduct or a procedure that teaches employees do something. If it's a policy, give it a short title that explains what aspect of work life it impacts. Example: "Holiday Overtime Policies." Prepare a short statement explaining why this policy is being introduced.

If it's a procedure, give it a how-to title. Example: "operate the GSX-5000 paper shredder." A rationale for its existence isn't necessary.

Target Audience and Timeframe

Policy statements are often written as memos and not only designate who the policy affects, but when it becomes effective. Examples: "All employees"; "Regional managers"; "Clerical personnel". In most cases, new policies are labeled "effective immediately". A later date for implementation may be given if management deems that workers will need extra time for a transition.

Procedural materials are distributed only to personnel performing the referenced tasks and are designed to be placed in a binder kept at each worker's desk.

Decide who your policy impacts and its implementation date. For procedures, identify which employees perform the tasks and use the equipment referenced in the document.

Language

Polices and procedures are legal documents and their content must be presented in a clear, concise fashion that leaves no room for misinterpretation. For procedural manuals, care must be taken not to assume knowledge on the part of readers by using acronyms without accompanying translation, giving vague instructions or leaving out vital steps.

Assemble a committee comprised of an attorney, an HR representative and several employees to help draft your document language. For procedural text, make a sequential list of every step necessary to complete a task and test it on individuals who don't have any familiarity with the task or tools.

Enforcement and Consequences

A policy is only as good as the resources in place to enforce it. For procedural documents, the hazards of misusing equipment or skipping steps need to be defined along with troubleshooting information and tips.

Identify who will be enforcing the new policy and the consequences for failure to follow it. Examples: disciplinary personnel actions such as termination, demotion, loss of privileges and/or the filing of criminal charges. Specify who the employees should talk to if they have questions or concerns.

For procedures, explain how deviations from protocol can potentially jeopardize work flow, damage materials and cause personal injury.

For policies and procedures, include a sign-off section section on the document for employees to acknowledge that they've received the material and will take responsibility for reading it. The signed original will be placed in each worker's personnel file and a duplicate is retained by the employee.

Buy An Isuzu Vehicross

The Isuzu Vehicross is a compact sports utility vehicle that was manufactured for the1998 through 2001 automobile release years. It has three doors and a four-speed automatic transmission. What is unique about this vehicle is that it was partially assembled by hand. Two versions of this vehicle were made, the Japanese version and the American version. Since this SUV is no longer being manufactured, if you want to buy one, you will have to find a used one.

Instructions

1. Look at the overall condition of the Isuzu Vehicross you want to buy. Since many of them have been used for offroad excursions the body may be dinged, dented or scratched. The better the exterior condition of the vehicle the more valuable the vehicle will be. Examine the mechanics of the vehicle, which has few negative reports and no recalls. As long as the previous owners took care of them, most Vehicrosses should still be in good running condition.

2. Select an Isuzu Vehicross with the body and mechanical modifications you desire. Many people who bought a Vehicross made modifications to their vehicles. Engine, body and interior modifications are the most common changes made. One modification that can be made to a Vehicross is to add a Supercharger engine. This amps up the engine’s horsepower to 300.

3. Examine what the 2000 Isuzu Vehicross has to offer. The 2000 model offered 15 miles per gallon in the city and 19 miles per gallon on the highway; a 215 horsepower V-6 engine, a special optional Ironman Triathlon decal kit and an optional wind style roof rack.

4. Find an Isuzu Vehicross with lower mileage by looking at 2001 models. The 2001 model has the same engine as the 2000. It comes in Proton Yellow, Foxfire Red Mica, Kaiser Silver Metallic, Dragon Green Mica and Ebony Black. Interior colors for this year include red and black or grey and black combinations.

Disclosure Of Accounting Guidelines

Disclosure of Accounting Policies

Accounting is the process in which companies record and report their financial transactions. Companies often prepare financial statements as the final result of the accounting process. External business stakeholders rely on this information for making decisions, which may require disclosures.

Facts

Generally accepted accounting principles (GAAP) is a principles-based system, meaning companies have some latitude when applying GAAP to their financial information. Accounting policies represent the company's interpretation of GAAP and how individual financial transactions are recorded in the company. Accounting disclosure are statements made by company owners and managers about how they develop and implement accounting procedures.

Features

Companies often make disclosures on inventory valuation, depreciation and the capitalization of expenses in operations. This information provides details on how these items will affect financial statements. Additionally, these statements allow business stakeholders to understand the rationale behind the company's accounting process.

Considerations

Large or publicly-held organizations usually make accounting disclosure in the company's quarterly or annual report released to the general public. Smaller businesses may create a simple memo or other document to include with their financial statements. The audience receiving the information should dictate how the company releases disclosures.

Earnings Of An Entertainment Manager

Entertainment managers can earn high wages depending on their clients.

Entertainment managers may scout, represent and negotiate contracts on behalf of clients in the entertainment industry, including athletes, actors, musicians, artists and other public figures. They may also represent and promote events and facilities. The salary of an entertainment manager depends largely on which industry he works in, as well as the income of his clients, as working on commission is common.

Salary

The Bureau of Labor Statistics, or BLS, reports that the average salary of an entertainment manager in the United States was $87,430 as of May 2009. On the salary scale, the median salary for this type of manager was $61,890, with those in the 25th percentile earning less than $38,480, and those in the 75th percentile earning more than $105,870.

Industry

Agents and managers for artists, athletes, entertainers and other public figures earned an average income of $97,820 as of 2009, reports the BLS. The promoters of performing arts, sports and similar events earned a lower salary average at $63,030, while managers working for performing arts companies earned even less, with an average of $58,860. Entertainment managers working for independent artists, writers and performers earned an average income of $67,640 a year, while those working in spectator sports earned an average of $67,700.

Location

The state with the highest salary average for entertainment managers was California as of 2009 at $114,300, according to the BLS. Connecticut, New York, Illinois and Massachusetts followed with salary averages ranging from $91,330 to $107,260 a year. The highest wages in the country were found in Los Angeles, California, with a salary average of $117,320, followed by Bridgeport, Connecticut, at $109,260 and New York City, New York, at $103,770.

Advancement

Entertainment managers generally advance by taking on more high-profile clients or managing larger events. They may also seek higher wages in other industries; the BLS reports that entertainment managers working in both the accounting, tax preparation, bookkeeping and payroll services and the motion picture and video industries earned average salaries of more than $119,000 a year as of 2009.

Prepare To Become A Politician

Politicians come from all walks of life, and most career paths can eventually lead to a change of career to politician. While some people know they want to be a politician all their lives, many end up falling upon the passion and path much later. President Reagan was an actor before becoming president, and many other politicians throughout history come from other vocations. Here is how you can prepare to be a politician yourself!

Instructions

1. Evaluate your reasons for becoming a politician. Identify where this desire comes from, and be honest with yourself about what sort of things appeal to you about being in politics. If it is glamor, fortune or fame, you should try another path to that treasure. Rarely do politicians have such massive success that they are granted any of those things. One should become a politician if he has an absolute interest in making a political change.

2. Pick a political party. One cannot be on both sides of the fence if you are a politician. You have to pick your party. The main parties in the United States are the Democratic and Republican. We also have the Green Party, the Independent Party and numerous other political parties. Learn all you can about each side before choosing the one that you can get behind wholeheartedly. It's not like sports, where one can merely trade a teammate. Loyalty to your political party is a must.

3. Try to find a mentor within your party. Going into politics blindly is not a smart idea. Asking a politician you particularly admire for some guidance and mentoring is not a bad idea. Be sincere in your letter, and always tell the truth.

4. Volunteer for your political party at first. Get to know the ins and outs. Be sure to vocalize your goal of becoming a politician yourself when people ask you about your interests. Never just blurt it out to a superior, though. Overzealous networking can kill a reputation--and career! Be friendly and available, and people will come to you. Make sure to work very hard on every task given to you when volunteering.

