With consumer debt in the UK at historically high levels, there are greater and greater numbers of us getting into debt, and trying to escape it. While the recession is hurting our pockets wage freezes, redundencies and no available overtime make it hard to earn that little extra we need to pay off our debts we can at least try to reduce or even remove our interest payments until we are in a better position to pay off our debts.Many of the...more
Background Checks - A Business Owner's GuideOver the last decade, pre-employment background checks have become a standard risk-management tool for U.S. employers both large and small. Fear of negligent hiring lawsuits, the need to comply with state and federal mandates, and the high cost associated with employee turnover have significantly increased the number of companies that conduct pre-employment screenings.For smaller businesses without...more
Spending so much time speaking with business owners around Florida, Ive come to understand just how often potential or current customer calls go unanswered. While these owners I speak to tell me that these callers are sent to a voice message box or instructed to call back during normal business hours, I know the truth is that those calls are missed opportunities. I know, because I was once in their shoes.As a productivity consultant in the sunshine state, business owners will ask me the first thing they should be doing to get more out of their employees. My advice is always the same: Get in touch with a Florida answering service. There are many local operator answering service providers that can solve the problems of after-hours and weekend calls, as well as call overflow, when calls are placed on hold due to a high volume. Before becoming a consultant, I ran two small companies and encountered the same problems. My employees who were not dedicated phone staffers spent so much time handling mundane phone interactions, due to overflow customer service calls or a sudden spike in phone sales. The increase in sales was great, but it made more work for my shipping and design people,...more
Times are hard. With this economic condition, it is very important to use your money wisely. Spending less money means more savings for you.As a Senior Citizen, you can take advantage of all the discount privileges available to you. Many stores, hotels, theaters, restaurants, airlines and other establishments offer senior citizen discounts but do...more
Anyone can make money in real estate when the market is booming in your area. The trick to making a solid investment that pays out big in today?s market is to follow the process used by the professionals. The first question that you have to ask is which property is right for me? If you are new to real estate investment, or have lost your shirt...more
If your personal mobile or landline provider routinely added 10%-40% to your monthly bill we dont think it would be long before you asked for a rebate. Surprisingly, very few businesses have acted to make telecoms cost savings, despite the fact that for many, telecoms comes second or third to staff costs in terms of total spend.Telecoms Expense Management is a term used to define a process to check and verify voice, data and mobile comms bills; create an asset register to ensure that all circuits and services are being utilised; and to provide a price control mechanism to aid procurement.What are companies doing to introduce TEM to make telecoms cost savings? A number of companies are leading the way and of course, as with most technologies these are based in the USA. Telecoms Expense Management is an established, billion dollar industry in the States. Major US corporations like American Express and Bank of America are rolling out comprehensive Telecoms Expense Management solutions across their global networks. By comparison the UK is significantly behind as there is no clearly defined market for Telecoms Expense Management services here. Organisations have utilised call...more
Most have the choice of converting from a traditional IRA to a Roth IRA. This decision is based on various factors and could provide a huge financial boon over the long run given the right parameters tens of thousands in most cases. For most...more
Human beings are not commodities, but are creative social creatures, working for a productive enterprise. It is important to consider carrying out a thorough job analysis to determine the level of skills/technical abilities, competencies, and...more
Over 3-million American families who have been affected by the current economic downturn and are struggling with their mortgages are looking at getting their loans modified in order to save their homes from going into foreclosure.While loan...more
We have heard the question, Why should we hire a real estate agent? If you are asking yourself this question, you should know some people do just fine without a real estate agent, many dont. Before you enter into on of the largest transaction...more
The real estate market is a profit making and investment generating industry component. The industry works within extensive networking that is handled by the various active contributors like the agents and brokers and most importantly, the buyers and...more
They are simple and easy to produce, with most quick print shops able to handle the printing at fairly low cost. The important consideration is that you can use them to pull in advertising dollars for yourself, as a free advertising media for your...more