Credit cards can be an excellent tool to help you manage your finances. But sometimes we make poor choices, or sometimes the events in life take us beyond our expectations and we are left to foot the bill. Perhaps you have had a few months of extra, unexpected expenses that you are now paying for. What can you do?If you are faced with several large credit card bills, a UK personal loan is one choice for you to consider. Many people are selecting...more
Your PBX system has served you well in the past and with a bit of upkeep and maintenance will continue to meet your needs in the future. However change is on the horizon.It's not so much that the PBX features have changed, it's the technology delivering those features and your co-workers interaction that is changing. In the end the choice to upgrade your voice communications system may not even be yours. Many PBX manufactures are embracing Voice...more
There isn't a steadfast rule in determining a proper Management to Staff ratio. However, there are some guidelines that can assist in establishing a ratio that allows Upper Management to efficiently assess and evaluate a department, department managers to efficiently assess and evaluate employees. And a company to create benchmarks to gauge and define a model ratio that works best with their business model. First you should define the roles and responsibilities of Management, Supervisors and non-supervisory employees. Here are some suggestions: Define a Manager: A Manager has the responsibility for strategic operations, planning and formulates company policy or directs the work of a department. Exercises supervisory authority that is not merely routine or clerical in nature and requires the consistent use of independent judgment. Additional Related-Duties may include: Administers one or more policies or programs of a company, Manages, administers, and controls a local branch office of a company, Has substantial responsibility in human resources management, company-to-public or company-to-employee relations, public information, or the preparation and administration of budgets....more
To find the fair value of a common stock, we need to determine the net profit generated by a firm. Dissecting income statement will give us the steps required to find net profit. One of the critical component of income statement is gross profit.What is gross profit? Gross profit is the profit obtained after subtracting all variable costs with...more
Credit card machines nowadays come in various types and prices. The kind of business a merchant is venturing on determines the kind of credit card machine that he or she is going to use.If a transaction should be typed in the machine for it to be validated, a machine without a printer would be needed. On the other hand, a retail business would...more
Humans are all emotional being. We do not always make decisions rationally. Emotion is part of us as investors. Investors might feel better towards stocks at certain point or they might feel that owning stocks are risky and avoid it at all cost.Investors may also feel attached towards a specific company and continue owning the stock without regards to its fundamental. For example, you might like Google's search engine so much that you decide to buy the stock at $ 350 without doing any research. You figure that Google's search engine is so much better that buying the stock will give you profit, right? Wrong. Now, I am not here to bash Google as an investment, but analyzing an investment goes beyond the products and companies. Most investors can identify good companies and products. It is quite easy. You know that a Mercedes is a better car than a Ford or a Civic.The next question is how much should you pay for a Mercedes or a Civic? This requires us to put aside our emotion for a second and think clearly. Sure, you'd like to have a Mercedes in your life. It is luxurious and have a lot more fancy features than a Civic has. But, that does not mean you should overpay for it. It works...more
Credit cards! If you're like most people, you probably love them some times and hate them other times. They can be a great way to manage your finances and they can be a terrible bill to get every month.But credit cards aren't all bad. If we could...more
When people look at their financial portfolio many do not consider loans as a wise option. This is because people see the principal plus the interest and automatically assume that alone is a bad decision. That is not always the case. When considered...more
The choices you make in life need to be made wisely. Especially the financial ones! And if you're like most people, you'll be making constant choices as you put together a financial portfolio to provide you with an income and give you and your loved...more
The pace of change in today's business environment is inarguably staggering. Growth of e-commerce; changes to business structures; evolving relationships; changes to funding arrangements; access to capital and its sources. All occurring at...more
If your company uses a PBX / Voice Messaging system then you are being targeted by Phreakers (Phone Hackers). Phreakers take advantage of system interface vulnerabilities, known security (factory) passwords, and use social skills to obtain access to...more
If you attempted to host your program on the internet lately, you'll notice that many of the 'Free' download areas are now charging to host your program. If the download hosting is free then they may charge for the membership and...more