5. Identify which issues you are most passionate about. You need to be touched on a personal level, and your own desire for changes will be a driving force behind your political career. You make a difference when you are driven by passion!

6. Start small. Think of what job as a politician would be best suited for you. Figure out what is needed to fulfill that job.

7. Go to school, or apply for a job in the field that will give you the experience needed to fulfill your chosen position in government.

8. Run for office when you feel secure in all your preparation! Campaign wholeheartedly, knowing you've paid your dues.

Get Tickets Towards The Masters

The Masters Golf Tournament

Tickets to The Masters golf tournament are widely known as the toughest tickets in sports to get. However, with a little luck and a lot of cash, tickets to The Masters can be found. Even if you don't have the patience or the money to spend, you can apply for tickets to The Masters practice rounds and see a lot of golf for a lot less dough. Why are tickets to The Masters so hard to get? This is because all tickets available directly from Augusta National Golf Course (where The Masters is held) are sold out and have been for years. There was a waiting list opened in 1972, but it closed in 1978. Another waiting list was opened 22 years later in 2000, but it also closed one year later. So, how do you get your hands on tickets to The Masters Golf Tournament? Read on.

Instructions

1. TICKET BROKERS. Ticket brokers get their tickets directly from patrons who are eligible to buy tickets from Augusta National Golf Course. If you plan on going this route, then shop early and bring your checkbook. Tickets to The Masters go fast, so it's best to shop when demand is lowest (usually after The Masters tournament, for the following year). Also, be prepared to spend several thousand dollars. The toughest tickets in sports do not come cheap.

2. SCALPERS. Scalping tickets is legal in Georgia as long as it occurs at least 1500 feet away from the event. So, if you live close to Augusta, GA (or maybe even if you don't) you could just show up and hope to get lucky. Prices will still be sky high and you will also need to be on the lookout for counterfeit tickets.

3. EBAY. Ah, good old eBay! It's true that you can find tournament tickets to The Masters on eBay, but only if your lucky. And, it's still going to cost you. When checking eBay, you are much more likely to find practice round tickets rather than tickets to one of the four tournament days of golf at The Masters. If practice round tickets work for you, then check out the next step.

4. PRACTICE ROUND TICKETS. Tickets to the practice rounds at The Masters are still available to the general public directly from Augusta National Golf Course and it may be your best bet for getting on the grounds at a "reasonable" price. However, practice round tickets are available by application only and are allocated to applicants on a random basis. If you have never applied before you need to get on the mailing list to receive an application. To do this send your name, address, daytime telephone number and e-mail address to: Masters Tournament / Practice Rounds / P.O. Box 2047 / Augusta, GA 30903-2047 no later than May 1. Applications must be received by July 15 and successful applicants will be notified in September. (Dates are subject to change each year. Check Master.com for the most up to date information.)

5. JUNIORS PASS PROGRAM. The Masters recently added a Junior Pass Program. This program enables an accredited Patron the opportunity to personally bring one junior (age 8-16) to each of the four Tournament days. This program is not available on practice round days and is also unavailable to company patrons.

The Typical Salary In Freelance Marketing

Enjoy a lucrative career as a freelance marketer.

Marketing and advertising procedures have been used by people all over the world to sell products and promote services for decades. As society evolved, so did marketing techniques. With today's modern technology--namely the Internet--new opportunities in marketing careers are steadily increasing and lucrative careers in freelance marketing are one of the perks. The average salary in freelance marketing varies dramatically, since there are numerous areas of concentration. As a freelancer you'll often have the ability to establish your own income level.

Getting Started

You don't need a college degree to succed in marketing, but it helps.

According to the CV Tips website, the annual net salary for freelance marketing consultants is between $42,362 and $94,759, but don't expect to make that kind of money right away. To be successful in freelance marketing you must have some form of education or training related to the industry. It is recommended to have a degree in business management with a concentration in marketing to achieve maximum success. However, you may be able to bypass college if you are able to attain comprehensive web marketing training through workshops or internships.

Areas Of Concentration

As a freelance marketer you'll find that there are numerous areas you may specialize in that vary considerably in compensation. You can choose to become a freelance marketing graphic designer, consultant, copy writer or brand marketer, just to name a few. Finding your niche is good way to reap maximum rewards and produce quality results for your clients. However, having knowledge in multiple areas leaves you open to more opportunities, hence a potentially higher salary. According to career websites like CV Tips, Career Bliss and Indeed, in 2010 a freelance marketing copywriter earned between $34,850 and $67,820 per year. The average salary for a freelance marketing consultant is around $45,000 but can rise as high as $1.5 million annually.

Geographical Variance

Your salary may vary according to your work location.

Where you live or choose to work can make a major difference in your rate of pay. The geographical location of your clients and your local economy will be a considerable factor in how much you can expect to get paid. According to Indeed, as of November 2010 the average yearly salary of a freelance marketing graphic designer in Chicago or Los Angeles is $51,000 while in New York City it's $63,000 and in Dallas it's $47,000. In smaller cities salaries tend to decrease. Troy, Ohio checks in at $45,000 and Ann Arbor, Michigan's average salary is just $37,000 for the same position. If you choose to work partially or even exclusively online, you can earn "big-city" dollars no matter where you live.

Variables

There are certain variables that you must consider when estimating your potential earnings as a freelance marketer. Your salary will likely reflect your level of education or training, specialty skills and amount of experience in your field. The more training and hands-on experience you have under your belt, the greater your earning potential. You should also take into consideration what types of clients you want to attract and what your competition is charging for similar services. If you work locally, you can expect to earn a statistical average annual salary correspondent to your location. If you choose to work online, you may find you are charging varied prices for identical services depending upon where your clients are located.

Setting Your Freelance Pay Rate

Choose the right formula for you to set your pay rate.

As a freelance marketer you will often be able to either negotiate payment with your clients or set your own flat rate. Knowing what to charge your clients may be confusing at first, but following a few common pricing methods can help you get an idea of fair and profitable fees for your services. There are many formulas for establishing a pricing scale. The simplest one, used by many seasoned professionals, is to establish how much you want to earn for a project and how many hours you anticipate working on it. Divide your dollar amount by estimated work hours to calculate your hourly rate. According to Sitepoint.com, after deducting overhead expenses a typical profit margin is about 20 percent.

Make & Print A Card

Create personalized greeting cards online.

Creating and printing a greeting cards online costs less than buying a card at the store, and it also allows you to customize your card. Cards can be created online for any occasion. Printing your own cards gives you the opportunity to correspond with friends and family much more often.

Instructions

1. Navigate to an online greeting card site such as americangreetings.com or wondergreetings.com.

2. Select the create and print tab on each page. For both americangreetings.com and wondergreetings.com, this table is titled "Printables" and is located at the top of the page.

3. Choose the template you wish to use for your card. At wondergreetings.com, the available templates are shown on the page in front of you. Simply click on the image you would like to use. At americangreetings.com, the printable cards are separated into categories on the left side of the page. Click on the category of your choice and browse templates within the category. There is a search bar above the listed categories. Use this search bar to find templates if you have a specific card in mind.

4. Edit the content within the template to personalize your greeting card. Wondergreetings.com allows you to edit all the text within the template. The images cannot be changed. Simply type the words you want displayed on your card in the text box to the left of the card image. When you are finished click "Print". Americangreetings.com allows you to edit the text as well as add additional art or photos. In the editing window click "Add text", "Add photo", or "Add art" to make these changes.

5. Join Americangreetings.com in order to print. Click on "Join now to print". Enter your personal information in the appropriate boxes. Americangreetings.com requires credit card information to join. There is no charge for a two-week trial.

