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Posted in: Investment \ Tagged: , , ,

Abacus Avenue Business Consortium For Small Business Industry

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“Management” is a word that involves administration, regulation,
treatment, guidance, care, conduct and control and everything related
with the same. Moreover to this, it is also very important for any type
of planning; be it home, an enterprise or any event. We all look forward
for well versed home management services which are equipped with
features to lend us proclaimed services. Further with this expectation
people earlier had to visit number of Real Estate Service providers in
order to have a true essence of home, the ease and convenience linked to
it. But nowadays this is no longer a major issue, as there is Small Business Consortium
that tends to carry out services regarding real estate services,
property management, mold specialists and many more all together.

Generally it has become a common problem for a large
number of people in the fast paced life to manage the household routine
jobs that literally leads to negligence of work involved in looking
after a house. Thus with an intention to overcome this problem many
business collaborative groups, specialists in the property management
industry are being cooperated to carry household chores in smooth way.
Furthermore, home management is most sought after by varied discerning
individuals looking to save time and energy. These individuals no doubt
speculate the vital aspects before they hunt for a reliable home
maintenance services so that they get a complete property management
solution for their home.

Effective property management companies
are aware of the multitude of issues that frequently arise related to
real estate services. They cater to deliver the consumer tailor-made
facility as per their interest and demands for their property.
Additionally, investment in the concerned area is of course one time
investment and not at all costing you in the long run. For bespoke home
maintenance services, one should seek for the experienced personnel with
the expertise and knowledge in the field because they only understand
the value of your property.


Breathe a sigh of relief and drop all your tensions as you will have
the added benefit of working with agents who understand your needs when
buying, selling, or relocating. A leading mold specialists company runs
with a reputation for client satisfaction, and they are highly devoted
to make your move as easy as possible. Moreover, they ensure the
household chores are getting organized in an appropriate manner. So if
you are also the one looking for these home management amenities, simply
log on to Abacus Avenue for more details and enjoy spending more time with your family, friends and best of all more time for yourself to relax.

Posted in: Small Business \ Tagged: , ,

Innovation – It is Essential to Competitiveness

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Numerous
forces, including a rapidly expanding marketplace (globalization)
leading to diversity among consumers, increasing competition, decreasing
budgets and personnel are as much at the heart of difficult challenges
confronting technology companies these days as the tight economy. Even
in the best of circumstances, staying competitive is more difficult than
ever. In the worst of situations it can feel down-right desperate.

The
“rise-and-fall” nature of today’s environment is evident all around us.
The secure, stable markets of yesteryear are rocked by disruptive
technological advances and increased competition while small start-ups
rise seemingly unchallenged, to great heights. Why? The conditions that
determine competitive advantages are changing at an unmatched velocity.
Creativity and innovation are the keys to the success of organizations
in bracing up to and rising above these challenges.

After three
decades of dismissing product innovation with claims that it doesn’t
increase the bottom line, many companies have now come to the conclusion
that ongoing product innovation is the
essential factor for organizational success. The former attitude comes
about in no small part because history abounds in examples of
organizations that have expended tremendous amounts of money and effort
on product innovation programs that had little direct value in the
marketplace.

Almost all now appreciate the role of product
innovation in their prosperity, most are still in search of effective
and efficient ways of producing that innovation. Aligning resources and
practices or culture when there is a lack of background in generating
product innovation is a daunting and formidable task.

In fact,
improperly conceived product innovation programs can be almost as
dangerous as a “sit still” policy. In the mid-1970s for example Exxon
correctly identified office automation as a significant opportunity.
They also correctly understood that they shouldn’t attempt the product
development internally and purchased a company in the space. What they
did misjudge was the speed of product innovation in the office
automation arena which was vastly different from their own. The result
was unmitigated failure as they were never able to innovate near the
front edge of the curve.

The truth is, successful product
innovation should match the capabilities of the organization, the needs
of its customers, the realities of available technologies (and their
actual progress) as well as the impact of new emerging technologies,
budget, the market impact and organizational goals.

With
everything going on in every market, the environment and economy, the
circumstances speak volumes to many organizations about the need for
change. The marketplace opportunities currently point toward the need
for breakthrough product innovation over the incremental variety. This
requires imagination, insight and a fundamental organizational structure
that can examine and exploit creativity – one that enhances innovative
efforts to realize both short and long terms goals.

