In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose. When you use a commercial mortgage to buy property, or to raise funds for any other business purpose, the lender retains an interest in that property until the loan has...more
Gone are the days when self-publishing was synonymous with self-defeat. Authors such as Deepak Chopra, Mark Victor Hansen and Neale Donald Walsch, originally self-published successfully before selling their books to major publishers (in order to gain even wider distribution) so we now know that self-published books can match and even surpass the quality and the success of books released by the major publishers. As such they deserve serious...more
Outsourcing is an established way of doing business today, allowing companies to maximize their budgets and resources and generate better products. Also referred to as subcontracting, outsourcing simply means acquiring a product or service rather than producing it in-house. Outsourcing is suitable for just about any industry. In the administrative field, for instance, a variety of activities can easily be farmed out to a subcontractor, including word processing, data entry, transcribing, research, contact management and event planning. Outsourcing is extremely common practice within human resource (HR) departments. In fact, two-thirds of HR departments outsource at least one activity, according to research by the Bureau of National Affairs, Inc. and the Society for Human Resource Management. The top five outsourced HR activities are employee assistance/counseling, flexible spending account administration, pre-retirement counseling, outplacement services and pension/retirement plan administration. Weighing the Outsourcing Option When deciding whether outsourcing is a viable option, a company should consider all of the issues involved. Should the projects be kept in-house because...more
Credit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card. The main benefit of balance transfer is a money-saving one. In the competitive credit card market an increasing number of companies are offering a 0% interest rate for a fixed period...more
When looking to outsource overseas for Plastic Injection Molds or Stamping Dies there are many things to consider.Usually price is the first thing to be looked at, that's probably why you're looking overseas for a new mold or die source-to save money.One of the first places to come to mind is Asia.Large labour forces and low wages can get your job...more
Speak of operations assessment, and we'll hear its significant value. Speak of an audit, and we'll run for the nearest emergency exit. There's no difference between the two, yet that word audit chills us. But is an audit really designed to help us or hurt us?Improve Effective PlanningProblems most often arise from poor planning. Sometimes we're uncertain if we're tackling the correct issues and dealing with them the right way. However, we can improve our assumptions about processes and performance with more effective auditing.Keep Objective RecordsThe internal audit process is not intended to be a 'gotcha' game. Rather, auditing helps management understand and validate the planning element. By keeping an objective record of the process, we can learn to swim first and avoid that sinking feeling later. Improve with Internal Auditor TrainingLes Cornelius, Quality Assurance Coordinator at Lee BioSolutions, Inc., took a two-day IRCA Internal Auditor Skills Class for the knowledge of getting improved results. "I have to stay updated on new and improved ways to design, assess and improve processes," said Cornelius. "The checklists, planning an audit, designing an audit program and...more
Why risk the embarassment when with a little basic PR training, you as a business, non-profit or association manager can always be ready for battle? Never again will you fail to do something positive about the behaviors of those important outside...more
Challenging Tips for Explosive Growth in Any Business or How to Get Your Business From The Kitchen Table to The Boardroom.Fact: This article will not of benefit to everyone.This article is 'Highly targeted'. It is directed specifically to those...more
We have established why a stop loss order is a requirement for the successful investor. Now let's look at some of the simpler methods. There are 3 basic methods (and many more we will not discuss here) for stops that almost anyone can master. They...more
Photography is a vast world. There are many different types of photography and many different kinds of people that enjoy it. It's a hobby that be relatively inexpensive or one that you can invest a lot of money on. Photos are so special because they...more
The outlook for 2005 is out; it is going to be yet another challenging year, with the recent increase in oil prices finally settling in. Economic growth rate is going to be modest and the traditional manufacturing engine of growth may be...more
Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or...more