Smart businesses are always looking for ways to improve their image. One simple, relatively inexpensive, but often overlooked way to do just that is to put some serious thought into the appearance of your presentations, reports, and proposals. Here we list the top ten most-used binding methods, and their relative merits and disadvantages. 1.) Staples: Well, they had to be mentioned. Along with paper clips, staples are, of course, easily the...more
Understanding the Legal Aspects of Insurance The safety of a person and their compensation in case of an adverse event should always be a priority. Insurance is a form of risk management that reimburses insurance policy holders after that person has experienced an event which their insurance protects against. In changing times, insurance provides people with peace of mind. Many insurance companies are now in the business of solving the...more
Around the world, there are two approaches to insurance. Where the local culture is based on an adversarial system, the injured run to the nearest court and ask a judge to decide who is the more at fault. This involves a complicated set of rules called tort, and leads to findings of negligence. Lawyers who specialize in this branch of the law tend to be wealthy. Where the approach to problem-solving is to sit down and talk sensibly, the courts are kept out of the way unless there's absolutely no other way of settling. This leads to the development of no-fault insurance. Essentially, this means that everyone has a contract of insurance and, if they suffer a loss, their own insurer pays out. It's not necessary to decide who was at fault. This means all claims are settled quickly and efficiently. It also means lawyers tend to be less wealthy.At first, we decided we liked the law of tort and all the states used the courts to decide who was at fault in all traffic accidents. But, after a while, some lawmakers asked whether all this investment in fighting was a good use of the insurance companies' money. Surely a switch to no-fault insurance was better. That way, there would be less...more
Making Money in PanamaThere are a number of ways of making money in Panama and while in Panama. The most efficient may well be to pay attention to Panama's economy, the housing and real estate market, and other investment opportunities involving capital and not running a business in Latin American, unless you grew up in San Jose, Mexico City, or...more
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The days of vice-presidents in every department and huge holiday bonuses have come to an end. For those who benefited from those practices, that is bad news for you. For those who run companies that once had that type of set-up, you now have an opportunity to make positive changes to improve your bottom line. The corporate structures of yesteryear, if used in today's economy, will lead you straight to the poor house, along with all of the hard-working men and women you employ. The recent recession has changed all the rules, especially when it comes to executive staffing.Having come to the conclusion presented in the previous paragraph, the next question is, "What do you do about it?" Don't be hasty and just fire all of your management personnel and lay off your vice presidents. That wouldn't solve any financial problems you might be having. On the contrary, it would create more. The severance packages alone would send your stock into a tail-spin. The potential lawsuits and union problems would cause additional headaches, leaving you with a new issue - thousands of dollars in legal bills. The best way to not have to deal with any of that is to set up a plan of systematic cuts and...more
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