But how? To determine the electronic product innovation strategy best suited to the situation, consider these factors.

With
this information in hand, a productive and flexible innovation process
presents itself and a logical sequence for tasks emerges

An organization can
hold its competitive edge and stay ahead through a focus on and
effective use this golden key – innovation. Innovative companies are
those that keep their eyes & ears open to opportunities presented by
change and that can respond with fresh ideas and correctly targeted
action to keep them growing and profitable.

Posted in: Innovation

How Do You Pick Your New Financial Advisor

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If you’re like 80% of the people in the world you don’t have as much in your investment accounts as you did one year ago. Whether you should change Financial Advisors or not, now is a good time to asses the performance of your current advisor and decide if it is time to make a change. I want to make it clear that I am speaking of a Financial Advisor not an Investment Advisor, there are less then 5% of the world’s population that should be seeking the services of an Investment Advisor. The investment markets are not a place for most of us to turn to make money; they are a place for us to preserve the capital that we’ve accumulated and grow that capital at reasonable rates of return. Too many of us lost a sizable amount of our capital in the 2001 Tech Bubble only to loose more in the Sub Prime Bubble because we were working with an Investment Advisor not a Financial Advisor.

The first step in choosing your new Financial Advisor is for you to decide what you want from your advisor. Here are some suggestions:
Help me preserve the capital I have been able to accumulate and grow it at a conservative rate of return.
Help me to live within my means and set an investment strategy based on my needs and goals.
Help me protect my family form the loss of my earning ability or my death.
Help me and my family achieve our financial goals prior to retirement.
Help me accumulate enough to enjoy a comfortable retirement.
Help me assess my need for long term care insurance.
Help me establish and estate plan.

Once you know what you want from your advisor you’ll need to find a qualified provider. As in all professions the first qualification you need to look for is education. Your potential advisors will have a Series 6 or a Series 7 securities license as well as an insurance license and a variable products license. A Series 6 allows them to sell mutual funds and a Series 7 allows then to sell stocks, bonds, options as well as mutual funds. A Series 7 is a more in-depth course of study then the Series 6, so I’d eliminate anyone who doesn’t have a Series 7 securities license.

Seventy percent of the people representing themselves as Financial Advisors stop their education beyond their licenses and their required annual continuing education credits. It’s the other 30% of the advisors that you are looking for. These are the people with initials behind their names representing professional designations. At the top of this designation pecking order is the CFP (Chartered Financial Advisor) designation. A CFP is comparable to a master’s degree in financial planning; it takes three years of study and at least three years of practical experience. To find a CFP in your community go to: (cfp.net/search) Other designations like the ChFC (Chartered Financial Consultant) and CLU (Chartered Life Underwriter) are focused on specific segments of the financial advisory field. These designations are comparable to Board Certifications in the medical fields, and I personally would not put my finances in the hands of anyone who doesn’t take their profession seriously enough to seek all the education that is available. This search can leave you with a list of three to three hundred depending on the size of your community. I suggest that you check BestofUS.com, a website that lists the best of ten professions across the United States. This should help you bring your list down to a manageable number of qualified advisors.

Next go to the NASD (National Association of Securities Dealers) website and look up your short list of qualified advisors.
(finra.org/Investors/ToolsCalculators/BrokerCheck/index.htm) Here you’ll be able find out your potential advisors work history, license history and if they have had any legal or disciplinary action brought against them. We’ve gone through some pretty tough financial times over the past ten years and a lot of good advisors have been sued, so use this information as a means of asking your potential advisors questions. Can you tell me what these issues are about? Now Google your short list and see what you find; you’ll be surprised what you’ll learn.

