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    Home Office Designing For The Senses

     

    Copyright 2006 Melissa Galt Sight Seeing Your Business Take Off Color Use company colors to best advantage. If you don’t have any specifically, select a couple. Consider the psychology of color in your selection. Here is a summary of the psychological impact of some of the most popular colors: Red quickens the heartbeat, which means that one may eat more, spend more and lose track of time in the presence of red. Orange is the great social equalizer and represents affordability (i. e. Home Depot). Yellow spurs memory (legal pads), can indicate caution, is generally considered sunny and cheerful and is great in spaces with little or no natural light (creates the illusion of sunshine). Blue promotes trust and a general sense of calm. Green indicates growth and renewal and is the "color of money". Purple often represents royalty and, depending on the time of year, religion. It is also a favorite color of creative types and is known to alleviate insomnia (i. e. promote daydreaming). Brown is usually viewed as conservative and dependable (think United Parcel Service). White indicates independence and wealth (afford to keep it clean!). Black can be very upscale and chic but also indicates a hands off atmosphere (look but don’t touch) and is best used sparingly. Light. Natural light is preferred and best if from two directions. Maximize interior lighting by using incandescent instead of fluorescent lighting. (Torchiere lights with dimmers are cost effective.) Art. Imagery enhances the work environment. If clients visit your office, choose art that is appropriate to the company image. (i. e. if a travel agency, then images of exotic destinations, if a financial planner, then images of Wall Street, graphs of stock trends or images of companies on the exchange.) Balance. Use a mix of square, hard edged shapes and soft rounded curves. For example, if a rectangular desk is used consider a round conference table. Composition. Is there a visual cohesion? Do the finishes used on the furniture look unified? Is the room arrangement functional and effective? Sound Hearing the Sounds of Productivity Banish noise. It is difficult, if not impossible, to work effectively with noise distractions, whether it be the lawn mower, a dog barking, kids playing or an over cranked stereo. Determine your favorite background sounds. Do you prefer music (if so, what style?), talk radio, TV, trickling water or just quiet? Incorporate a radio or stereo system in to the room design or perhaps a water feature, such as a tabletop fountain. Taste Feasting on the Fruits of Your Labor Quench Your Thirst. Even if it’s just a water cooler. The idea of clean, clear fresh water in a glass (no paper cups folks!) can quench thirst and provide a mood lift. Adding a mini refrigerator if there is room can alleviate those trips to the kitchen and be great for any visiting vendors or associates deserving a quick break. Keep it well stocked with favorite beverages. In cooler climates, a coffee maker can be a real convenience and its own wakeup therapy! Maintain Munchies. Use a colorful glass bowl for sweet treats or even a tray of fruit for a quick bite. Using plants, especially citrus or herbs, adds a culinary element to the office and can have an aromatherapy effect. Taste is closely tied to smell. Touch Feeling Your Goals Within Reach Add tactile elements to please your sense of touch leather, wood, stone, cashmere, wool, chenille, rattan, wicker, sisal. Mix hard slick surfaces with softer elements. Don’t forget visual texture, such as patterns and plants. Layer and combine for greatest effect. Smell Scents of Success Aroma therapy is big business these days. Find out what triggers your creativity and lifts your energy by experimenting with a variety of scents, such as lavender, pine, citrus and sandalwood. The scent doesn’t have to be overwhelming or flowery to be effective. Avoid negative scents like mustiness, old gym shoes, day old Chinese takeout and such. Always maintain a neutral or fresh scent. Scent can even be used as a signature for your business. If you are in a home baking business, nothing beats the heavenly smell of fresh baked cookies (which is often a scent used to sell houses!).



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    Catching The Crowd Social Network Marketing

     