6. Print greeting cards at home.

Print your customized greeting card onto card stock or other high quality paper. Insert the desired paper into the paper slot on your printer. Printer settings do not need to be changed to print on card stock.

7. Place printed card in envelope and seal.

Just How Much Will A Dozen Roses Cost

A dozen red roses can be very affordable.

A gift of roses can send a variety of heartfelt messages like love, friendship or peace. The cost of a dozen roses can vary depending on the time of year, the quality of the blooms and the type of roses. If you're willing to compromise on one or more of these issues, you'll find some excellent deals and still make someone very happy.

Quality

The quality of a dozen roses includes how long the blooms last before drooping and dying, how large and vibrant the roses are, and how close to perfect each rose is. Most big box stores like Wal-Mart have selections of quality red roses that might have a blemish or two; a dozen should cost around $20. Higher-quality roses are found at florist shops; these blooms will often last up to a week. The average cost of a dozen roses from a floral shop is $60.

Season

Roses are most expensive around Valentine's Day, when everyone clamors to give them as a traditional gift of love. Since the demand is so huge in February, rose growers must add more labor to get the crop ready for the busy season. Also, the rose plants themselves are nipped of extra buds so one bud will grow faster. That single bud must provide all the profit. A cost of a dozen high-quality roses can skyrocket to more than $100 in the few days leading up to Valentine's Day. Early orders may be less. After Valentine's Day, the price will drop to normal levels again. If you have a very understanding and thrift-minded sweetie, the day after V-Day may hold some very good bargains on roses at florist shops.

Types

When you think of a dozen roses, usually it's a bouquet of red roses you visualize. Red is the most popular color, and therefore the most affordable. Other colors like pink, yellow and white are common, and will have the same approximate price as red roses. Specialty roses, like those specifically dyed for an occasion in blue, black, lavender or other color mixes, can cost between $50 and $90 per dozen. Rare roses, such as hand-grown heirloom roses from small farms or unique variations such as orange-tinted roses, can cost up to $120 per dozen, depending on season and vendor.

Purchase Oil Companies

Crude Oil Prices

Even as politicians discuss alternative energy options, the reality remains that most people around the world will be dependent on petroleum to fuel their transportation needs. This scenario creates a long-term demand for oil that will make oil companies a profitable investment for many years to come. Investing in oil does not have to be a complicated process. Follow the instructions in this guide to learn what options are available and take advantage of them.

Instructions

1. Decide if you want to make an investment that is conservative or high risk. Investing conservatively in companies that purely sell oil and petroleum is the safest way to put your money in the oil industry, but may take more time to pay off. Investing in high-risk companies that are involved with exploration or dealing in unfriendly countries has the potential to generate enormous financial gains, but can also potentially lose your entire investment.

2. Consider buying into the U.S. Oil Fund (USO) instead of investing in a specific company. USO is what is known as an Exchange Trade Fund. Rather than being a company, it is an asset that was created to track the market price of oil. Consumers can buy shares in the fund the same way they would company stocks. Simply buy shares at the market price of oil when the price is low then sell them (minus a small fee) when oil begins to trade at a higher price per barrel.

3. Look up the ticker symbol for the oil companies that you are interested in. All companies that are publicly traded will be identified by a ticker symbol. For example, Exxon Mobil is identified as XOM, while Chevron is identified as CVX. Each company has a unique symbol. You can usually find these symbols by visiting the Investor Relations portion of the company website, or by typing the company name into a financial website, such as finance.yahoo.com.

4. Research the historical performance of the company. Once you know the ticker symbol, you can look up the historical performance of the company. You can research the long-term and short-term trading prices of the stock to identify the highest and lowest selling price of the shares. This will help you identify the target price you wish to buy shares at, as well as to set a goal for the price you would like to sell shares at.

5. Open an account at a website that allows you to buy and sell shares of stock. Scottrade, eTrade and TD Ameritrade are great options for this. You can also use the services of a professional broker, but it is faster and cheaper to do your own trades online, as long as you already know which oil company you want to invest in. Simply sign up for an account at one of these online trading sites and follow the instructions they provide for funding your account.

6. Program your buy and sell orders. Program your buy orders for each ticker symbol/company you are interested in. Simply set the price you wish to buy at and the number of shares you would like to buy. The software will automatically execute the trade when your criteria have been met.

Setting sell orders works the same. Program in the price you would like to sell your shares at for each company, as well as the number of shares you are willing to sell at that price. The software will automatically sell the stock when your goal has been reached. At this point, you are automatically investing in oil companies even if you are not online to monitor the transactions.

Insurance Plans For Homebased Companies

Those who operate a home-based business need more insurance coverage than a standard homeowners or renters insurance policy. In fact, most homeowners or renters insurance policies exclude coverage for business-related claims. As a home-based business may provide a substantial portion of a person's income or be the person's only income, protecting these assets is important.

Business Assets

Owners of home-based businesses need insurance coverage to protect a company's assets, such as computers, fax machines and other equipment used as part of the business. Businesses with product inventory will also need insurance to protect this property. Before consulting with an insurance agent about coverage, a business owner should determine the value of the business equipment on hand and what equipment the business may add in the future. Owners may also purchase business interruption insurance that covers lost income because of fires and other events.

Liability Issues

For many home-based businesses, liability issues present a larger potential loss than lost assets. For example, if an accountant has a client coming to the house who falls and is injured, the potential financial liability from the injury may be quite large. Another liability issue for many home-based business owners is providing inaccurate information. For example, if the same accountant gives bad tax advice, the client may sue the accountant for damages. Manufacturers of electronics, candles, food items and other products may also need product liability insurance to provide protection from lawsuits.

Auto Insurance

In addition to insurance for the home, a business owner should make certain to have proper insurance on his automobile if he uses it for business purposes. A business owner should discuss the specific uses of the vehicle with his insurer to be certain to purchase the proper coverage. Also, if the owner has employees who use automobiles as part of the business, a business owner may purchase additional insurance coverage for possible damages caused by an employee's vehicle while working.

Other Considerations

Many insurance companies sell policies that cover both a home and a home-based business. Business owners should compare the costs and coverage of these policies against two separate policies. Even if a person decides to not purchase additional insurance to cover the business, the person should report to her homeowners or renters insurance provider that she operates a business from the home as some insurers may not allow this or will charge a higher rate. In any case, by informing the insurance company of the business, the home owner or renter can make certain to have coverage for the home.

Write Instructions For An Unhappy Customer

"The cyclone derives its powers from a calm center. So does a person." -- Norman Vincent Peale

No matter how well you tend to your car, it may still break down on you unexpectedly. The same holds true with customer service. When faced with a dissatisfied, unhappy or angry customer, take a deep breath and remember what Microsoft founder Bill Gates once advised: "Your most unhappy customers are your greatest source of learning." Whether the customer is wrong or right, focus on discovering hidden lessons; then your response, written or otherwise, will evoke sincerity, curiosity, humility and an eagerness to work with your customer as a business partner, both on the pressing matter and beyond.

Instructions

1. Respond quickly, because a lag in response may further aggravate your customer's unhappiness. The simple courtesy of a response will defuse frustration and dissuade your customer from escalating her complaint and audience by using online social media or website "megaphones."

2. Reassure your unhappy customer. State that you are aware of her displeasure and are promptly investigating the complaint. Express your concern and offer a sincere apology. State also your desire to learn more about the issue, especially if details were not disclosed at the onset, as well as your eagerness to resolve the issue quickly. Set a date for a phone call or face-to-face meeting.

3. Research the issue from a customer service perspective in the meantime. Get the viewpoints of employees, team members or anyone else who may have been involved inh the unhappy situation. Adopt an objective, fact-finding approach rather than an accusatory tone that could further inflame the situation. Your goals are simply to get a handle on the facts in order to prevent an issue from recurring in the future and to determine a reasonable resolution to your customer's pressing issue.