At this point, you need to sit down with those left on your short list. Here is a list of questions that you should ask.
What is your approach to financial planning? If they don’t address the Help me points above their not a Financial Advisor. If they start talking about Managed Accounts, Sector Investing, Momentum, Technical verse Fundamentals, or Option Strategies your talking to and Investment Advisor.
What was your book of business worth on March 1, 2008 and what is your book of business worth today? Can I see supporting reports? Their going to ask to see your finances, it’s fair for you to ask to see theirs and if it’s down more then 25% you’re in the wrong place.
How are you paid? There are only three possible answers here; commissions, asset base compensation, or fees. Most will be a combination of the three possibilities; the one that you want to watch out for is commissions. Commissions can create a conflict of interest. Asset based compensation means as your assets grow their compensation grows or as your assets go down so does their compensation. I liked that it results in a common objective. Fees will involve special work like a financial plan or a research project relative to your specific situation, and that’s fair.
How often will we meet to review my situation? This needs to be at least twice a year.
Tell me about yourself. How long have your been in the business? Do your have any professional designations? Have you had any legal or disciplinary action taken against you? What is your employment and education background? Have you written any books or articles that I can read? You know all the answers, just sit back and judge.

If you’ll follow this process you’ll find the Best Financial Planner for you. You may end up with the person that you’ve been using, but you now know they are qualified to provide you with the service that you need from your new Financial Advisor.

Posted in: Finance \ Tagged: , , ,

The World Of Online Forex Trading

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Foreign currency trading is one of the best openings for earning profit for both full timers as well as part timers. If you are good at the game, then you can earn a comprehensive amount of money through online Forex trading.
Foreign Exchange market is one of the most liquid trading markets in this world which is why a large number of people are getting involved in the process of trading. As the internet has made this world a global village, Forex trading through internet connectivity has further widened the scope of trading. Keep in mind that online Forex trading is not a get-rich -quick system. There are a lot of complicated concepts involved in trading for which you have to be knowledgeable about all the trading ups and downs.

When you initially start trade, you start as a leaner. You must have greed for learning not greed for money. Just because trading has become online, it does not mean that you will become good at trading all of a sudden. Your focus should be on a single market in the beginning. If you want to refrain yourself from losses, you have to refrain yourself from greed.

Everything we do in life has some prior planning. Online Forex trading also needs planning. You cannot simply be in involved in trading without prior planning. For planning and direction, there are brokers available, who have insights about the industry and they can help you in making an action plan. The action plan build should be checked for feasibility. Because of online Forex trading, now forums have been built where traders interact and communicate with each other. Beginners can seek assistance from the trading professionals too. They might have already shared their trading stories, which can be inspiring as well as useful for your trading game.

You dont need big initial investment for online Forex trading. Even with the small amount, if you have made wise investment decisions, you can go a long way in making profits. You need to be updated with all the fluctuations in the exchange rates of currencies. You can find Forex charts and use Forex tools available to evaluate the market opportunities around. Online Forex trading is in fact an opportunity through which a trader can enhance his trading experience. You can stay connected to all the latest updates, fluctuations, market conditions, and expected changes in policies to play your cards in the right direction.

Posted in: Forex \ Tagged: ,

Finding Employment And Jobs For Fat People

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Many employers still discriminate against certain people in the community although they will rigorously deny this if confronted. It has been proven through research that more often than not the attractive person will be chosen for the post, even if they do not have the sufficient qualifications. Jobs for fat people are few and far between though there are people that can be considered naturally fat or built bigger than others. There is a definitive difference between being unhealthily obese, and what is considered being naturally overweight. Many people are a little heavier, though in peak health, and no matter what weight loss pills, potions, or diets, they go on, nothing will change this fact. If you are one of these people you will find getting employment a lot more difficult because of subtle discrimination in the marketplace against fat people.

Society has been brainwashed against fat people

weight loss manufacturers, health and medical industries have labeled fat a dirty word and the social pressure put on people that are a little rounder than others are enormous and unfair. What is even worse is that jobs for fat people are not really advertised, so no matter how well qualified fat people are job hunting is ten times harder. Finding employment can be frustrating to say the least, and because of these pressures it is possible that you could start comfort eating binges and go from being naturally overweight to obese. Your current weight may be apt for your frame, and through eating normally you do not gain weight; and on diets do not lose any either. Consider that your body may have reached a natural balance and you are going to have to accept that you are a little rounder than others. The media and advertising weight loss products and dieting has brainwashed society into thinking that being even a little over weight is totally unacceptable. This has even filtered into business and employment sectors and finding jobs for fat people has become extremely difficult because of discrimination against the fat people community.