    Marketing on Social network sites is not an easy feat. It relies on a lot of user interaction, especially with existing contacts. Know the benefits Social sites can do to your business. Understand how social networking can drive targeted traffic to your website today. Social network sites are the new breed of online social hubs. More and more users turn to social networking sites to find loved ones, reconnect with old friends, or even host a high school reunion. However, social networking sites offer more than just meeting new and old friends, it can also be an avenue to promote your latest book, show online users about your website and updates, or even use the social sites to promote your views and agendas. Social network sites or User created content sites like blogs, forums, or dating websites are basically places online where users can congregate to share information, give advice, or work on similar interests. Users flock social network sites, making it a good vantage point for web marketers to launch their products. There are two types of marketing involved over social networking sites. Different types of individuals who promote their products or skills over social networking sites often employ varying tactics to get their message across. Several online marketers employ the use of the comments system on social marketing sites to post information about their products or use social sites to improve search engine placement for their websites. Though some web marketers would go overboard with the promotion and quite literally spam their target audience with useless data just to lure them to clicking a link which will direct them to the website being promoted. Other types of web marketers employ a subtle technique of social engineering to make users trust them and to make them purchase their products or click on a link to their main website. Other marketers would go as far as using black hat search optimization techniques to force web browsers into redirecting to another site. This type of marketing is not allowed on most social communities, and could get you banned on that social site, if caught. Taking the different strategies piece by piece we identify different patterns on how web marketers coordinate their efforts to capture a wider scope of online users on a social networking site and achieve better search engine placement for their websites. Web marketers who operate viral marketing strategies often use software tools that will allow them to harvest different user profiles or account numbers, which they would use to send or post messages on. Web marketers meticulously gather user details and interest, and seek out vital social community sections like forums and rant pages where their messages can go around with the least possible chance of getting erased by members. Web marketers usually lace their promotional words with entertaining music or videos. But this can still be the tip of the iceberg on the grand scheme of online promotions. Once you give into the advertising, you will see yourself clicking on different links which will make you download or get redirected to another website which can force you to download a certain application or Trojan which they can then use to either force your browser to redirect to other web pages when you are browsing or quite literally force your computer to accept different ads from their website. Social engineering on the other hand employs more interaction between the marketer and the end users. Web marketers who employ social engineering often use chatrooms or utilize the email system of social network sites to send messages to users. VoIP or Internet telephoning can also be used to improve marketer and user interaction. This type of online marketing may take awhile to be realized, but is often more successful in landing repeat customers, if done right.



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    Planning A Themed New Years Eve Party

     

    Planning a Themed New Years Eve Party If you are planning a New Years Eve party, you might also be considering having a specific theme for your party. While a theme is not a necessary part of a New Years Eve party or any party but it can make any party significantly more fun and interesting. Planning a themed New Years Eve party is a great deal of fun but it is also significantly more complicated than planning a party without a theme just because there is more coordination involved in the planning process and in trying to ensure all of the elements of the party fit within the theme. This article will discuss the process of planning a New Years Eve party with a theme and will offer samples of appropriate themes and how they can be applied. When planning a themed New Years Eve party the host has the option to incorporate the theme as much or as little as they wish. Examples of items which can be incorporated into the theme are invitations, decorations, food, beverages, music, entertainment and even the guests’ attire. Guests who attend the party have the option of fully taking advantage of the theme and dressing or acting in a particular character during the event or simply attending the party and enjoy the atmosphere, food, beverages and entertainment provided by the host. Themes for New Years Eve parties can be any theme the host selects and does not have to relate to the holiday at all. One example of an unrelated theme is a Western theme. The host can set the team by sending out cowboy hate shaped invitations encouraging guests to dress appropriately for a country hoe down. Once the guests receive the invitation, they will have an understanding of the theme of the party. If themed parties are not popular with your circle of friends you might want to follow up the invitations with a personal call encouraging your guests to dress according to the theme and assuring them you will be dressing similarly. I planning the entertainment for your party you can consider hiring a country western band to host the party. You might even hire a line dance instructor for an hour or two to offer group line dancing classes to the guests. In incorporating the theme of the party in the decorations, you can purchase hay bales to place around the room and use colored handkerchiefs for napkins. The food at your party should also incorporate your theme. If you are offering a sit down dinner, chili is a good choice. Stew would also be a good option. If you plan to have appetizers, you can create theme related appetizers by giving traditional appetizers unique names. You might refer to mini bagel pizzas as wagon wheels or mini egg rolls as hay bales. For beverages you can serve ice cold beer in glass mugs. An example of a more elegant theme for a New Years Eve party might include a red carpet extravaganza where guests are encouraged to dress like their favorite movie star from any era. Alternately the theme could be limited to a specific era with guests expected to dress like stars from the appropriate era. This is a good idea for a New Years Eve party theme because many guests like to dress in their most elegant clothing and this would give them the opportunity to dress to impress. The theme for a New Years Eve party with this theme might be an invitation in the shape of an elegant silver star inviting guests to join you on the red carpet for the premier of the New Year. In decorating for this event, the host should include a red carpet in their entryway and may want to use a series of motion detected strobe lights to mimic the flashbulbs of paparazzi lining the red carpet of movie premiers. This will serve to immediately get the guests in the spirit of the party. Entertainment for the party might include giving out New Years Eve awards to the guests in a series of different categories and allowing guests to give a short speech as they receive their award. PPPPP Word count 701



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    Dog2 All About Heartworms In Your Dog

     

    Does your pet dog suffer from heartworms? Dog heartworm is a common disease among canines in the United States. Discovered in 1856, the worms mainly live in your dog's heart and major blood vessels. The worms, especially on worst cases, seriously impair the heart's operations. Worse, they could also clog your dog's blood vessels.