4. Speak to you unhappy customer. Allow her to vent her frustration or discontent unhurriedly and without interruption. When she has calmed down sufficiently, turn the discussion to resolving the issue. Propose a specific solution that would relieve her displeasure quickly and meaningfully. Continue the discussion until you both agree on a course of action, and then establish a time frame for its implementation.

5. Document the unfortunate issue, your follow-up discussions and final agreement in a formal letter. Maintain a professional, humble and grateful tone. Apologize again for the inconvenience and dissatisfaction caused by the issue. Thank your customer for her candor and feedback, which are essential to improving your product or service. If applicable, describe the measures that you are instituting to prevent the same issue from happening again. Express your hope and optimism for a stronger relationship between you and the customer.

Flourish In Insurance Sales

Hone your people skills and you'll be a successful insurance sales professional.

The subject of insurance can be unsettling. People worry about health coverage, debate how much car insurance is enough, and express concern about amassing enough life insurance to help families after death. Given the sensitive nature of the business, your success in insurance sales will depend a great deal on your people skills. To prepare for your future, learn your trade, hone your compassion and understand what it takes to walk in the shoes of your clients.

Instructions

1. Obtain the best education possible. Take psychology, human behavior and marketing classes to learn target your market and reach people. A degree in finance, economics or business administration makes a great starting point. Many universities offer insurance-specific curricula and classes on the art of sales. Get in on industry-related workshops, seminars and niche-specific symposia on a variety of subjects. Intern with an insurance agency, or an insurance brokerage house, to see whether or not you like the work once you receive your license.

2. Specialize in one type of insurance sales when starting out. Decide what specialty makes you the most comfortable. If, for example, a higher-than-average number of rejections don't bother you, and you have no problem delivering death benefits, a career in life insurance sales makes a good fit. However, starting out as a specialist doesn't mean you can't eventually sell every type of coverage under the sun down the road, as you strive to succeed.

3. Affiliate with a top-notch company. Not only will you enjoy having a prestigious insurance company's name on your business card, but you'll work with the best supervisors and managers as you build a successful career. It's important to affiliate with a company that's rated highly by A. M. Best Company, a credit rating organization that's assigned high-to-low ratings to all insurance companies since 1899.

4. Expect competition to be daunting; the field of insurance sales attracts a lot of people, not all of whom are equipped to sell policies. Develop multiple tools to land sales and clients. Encourage word-of-mouth referrals, make cold calls (on average, at least two hours a day), mine connections with relatives, friends and social acquaintances. Use the internet, social networking sites and online, commercial lead-generation sources like QuotesAuction for real time, quality leads. These sites aren't free, but the data you receive -- in the form of qualified leads and account management services -- can be worth the expenditure in your quest for success.

5. Update your skills, education and professional standing continually. Keep your insurance sales license current, comply with state licensing classes and exams and seek certifications to build your reputation and credibility. Contact organizations like The National Alliance for Insurance Education and Research to locate continuing education opportunities. Get to the top of your professional mountain by attaining a prestigious credential like Chartered Life Underwriter (CLU).

A Diligence Record To Buy A Company

Buying a small business is one way to invest your money and earn future profits. However, purchasing a business is also risky. You stand to lose everything if the company can't compete and perform up to expectations. Before buying a business, it is important to consider many factors as part of a diligent, fiscally responsible process.

Research the Industry

Once you identify a business that you might like to buy, learn about the industry in which it operates. Even if you think you understand the playing field, it is essential that you know about the competitors, customers and prospects for future growth to know the context in which the business exists. Verify that the industry has growth potential and an adequate or expanding customer base. This will mean more room for your business to grow and your investment to turn into profit.

Letter of Intent

A letter of intent, or LOI, is a document that you and the current business owner draw up to aid in future negotiations. You'll want to work with a contract attorney when writing a letter of intent, since the terms of the letter may affect how much you're willing to pay or whether you want to buy the business in the first place. A LOI is not a legally binding document, but is the first step in expressing your formal interest. It is also an important gauge of how the rest of the purchasing process is likely to proceed.

Perform an Audit

An audit will tell you everything you need to know about the financial situation of the business and its position within the industry. A certified public accountant can perform the audit, or you can hire a consulting firm to assemble a detailed report. The result of the audit should be a list that includes the firm's assets, its liabilities and its financial commitments to customers, payroll and suppliers.

Financial Projections

From the audit information, perform financial projections that estimate the future value of the business. While there is no way to measure a company's anticipated growth precisely, you can get a general sense of its potential short- and long-term growth.

Secure Financing

Before committing to buy, secure financing for your purchase. This may mean seeking private investors or getting a small business loan from a lender. In either case, the audit, along with your projections and business plan, will determine who is willing to invest, and how much.

Implement A Drugfree Place of work

Implementing a drug-free workplace has become an important issue for many companies. While the process may not be easy to establish and even more difficult to run successfully, the rewards are many. Not only are drug-free companies more productive and less problematic, but having a policy in place is a requirement to obtain government support for certain credits and backups.

Instructions

Implement a Drug-Free Workplace

1. Create a policy that encompasses everybody and is simple to understand and follow. This can be as easy as printing and distributing an employee handbook or memo indicating zero tolerance to drugs in the workplace. If you will require drug tests from employees, specify that in the policy, too.

2. Let employees know what will happen in the event that they test positive for drugs or are caught distributing and/or consuming drugs at the workplace. Whether you plan to implement a zero-tolerance policy that would result in the employee being fired at the first offense or you plan disciplinary action, you need to let employees know what to expect. Once forewarned, they can make conscious decisions and then accept the consequences.

3. Educate employees through workshops, seminars or lectures. You can also provide access to printed materials on the subject or make a counselor available to those who need help dealing with a current problem. Make it a priority to emphasize not only the problems the company can experience due to drug use by its employees, but how drug use can adversely affect the lives and health of users.

4. Deal with a current drug problem by talking to the employee directly, rather than acting from instinct or believing gossip. Address the problem by asking direct questions, explaining the company's policy and requesting immediate action to fix the problem.

5. Engage a third party to implement a drug-free workplace rather than attempting to do it yourself. Many organizations or governmental agencies can help you establish a support system that consists of both preventative and reactive actions. Or consider hiring a consultant to work out the details of the program if you have no experience doing it yourself.

Ethical Issues Running A Business Communication

Business colleagues communicating

Every business needs to impress upon its employees the importance of communicating ethically, whether the communication is between company employees or between company representatives and the outside world. Employees must be honest, fair, sensitive and respectful in communicating with one another and in communicating with customers, vendors and the public.

Dishonesty

Honesty refers to telling the truth in its entirety. Using exaggeration or manipulation seems to be common in business, both in internal communication and external communication. When honesty is compromised, people and businesses can lose credibility and respect.

Gender

Difficulties may result from how a person treats the opposite sex or how a person handles the issue of sexual orientation. For example, if a manager is kind to men but is harsh and impatient with women, there may be complaints. It is important to remember that problems can arise not only from words that people use but also from nonverbal communication.

Religion

A person should keep his religious beliefs to himself, unless he would like to respond to someone's inquiry about religion. An employee should be cautious about displaying religious symbols.

Favoritism

Favoritism refers to unfairly rewarding, assisting or punishing someone, and favoritism can result from inappropriate communication. Employees need to steer clear of communication practices that can lead to accusations of favoritism.

Calculate Just How Much Carpet You'll Need For Any Room

Calculate How Much Carpet You Need for a Room

When purchasing carpet, salespeople will typically measure your room and tell you exactly how much you need. Still, it is always a good idea to know in advance how much you will need to do your room. First, you do not want any surprises when the salesperson prices out your carpet. Secondly, you want to know that the salesperson is calculating your carpet correctly and that you won't end up with too much or too little. Here are the steps on calculate how much carpet you need for a room.