Where to look for jobs for Fat people

No doubt the best possible places to look for jobs for fat people would be within a fat people social community, because here there may be employment agencies and employers that do not discriminate on the way you are built, what color you are, whether you are short or tall or a little overweight. The internet has opened many social communities already, and no doubt there is a fat social community that you can join and feel at home plus there maybe jobs for fat people or you can offer employment if you have positions available. It will also be discovered on these fat social networks that employers and agencies that do not discriminate against fat people, have the option of advertising positions freely. The fat people community is a group of people that have the friendliest personalities around, and those business that offer jobs for fat people will end up employing the most dedicated and friendly staff which will certainly end up being valuable assets to any institution.

Are you an employment agency with a lame Excuse?

Many companies will insist that they do not discriminate against fat people for fear of reprisals, but of course they will too subtle to be detected. When you apply for the job advertised, you will probably be wasting your time and will get a notification that the job has been filled by someone better qualified than you. Naturally there is nothing you can do about this. This is what makes hunting for jobs for fat people more than frustrating. More than likely you will be better off not working for a company like this anyway. When you are looking for employment, then you will definitely enjoy better results by seeking out jobs for fat people at employers that will accept your qualifications rather than the way you are built. The internet is the best place where you will find solutions regarding jobs for fat people, and with a little effort you will also find a social network community dedicated to fat people that you can also call home!

Posted in: Employment

Career Test – Taking Career Change Tests and Assessments

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Career test is a great tool to define your career choice. If you
are not satisfied with your job this tool can help. Since job
satisfaction is the way to a peak performance it is critical that you
choose a career that offers yourself every opportunity to excel. And
career assessments are the answer when it comes to selecting the perfect
career. Assessment tests use a series of questions about your
interests, about your style of working, and how you interact with other
people. Questionnaires are an important part of career assessment tools.
These questionnaires and their scoring system were rigorously designed
to provide the most accurate results.

Testing methodologies vary
but in general, career tests ask a battery of questions that attempt to
distinguish many things. They clarify your interests as well as match
your skills and competencies to specific fields. They try to identify
your strong points and individual work style to determine whether you
like certain jobs and if you will be successful in that position. One
popular type of tests is career aptitude tests. These tests measure your
skills you have learned so far in life and your areas of potential.

A
personality test is another type of career assessment tests. They help
discover what your work personality is and find a career for you by
performing a research on hundreds of careers. If you spend some time
taking a career personality test or two, you’ll get several career
options to help you consider how they may fit with your personality.

Career testing programs can assist young
professionals, mid-career professionals, seasoned professionals and high
school & college students to find the right career for each
individual. When you take a career quiz you may be surprised at what
your test reveals, especially if you have been in your current career
for many years. Quizzes cannot provide magic answers but they help you
to have a better understanding of your vocational identity and thus to
seek and generate additional career options. They help you scan a wider
range of possibilities than you might be able to imagine on your own.

If
you want to change career, taking some career change tests can help you
choose your ultimate career choice. Using many career options that you
get from various career tests you then search your soul and ask yourself
some tough questions to determine which career is right for you.

Posted in: Career

Blackberry Curve 8520 – The magical innovation is free at O2

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Blackberry Curve 8520 is a magical smart phone y the brad that is continuously spreading its essence all around the world. The device is very attractive ad astonishing as well. It comes with a 2 mega pixels camera that supports a resolution of 1600×1200 pixels. The device is really awesome and packed with several kinds of business features as well. One can go for various blackberry curve 8520 deals by the leading mobile networks of UK like Vodafone, O2,T-mobile, orange and Three. These networks are offering the beneficial deals with unexpected offers and free gifts.

The device comes with 2.46 inches TFT screen that is really capable to display a color scheme of 65 K colors. The device is equipped with a full QWERTY keypad that is efficient to send emails ad typing texts. It is also featured with a touch sensitive optical track pad. The memory support in this device is up to G including an internal memory of 256MB. The device offers you an internet support on all the wireless networks over 2G including GPRS, EDGE as well as Bluetooth and USB. The device runs on blackberry operating system that is compatible with 512MHz processor. You can enjoy the music over its media player that supports almost all the audio and video formats. The device has a basic HTML browser that offers a fast browsing experience.