Instructions

1. Measure the room and draw the room layout. Measure the room by length and width using a retractable measuring tape or laser tool. Transfer the measurements to paper. Be sure to accurately draw any distinct features of the room such as bay windows or angled walls.

2. Choose your carpet and purchase the correct width carpet for the room. Carpet comes in three basic widths, 12 feet, 13-6 and 15 feet. The majority of carpets come in 12 feet. If you have a room that is wider that 12 feet you may want to purchase a 15-foot wide carpet.

3. Draw the layout of the carpet on the room layout. The key to drawing the layout of the carpet is to avoid having too many seams in the room. If you do need to have a seam in the room, you want to avoid having it in a traffic pattern or down the center of the room. In this illustration, the 12-foot wide carpet is wider than the 10-foot room so the layout will be easy.

4. Determine the needed length of the carpet (linear footage) you need to purchase. After you have drawn your carpet layout, you need to look at the drawing and determine how many linear feet you need to purchase according to the plan. In this case, the 15-foot carpet is 3 feet too small for the room's width. Therefore, you will need a second length of carpet to piece into the remaining area.

5. Calculate your carpet price based on square yard price. Calculate price based on the amount of carpet you need to purchase plus a 10 percent allowance for waste. Since carpet is priced by square yard, you need to convert the square foot amount into square yards. To obtain square feet multiply the length by the width of the carpet. Next, convert square feet to sq yards by dividing the square foot amount by 9. Multiply this amount by the square yard price to estimate the price of your carpet.

Meaning Of Employer'S Insurance

Employer's liability insurance is a policy that most companies find necessary to purchase. Some people refer to this policy as worker's compensation. Although the two are packaged together, employer's liability insurance covers more than employees. Accidents and injuries can happen on the job at any time and that makes it essential for the functionality of a business to have a sound policy just in case.

The Facts

Employer's liability insurance is an insurance policy that protects employers from liabilities arising from disease, fatality, or injury to employees resulting from workplace conditions or practices. This insurance comes in three phases: comprehensive, professional, and property liability insurance. Worker's compensation insurance is also part of the insurance policy. Comprehensive or general liability is usually limited to bodily injury and illness from working on the job or damage to property. It can be combined with property insurance to insure against accidents at the workplace or at places your business is conducted. Professional liability protects business from "errors and omissions" or "negligent acts" by the company. Such acts include malpractice, and accounting and investment errors. Professional liability insurance can be referred to as professional indemnity insurance. Claims under this part of the insurance are typically more expensive than comprehensive claims.

Benefits

This insurance provides employers with a safety net in case something catastrophic happens, such as a flood or a fire. Employer liability insurance is designed to help employers pay for injuries and accidents that occur at the workplace. An insurance company will take on the burden of payment only after doing its own thorough investigation; insurance companies do this to eliminate frivolous claims. Some of these claims, just or not, can cost companies a lot of money, and without protection in place, some may fold from the financial obligation.

Considerations

The policy pays the claimant for medical costs and other expenses associated with the claim. It also provides financial protection for companies against damages done to property. The purpose of insurance is to make someone or something whole again. In exchange for insurance protection, the company is required to pay a premium. The amount of premium payments depends on the amount of coverage that is offered by the insurance company after considering risk.

Misconceptions

Having liability insurance, like most insurance options, is a choice. If it isn't required by law, many people and businesses struggle with the prices of premiums but pick up insurance because of what could happen if they don't. Employer's liability insurance is not a policy that should be overlooked. Given that incidents are bound to happen and judgment awards are increasing, especially in the health and financial industries, having an insurance company in your corner can help your business through a tough time. It's no wonder that the two previously mentioned industries are required by legislation to have this insurance since they have been slammed with some significant judgments in recent years.

Warning

Some companies are required by law to have employer's liability insurance. The companies who are not required by law to purchase insurance and choose not to carry it face a big risk of an unfortunate event being compounded by huge lawsuits; they may have to pay out incredible sums of money. It is a good option to shop around for a policy that provides a reasonable enough payout in case something happens.

Produce A Proper Strategic Business Plan

A strategic business plan is a tool that management uses to keep a business and its employees on track. It helps the business to focus its energy and attention on its core business goals and values. A properly thought-out and executed strategic business plan is a tremendous asset to anyone serious about taking a business to the next level.

Instructions

1. Determine your businesses mission. Before you can think of making a plan, consider why you're in business and what your goals are. In essence, you have to come up with a blueprint for your business.

2. Set up a planning committee. It takes more than one person to come up with a workable strategic business plan. Identify the key personnel who should be involved in the process. Create a planning committee that consists of people who understand your vision.

3. Assesses where you are and where you want to go. Before you can move forward, you must assess where you are currently. Now that you've got a blueprint and the correct key people to determine go forward, find out which direction to go. A business assessment evaluates whether or not your business taken a wrong turn somewhere along the way that needs correction.

4. Develop a strategy. Now that you know where you are in relation to where you want to be, you can create a plan with steps to achieve your goal. The strategic plan is an outline of what your business can do to reach its goals.

5. Evaluate and make changes. All plans are modifiable. If you find that your plan needs tweaking because your business is not heading in the direction you originally intended it to go, make changes.

Buy A Turn Key Business

A turnkey business can be a great deal or a scam.

According to entrepreneur.com, the term "turnkey" refers to a package so complete in providing everything you need to start the business, that you only need to "turn the key" to get it started. A true turnkey package includes everything from locating the site to buying equipment and training employees. Unfortunately most turnkey businesses are not this robust, but they do offer a partial package that will cover most details related to starting a business. A turnkey business, often in the form of franchises, can save you lots of time and money during the start-up phase, but it must be able to generate considerable profits to cover franchise fees and operational costs.

Instructions

1. Research the franchise fee. A turnkey business will profit by charging you a fee to opt in to the opportunity. This price will vary depending on the type of business. You should look into similar turnkey opportunities from different companies and compare fees. If the fee is too high for the type of business, you may have a difficult time making a profit. You should also look at the ongoing royalty payments that the company is going to charge you; make sure this royalty fee doesn't make it impossible for you to make a profit. Compare with other businesses in the same industry.

2. Contact existing owners. Ask the company to list current clients who have purchased the turnkey business. Contact the current owners and ask about the process of obtaining the business, the fairness of the costs and the amount of support from the franchise. List the areas where the clients had difficulty, and clarify these areas with the company.

3. Ask for a cost breakdown. The turnkey business should come with a cost breakdown detailing every individual component. Ask if the labor cost is included in the cost breakdown.

4. Get financing. If the starting cost of the turnkey business is out of your reach, you will need to seek loans or investment from local lenders. Often the company offering the turnkey solution may offer their own in-house financing help.

5. Sign and commit to the turnkey agreement. Consult an attorney and a Certified Public Accountant (CPA) prior to signing the agreement. Have them look over the agreement and flag any potential troublesome areas, or areas that need clarification.

Get Initial Stock For Any Christmas Tree Farm

Running a Christmas tree farm is hard but rewarding work. Once your farm is established, you are an essential part of the holiday season, helping to bring the joy of the season into the family living room. As part of the start-up process, you have to make many decisions, including get your initial stock.

Instructions

1. Assess your farmland. Gather the information you need to make your initial stock choice: number of acres available for planting, quality and pH level of the soil and number of laborers available to tend to the trees. Take advantage of the resources of nearby agricultural colleges, which often have programs to assist farmers.

2. Discover which trees are best-suited for your Christmas tree farm. Using the information from your assessment, determine the species that grow best on your land.

3. Consider the best-selling trees in your region. The most popular Christmas trees in North America include the Fraser fir, the balsam fir, the blue spruce and the Scotch pine. However, the popularity of each type varies by region, so take into account which trees are most popular where you live and find a nursery that carries the stock you want.

4. Order the number of trees appropriate for your Christmas tree farm. Make sure that you have room to plant the trees 5 to 8 feet apart, ensuring their healthy and successful growth.

Verify A Cheque From The Business

Verifying funds is worth the effort.

If there are any concerns regarding a business check received, verifying there are ample funds in the account to cover the amount of a check is a good idea. Unfortunately, it is often the unsuspecting depositor of the bad check that ends up paying fees when the funds are subsequently withdrawn. And, with fraud seemingly all around us, ensuring you are doing business with and getting compensated by upstanding and financially sound businesses is worth the time and effort it takes.

Instructions

1. Locate the name of bank the check was drawn on and the branch, if possible. This information is usually located on the front of the check itself, just as it is with personal checks. A check drawn on a well known national or regional bank account does not mean there are adequate funds. However a business with fraudulent intent may be less inclined to try and fool a multi-billion dollar financial institution than a small, local savings and loan.

2. Search for the phone number of the bank via the Internet or phone book. This number will occasionally be printed on the check itself, though a quick search will usually find the correct contact information. Take note of the branch address at this same time, as it may be needed as well.

3. Call the bank's specific branch and ask to have the funds verified. Make certain to have the check available, as the routing and account numbers listed on the lower left of the check may be required. It is likely the bank will not provide this information over the phone. However, it is worth a call to see if you can avoid further time and effort on your part.

4. Visit the bank (again, the particular branch the check is drawn on if possible) and ask to verify both the account and adequate funds in person. Banks and other financial institutions are much more likely to provide this information if it is asked for in person rather than over the phone.

5. Prepare to pay a nominal fee for this service. Though all banks and financial institutions are different, some may charge to confirm the account is legitimate and that there are adequate funds to cover the amount of the check. Also, once the check is verified, deposit it immediately. Just because there are adequate funds in the account the day and time you verified them does not necessarily mean there will be the next day.

Create Good Ad Copy To Find The Best Ranking

Mixed fonts and cluttered layout make an ad difficult to read.

Good ad copy is created by understanding your reader and the benefits of the product or service you are marketing, making it easy for the reader to understand the benefits of your product or service. The copy also should clearly explain take the next step to find out more about that product or service and purchase it. Mixed messages, cluttered layout and disorganized information in ad copy confuse the reader and lose the sale.

Instructions

1. Learn as much as you can about the product or service you are marketing and to understand your buyer. What is the buyer looking for? To create top-ranking ad copy, capture the reader's attention by explaining how your product or service fulfills the buyer's needs.

2. Create a unique selling principle for your product. Explain how your product is different and better from other similar products. Write ad copy that differentiates your product or service from your competition.

3. Focus on your product's benefits. Identify a problem your product solves and explain how it solves the problem. Create a bold headline that gets attention and states a benefit or immediate solution. Without a good headline, you won't capture the reader's attention and your ad copy will not be effective.

4. Write easy-to-read ad copy using short and concise bullet points that focus on the benefits of your product or service. Write the copy in a simple and practical way so your reader understands it. Explain the benefits available to the reader right now with each bullet point identifying a clear benefit or solving a particular problem.

5. Include guarantees, warranties or bold offers that separate you from the competition. Or include an added product or benefit that is low cost for you but has a high perceived added-value for the customer.

6. Create a call to action -- tell the reader what steps to take to find out more about your product or service. Clearly tell the reader what you want him to do - mail coupon, call you, etc.

Make Cheap Worldwide Calls

If you need to make international calls on a regular basis, you will risk huge bills if you use traditional calling services. Fortunately, there are several ways to make cheap international calls.

Instructions

1. The easiest way to make cheap international calls is online. You don't need to mess with any PIN numbers or calling cards. You can get started almost immediately. If you want to make cheap international calls online, then you can use Skype.

2. To make cheap international calls with Skype, visit skype.com. You will have to download their program and install it on your computer.

3. Once you download and install Skype, you will need to sign up for an account. Once you sign up for an account, you will need to buy credit. The minimum credit is 10 euros. Then, you can dial numbers internationally using Skype. Just be sure your computer has a microphone and speakers or headphones!

4. If you'd rather make cheap international calls using a traditional telephone, then you will need a calling card. You can always go to the nearest convenience store and buy an international calling card. In the United States, most gasoline stations sell these. These are fairly cheap, but are not as cheap as Skype.

5. If you want to save more money than using traditional calling cards, you can also visit speedypin.com. There, you can purchase very inexpensive electronic calling cards. In some cases, this will be even cheaper than using Skype.

Do Your Personal Cma

The accounting profession sparks interest for many college students. They envision a lifetime of dealing with financial numbers and increasing their own financial worth at the same time. After graduating, some accountants choose to pursue certification as a way of developing their resume and increasing their marketability. Certification increases the accountant's promotion opportunities and salary potential. The CMA, or Certified Management Accountant designation adds credibility to the accountant's abilities. Many accounting professionals who pursue the CMA choose to study and acquire the CMA on their own.

Instructions

1. Join the IMA, or the Institute of Management Accountants. All CMA's must be members of the IMA. Access the IMA website and review the membership options. Several membership levels exist. Some offer discounts for younger members. Find the membership level that best fits your criteria and join.

2. Research CMA self-study programs. Several companies offer self-study programs for CMA candidates. These include the IMA, Gleim Publications and ExamMatrix. Review the websites for each provider to see what type of programs they offer. These programs include textbooks, videos, audio CD's, software or access to online resources.

3. Choose the best study program for you. Evaluate your own study habits. Consider whether you retain more information reading a book or listening to a lecture. Determine whether the online resources could provide value for you. Match your study habits to the various programs. Decide on the program that best fits you and order it.

4. Plan a study schedule. Set up a calendar and mark off study times. If you ordered multiple resources, such as videos and software, indicate which resource you plan to use during each study time. Include specific topics to cover during each study time.

5. Take the exam. CMA testing centers exist around the country. Locate the testing center nearest to you and schedule the exam. Prepare ahead of time by reviewing the requirements for the exam. For example, review whether or not calculators are allowed and if the testing center provides the calculator for you.

6. Provide required documentation to the IMA. The IMA requires all CMA's to work a minimum of two years and earn a bachelor's degree. After completing the exam, submit proof of your educational and work experience requirements to the IMA.

Discover If Your Clients Are Iso 9000 Licensed

ISO 9000 certification provides a way for companies to show they have met certain quality guidelines.

Companies who have become ISO 9000 certified are required to adhere to a certain set of guidelines to maintain their certification. A large number of clients will look to see if these standards, which measure the quality management systems of an organization are in place to continue or begin doing business with a business. If a company is willing to participate in certification training, they can earn their ISO 9000 certification. Potential customers need to look at a number of factors to find out if the certificate of company they desire to work with is legitimate.

Instructions

1. Ask the company to let you see a copy of the certificate. If you are not located near the company, ask them to fax you a copy of the certificate.

2. Look at the actual copy to find the title of a known registrar such as Bureau Veritas Quality International, which operates globally, or the Canadian General Standards Board, which only deals with Canadian companies. Keep in mind that ISO registrars are the only entities who are able to give these certificates to an organization. See Resources for a link to a list of ISO registrars.

3. Contact the registrar and find out if it has ever granted an ISO 9000 certificate to the company in question. Be sure to tell the registrar the reason you want to find this out, so they can guide you to the appropriate person.

4. Look at the valid dates. Check the dates on the certificate to make sure they are still in effect. If it is an outdated certificate, find out why they have not had it renewed by asking the company.