Blackberry 8520 Curve deals include contract deals, pay as you go and the Sim free. Pay as you go deals and Sim free are available at cheap rates without any contracts. Users can also enjoy the beneficial offers and plans offered with them. In these deals, users have a freedom to move to other networks whenever required. Blackberry curve 8520 contract deals are best offered by O2 at a monthly cost of 25.00 for 244 months. Users can also enjoy the free incentives offered with this deal including free calls and unlimited texts. The handset is offered at free with Free iPod touch as a gift. So don’t wait get ready for the magical device easily through online shops on your favorite networks with best offers.

For more information about BlackBerry Bold 9780 and Cheap Blackberry Phones visit our mobile shop.

Posted in: Innovation \ Tagged: , , ,

CMS Encouraging Physicians For Health Care Reform Innovation Grants Offered

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At
last someone is looking to cut healthcare cost innovatively- The Health
Care Innovation Challenge program, announced on 14th November, last
year is the most recent federal effort by the Center for Medicare and
Medicaid Innovation (CMMI) to support health care innovations. The
program is aimed at awarding grants to physicians and other health professionals, payers, local governments, to improve care and reduce costs for patients with public coverage.

The
center will provide grants of $1 million to $30 million, which is to
come from the $10 billion the center is receiving from the health system
reform law. With applications for the innovation challenge grants due
on 27th January, 2012, the innovation center expects to notify awardees
by 30th March, 2012. Additionally CMMI – part of the Centers for
Medicare & Medicaid Services (CMS), is managing several similar
programs designed to improve health care by providers.

Priority Areas for Proposals for the Health Care Innovation Challenge program include:

The
Health Care Innovation Center recognizes that new types of
infrastructure activity are critical for implementation of the recent
program like: data intermediaries for quality reporting and information
sharing; transparency initiatives; preventive care models; medication
reconciliation systems, etc. Physicians to cater to the likely increase
in administrative burdens can utilize professional healthcare services.

Medicalbillerandcoders.com
has been advocating the use of new workflows and innovative ideas of
practice management to cut healthcare costs since a decade now. MBC has
been offering innovative but ethical means like work-specialization,
training and implementing simple technology to reduce tedious
administrative jobs. MBC is a well-entrenched association of highly
experienced medical billers and coders who can provide services to
ensure a healthy revenue returns for healthcare providers, and assist
them in solely looking at improving healthcare for the aging US
population.

About Medical Billers and Coders

Medical
Billers and Coders is the largest consortium of Medical Billers and
Coders in the United States. Our aim is to help the physician community
to

reach the right expertise in the right location at the right time.

Physicians
usually prefer the technology and expertise of a large billing company
and the customization and attention of a local Biller Medical Billers

and Coders brings out the best in both the options and caters to the exact need of the physicians’ billing requirement.

For more information visit: Medical Billing Services, Medical Billing Companies

Posted in: Innovation \ Tagged: , , ,

Online Investment – Timing Is Everything

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They say that ‘timing is everything’ and it’s never more than true when looking committing to an online investment. For the comedian, actor, athlete and politician timing is a key skill in success. Being in the right place at the right time is part of the skill (or luck) of any kind of success. The basketball or football player needs to be doing the right thing when the scout is about. The busker singing on the street can have their lives changed if a record producer happens to be walking past.

So is success down to luck – well yes and no. I’m a big believer in creating your own luck. If you put yourself about, take risks (albeit calculated ones) and put yourself in situations where opportunity can be seized.

The most common piece of investment advice given is ‘get into property’ and as a general rule it’s sound advice. Property in general appreciates in value over time and delivers a return on investment significantly better than any bank or savings scheme can offer. However – timing can make or break the investment opportunity. Many have been caught short by entering the property market at the wrong time and making very little – and in some sad cases ending up in negative equity. If you buy in a town that is on the rise – then you’ll make money from your investment. If you buy in town and a factory then lays of 1,000 employees causing widespread unemployment – there’s a good chance that you could lose money, see very little growth or have to wait a long time to see a return on your investment.

If I could give only one piece of investment advice it would be to develop the skill of being able to spot opportunities. Broaden your perspective think laterally and learn how to read how events will shape things financially and then make calculated decisions based on those factors. If you can learn this new kind of thinking then you will see investment opportunities others miss and most importantly you will see them in time to get in early.

Posted in: Investment