Braid Hemp Rope

Hemp rope is used to make a variety of things such as clothes lines, swing ropes, luggage handles and dog toys. Braiding the hemp rope makes the material stronger than it already is. Hemp rope is known for its sturdiness and ability to withstand bad weather which is why many times it is used to help anchor a boat. Braiding hemp rope is basically braiding, but it involves knots.

Instructions

1. Get two pieces of hemp twine rope. The rope should be at least 40-inches long. Line them up against each other and fold them in half (making four strands) allowing a loop on the top where it will be held down by tape or a tac.

2. Make a knot. Consider the strand on the far left to be A, the strand next to it to be B. The strand on the right side of B is C and the strand on the far right side is D. Take A and bring it across B and C, but bring it underneath D. Then take D over B and C and up through the loop between A and B. Pull the string through the loop and tighten to make the knot.

3. Begin braiding. Take B of the hemp rope and bring over A. Continue and take A over B and then B over A again. Repeat this until you reach the end of the rope.

4. Take D of the hemp rope and bring it over C. Continue by taking C over D and repeat until you reach the end.

5. Tie a knot at each end of the two braided hemp rope leaving about 1/3-inch of rope at the ends. Then braid the two strands by taking the strand on the right over the one on the left. Take the bottom strand over the left and continue until you reach the end of the strand. Then tie a knot with the strands of rope not braided.

Boost Morale At The Office Cheaply

Give employees something more to look forward to than a paycheck.

Boosting work-place morale is an important issue for companies that have been hit hard by economic downturns. Companies offering fewer payraises or laying off employees can seriously degrade employee confidence. Employers can try a few low-cost solutions to giving employees a sense of camarderie and excitement in the workplace. These moral-boosting ideas may even strengthen employee productivity.

Instructions

1. Host a weekly planned breakfast where employees sit down and munch together or surprise employees with doughnuts and coffee. Greet them as they walk through the door with a coffee and a doughnut. Serve an afternoon snack, such as wheeling around a cart with popcorn and drinks.

2. Make schedules more flexible. A 2010 ABC News report highlighted a company that gives employees a Friday afternoon off if they've worked late or taken on extra hours in previous weeks. The same ABC News story reported on a Canadian home nursing company that has made work schedules for employees with small children more flexible. Parents with children can take "The Mommy Shift," in which their part time schedule is conducive to picking up and dropping their kids off at school.

3. Employees can be organized into "morale boosting teams" in which they brainstorm company-wide events or get togethers. Each employee is given a chance to participate.

4. As company dress code permits, have a theme day each week or once a month. Employees may sport their favorite athletic team regalia, wear a hat or a favorite shirt. You may even have an awards ceremony in which employees are recognized for the best outfits.

5. Organize a weekly lunch or dinner where employees bring their own lunches but meet up and get to know each other. Arrange so that employees from different departments or teams get a chance to sit down together.

6. Start a company newsletter. Each month a different employee is singled out for his work achievement and dedication to the job. Write up a report on the employee describing his achievement.

7. Set up an anonymous suggestion box in which employees can submit ideas for workplace improvements. Don't be afraid of criticism.

Make Business Inspections

Business checks must be properly formatted in order for them to be legally cashed by your employees or other merchants. Business checks give your business an alternative method of payment to track spending, as opposed to using credit cards and cash. Proper equipment, software and know-how will allow you to make business checks that can be accepted anywhere.

Instructions

1. Open a business checking account. You must have a checking account in your business name in order to draw checks on the business name. You can open a business checking account through your local bank or use an online bank to open a business account.

2. Purchase bookkeeping software. It is necessary to organize and arrange your business finances. It also provides a means of printing your business checks. QuickBooks is a standard bookkeeping software used to create business checks. You can purchase QuickBooks and other accounting and bookkeeping software from your local office supply store or online at sites like Amazon.com.

3. Buy business check writing paper. This is special paper that is watermarked and has encrypted information to protect your business against counterfeit and fraud. You can purchase check writing paper that prints the check only or paper that includes the check stub as well. You can purchase this paper at an office supply store or online at office supply websites.

4. Purchase check writing font software. There are special symbols located within and between the account number and routing number that allows a bank's card reader to process the check. This software can be found online either for a fee or for free.

5. Ensure you have the correct printer. Most check writing paper and bookkeeping software require you have either a laser or inkjet printer. Make sure you have adequate ink in the printer because your checks should be as professional as possible to reduce any suspicion from the bank.

Check A Reputation For A Trademark

Trademark laws are put in place to protect the brand identity of established businesses. These laws prevent new companies from being able to enter the market under an existing name, or making a similar product with the same name, which could potentially confuse consumers. Violation of these laws could not only result in being forced to change the name of your business but also result in a court order to pay damages to the trademark holder. A simple way to prevent this from happening to your business is to check the business name for existing trademarks before you start using the name. Follow these simple steps to see if any trademarks have been filed on the name you wish to use.

Instructions

1. Go to the web site of the U.S. Patent and Trademark Office. You can get there by pointing your web browser to www.uspto.gov. This office is responsible for issuing, recording and enforcing all patents and trademarks filed within the United States.

2. Scan the navigation menu that goes across the top of the screen. Look for the menu item that reads "Search." Click on this link.

3. Begin your trademark search. The page you are on has a variety of search related options. The left side of the screen features options that relate to patents, and the right side of the screen features trademark related items. Look at the top of the right column for the link that says "Search Trademarks now." Click this link to be taken to the Trademark Electronic Search System (TESS).

4. Choose the type of search you would like to perform. TESS offers five different ways to search the trademark database. The simplest search is the "New User Form Search," and the most complex is the "Free Form Search." You also have the option to simply browse the entire database name by name. Select the search method that best suits your needs.

5. Perform your search. On the search page, simply enter any keywords pertaining to the name you would like to look up, or just type in the name itself. After entering the search term and selecting any other options that apply, click "Submit Query" to begin your search. A list of search results will be returned that lists all possible matches for the name you are searching for.

Recycle Prosthetics

Donate your reusable prosthetic to an organization that will get it to someone who needs it.

Although you can't recycle prosthetics or their components at a recycling center in the United States, reusable prosthetics are badly needed in developing countries and countries in which landmine use has resulted in a huge number of amputees, according to the Amputee Coalition of America. A number of businesses and nonprofit organizations offer programs that take donations of prosthetics and/or their components as long they're in good shape.

Instructions

1. Go to the ACA Prosthetic Limb Donations Fact Sheet (see Resources) and find a business or charity that you want to donate to. Some only take donations locally, but some will accept prosthetics/components through the mail.

2. Read the organization's guidelines for donations; make sure your prosthetic/component is one that can be reused.

3. Send or take your prosthetic/component to the organization of your choice. If mailing, package it securely to prevent damage.

Bid For Federal & Condition Jobs

The US government offers small businesses the opportunity to bid on billions of dollars worth of state and federal jobs. The General Services Administration, or GSA, is the department of the US government that connects businesses with federal agencies to fulfill government contracts. You can find the official list of government contract opportunities at FedBizOpps.gov. This list is up-to-date and offers thousands of jobs to bid.

Instructions

1. Sign up for the Central Contractor Registration at bpn.gov/ccr. The CCR keeps track of all bidding information for the US government. Registration will take three to five business days if you already have an employer identification number (EIN), but may take up to two weeks without one.

2. Market your business to the appropriate agencies. Similar to other customers, state and federal agencies need to be sold on the value of your good or service. Marketing your business is part of the process before you make your bid. Imagine how the product or service will be used by the government. Give the appropriate agency a demo or trial of your product to show them how you can help. Make a case for the uniqueness of your business in fulfilling the government's needs.

3. Determine any special attributes of your business that might receive favorable treatment in the bidding process. For instance, the SBA states that 5 percent of prime and subcontracts have been specifically designated for woman-owned businesses.

4. Consider the scale of the project. Many government jobs are large and cannot be fulfilled by small businesses because of high start-up costs and time constraints. Before bidding on any jobs, make sure your business is able to handle the workload and get the job done in time.

5. Schedule a face-to-face interview with somebody from the agency for which you are bidding. Just call the agency to set up an appointment to discuss your ability to complete one of their projects. Sell them on the merits of your business offering and not on the political needs of the agency. Also you must find out the necessary paperwork and the application process for placing your bid.

6. Submit a bid. Be competitive as there are many other businesses bidding for these contracts. The best policy is to bid for lower profit margins so you can get the job. After you have done some work for the government and developed your reputation for quality and timeliness, you can get a stream of steady work from the government that will more than make up for your lower profit margins in the beginning.

What's The Google Business Design

Google Corporation

Founded in 1998 by Stanford graduate students Larry Page and Sergey Brin, Google is the dominant search company on the Internet. The company's primary revenue source comes from advertising related to Internet searches. But it is not the only revenue source.

AdWords and AdSense

Google is where it is today thanks largely to the revenue produced by its AdWords and AdSense programs. When a user performs a search on Google, the results are shown in two columns. The main column contains search results based on algorithms designed to provide the most relevant search results based on the keywords typed into the search box. To the right of this column are a list of paid text advertisements that are limited to four lines of text.

How it Works

When a user clicks on an AdWords text ad, the company or individual who composed the ad is charged a fee every time someone clicks on the ad. This type of advertising is known as pay per click (PPC) advertising. Additionally, Google pays a commission to websites, blogs, and other online destinations to display the Google ads on their sites. This is the AdSense program.

Advantages

The Adwords and Adsense programs work well because the ads are targeted to what the user is looking for.

YouTube and Facebook

Google owns both YouTube and Facebook. Both of these social media sites are free to users. Google has yet to figure out a way to monetise these two sites. As a result, both sites continue to spend more money than they take in through advertising.

Other Google Interests

Google is also investing heavily in the following areas: cloud computing, Internet browsers, Google maps, Google earth, online software applications, Android operating system for mobile devices, mobile phones, and a number of other media-related initiatives.

Methods To Impress In An Interview

Put your best self forward in a job interview.

The purpose of a job interview is for an employer to determine whether an applicant is a good fit for the company. Since there is often more than one person applying for the same position, the interview is also a competitive process that requires a prospective employee to stand out from the crowd. Impressing at an interview can take many forms.

Preparation

The first key to impressing an employer at an interview is to prepare ahead of time. Researching a prospective employer helps an applicant to tailor her speech to fit the company's objectives by presenting a specific case for how she can be an important asset. Methods of research include viewing the company website or finding news stories involving the business.

General Etiquette

Applicants should be aware of general codes of conduct during the interview process. This includes arriving around five minutes before the interview, unless the employer specifies something different. The applicant should always refer to any employee or staff member at the company by their name. Giving the interviewer a firm handshake and good eye contact are other ways to create a positive impression.

Interview Attire

Making a good first visual impression is the most important aspect of an interview. According to the University of Missouri-Kansas City, an employer's opinion of a job candidate is cemented within the first 30 seconds. Salisbury University suggests that the best interview attire for a man is a two-piece suit and tie with polished dress shoes, and for women it is a two-piece suit with a matching blouse and comfortable, closed-toe shoes with heels that are not conspicuous. A woman should wear a skirt that covers her thighs when she sits down. Interview clothes should always be of conservative colors like navy blue or dark gray. Applicants should be clean shaven with a professional hairstyle and conservative jewelry. Applicants should keep their perfume or cologne light. In some workplaces, however, suits are not appropriate interview attire; in all cases, it is wise to investigate the company and ask people who work in the industry what clothes would be the most proper choice for a job interview.

Posture

Posture is another important aspect of making a good first impression with an employer. An applicant should be standing when an employer greets him, to project the image of readiness. Drexel University's LeBow College of Business advises that the best posture during an interview is sitting upright while leaning slightly toward the interviewer. As the conversation progresses, he should attempt to mimic the interviewer's posture. This projects a sincere level of interest. In addition, MBA Boost advises that resting one arm on the table and the other on the arm rest conveys a sense of power and confidence.

Conveying Value

An employer likes to know that a new hire will add value to his company. The job applicant who can convince that he has a track record of being productive or innovative has the best chance of conducting an impressive interview. This includes enumerating achievements in previous jobs that increased a company's profit margins or reduced overhead.

About Authorities Mortgage Assistance To Stop House foreclosures

Struggling home owners may qualify for federal housing programs.

The federal government offers two programs that help homeowners refinance their mortgages in order to make their payments more affordable. These programs include the Making Home Affordable Program and the HOPE for Homeowners programs.

Types

To qualify for a Making Home Affordable refinance or modification, home owners must have a mortgage guaranteed or owned by Freddie Mac or Freddie Mae. Also, homeowners must be current on their mortgage payments. In addition, your current mortgage payment must be more than 31 percent of your gross monthly income.

To qualify for the HOPE for Homeowners program, your mortgage payment must be more than 31 percent of you gross monthly income.

Features

Federal government mortgage programs allow home owners to refinance their mortgages to reduce their payments to no more than 31 percent of their gross monthly income. These programs allow homeowners to reinstate their mortgage at a lower interest rate.

Considerations

The federal government does not manage or accept applications for these programs, but rather offers mortgage companies incentives for helping struggling home owners. Homeowners who want to apply for these programs should contact their lender. Those applying for the HOPE for Homeowners program pay closing costs and mortgage insurance up front.

Be Considered A Sarbanesoxley Consultant

As more employees invest heavily into 401(k) plans to look to their futures, it is imperative that financial business reporting have a sound minimum set of standards. That is the rationale behind the creation of Sarbanes-Oxley (SOX) legislation. As companies hurry to meet these standards, many seek help from specialists in this new field. Join the new field of SOX consultants by following these steps.

Instructions

1. Become familiar with the challenges at the senior executive level. There is a constant struggle to please stockholders while meeting government and ethical standards. Show executives an understanding of that struggle with rational approaches to SOX issues.

2. Act as a liaison between management and external auditors. Many companies develop customized approaches to the regulations set forth by SOX. The consultant should be able to communicate the intent of the company to external auditors as well as inform senior management when goals are not met.

3. Write clearly and communicate complex ideas with ease. Issues related to SOX will be a matter of public record. Any consultant in this field should use the KISS (Keep It Simple Stupid) approach to all written documentation. Stockholders, as well as executives and auditors, will not be impressed by documentation that can't be understood.

4. Provide a stress-free environment for the transition into SOX compliance. Communicate all the rules of SOX in a manner that delivers the importance of meeting federal regulations without an accusatory tone. Companies will appreciate a sound, rational and calm approach to these issues.

Get A Business Title

Get a business name

Choosing a business name can be challenging. Other companies or businesses might have the same business name. When choosing a company name, a business owner must follow certain legal steps to ensure that a particular name is not taken or presently in use. A business owner can acquire a business name with proper research and protect it from being used by another company.

Instructions

1. Choose a name for your business. A business name should fit the theme of your business. Short names are usually better because people will remember them better. Pick a memorable and meaningful name.

2. Decide if you want to file your company as a DBA (doing business as) or using a fictitious name. Trademark the name if you want to own exclusive rights to your business name. Depending on the state, a business name different from your personal name will need a DBA. These need to be filed so a business with a fictitious name can cash checks, open bank accounts and sign contracts. Trademarking a name is not required but provides business name protection. Information on trademarking registration can be obtained through the county clerk's office, city government or state agency.

3. File your business name locally. Visit your local courthouse records department to search files and perform a name check to ensure your prospective name is not in use. Pay the required filing fee if it is available and acquire your business name. Change your contact information, website, email address and letterhead to reflect your new business name.