    These infections result in loss of body weight, chronic cough, dropsy, shortness of breath, chronic heart failure, vision disturbances, and ultimately, death. Since the symptoms of heartworm disease vary among dogs, it would be best that a veterinarian check your dog to evaluate a final analysis. Early treatment is vital. Most dogs show visible symptoms only when the disease has reached the point where it would be almost improbable to be cured by treatment.

    To help you see early symptoms and to hopefully save your dog, look out for these signs: Dogs that have been quite active usually tend to be tired easily. Dogs that would have been otherwise healthy usually gasp for breath. Coughing of your dog has suddenly become a common occurrence. Dogs bred for hunting could no longer keep up with rapid chases and usually fall from exhaustion. In some rare instances, the dog experiences convulsions, jaundice, and problems in the vision. Before it dies, the dog experiences emaciation. often precedes death. Who gets infected by the heartworm infection? Previously, it was thought that only dogs that were long haired were more resistant to heartworms because of the high difficulty of mosquitoes (which bring the worms) to penetrate through the dogs' hair. Since then, it has been proven that this was not true. Mosquitoes even have a hard time penetrating through short haired dogs. Actually, mosquitoes feed on the abdominal region of the dog. That is why both long haired and short haired dogs are susceptible to an infection, since both types have little hair on this region. Some mosquitoes also feed on the muzzle area or the ears where the dog's hair is quite matted down. Can heartworm infection be treated? Heartworm infection can be treated through chemical therapy if diagnosed early. Most of the chemical treatments kill the worms over some period of time. Killing all the worms in one swoop is no better: If all the heartworms were killed in just one treatment, the dead bodies would deposit in the lungs and kill the dog. Remember also that the chemicals used in treating the worms are also as dangerous to your dog as the worms. That is why treating the disease using chemical therapy should be used with utmost care and should be handled by a veterinarian. There also cases when surgery is needed. In most cases, this can be a feasible option. Consult with the veterinarian about surgical correction or any other method that can cure the infection. There are also drugs that could prevent your dog from getting heartworms. These drugs attack the parasite in its early stages and stop the worms from being full blown adults later. This doesn't mean that your dog would be free from infection. This only means that dogs can still get infected during the season of mosquitoes and yet remain unscathed of heartworms. Preventative medication using drugs, on the other hand, can cause serious complications if your dog already has heartworm infections in a higher level. That is why the use of drugs should be under the supervision of veterinarians. Taking drugs are also combined with regular blood texts. This has shown to be quite effective in saving many dogs with heartworm infection. In order for your dog to avoid heartworm infection, protect your pet from mosquito bites especially if there is a high mosquito population in your area or if it is mosquito season. You might want to screen the sleeping quarters of your dogs to avoid repeated bites. Repellent sprays can also be used, but these only have limited effects. You might also want to consult your vet fro preventive medication. In addition, you might want regular blood tests on your dog to assess early symptoms of infection. This is quite tricky, especially if the symptoms of heartworm infection could not be seen immediately. In short, your dog which looked healthy may be having early symptoms of heartworm infection. It would be best that you have him checked y your vet..



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    Understanding Laptop Batteries

     

    Laptop batteries come in a plethora of styles and makes. Depending on the particular laptop one has and personal preferences based on particular needs, the laptop battery has endless possibilities! Laptop batteries are virtual power packs with an extended lifespan but requiring constant attention and periodic recharging. Of course, each laptop battery is different, so it’s important to learn as much beforehand about what kind of laptop battery is needed and what its specifications are. Laptop batteries, like everything else, have particular conditions to consider based on the style, make, size, and purpose of the laptop battery. The types of laptop batteries are endless. Some examples are as follows: IBM ThinkPad Ni MH, Compaq Presario R3000/4000 CA/CL Li Ion, and Hitachi Pro 7000 Li Ion, just to name a few. Each of these Laptop batteries is designed for a particular system having certain features. It is believed that Lithium charged laptop batteries are the highest quality. Therefore Lithium Ion laptop batteries are a sure thing with long life. Most laptop batteries are Lithium Ion charged. Lithium, a soft, silver white metallic element, is a common charging element that powers laptops with fast speed, reception, and interface response. Still, some points on laptop battery recharging and maintenance are important to know to maximize the laptop battery lifespan. First, the laptop shouldn’t be locked in a hot space for a long period of time. Ideally, a temperature somewhere between 50F and 95F would be appropriate and safe. Along the other metric system, between 10C and 35C is about right. Specifically, 22C should be the temperature sought. In regards to recharging, fully charge the laptop battery when plugging in for the first time. Lithium based batteries should be constantly and properly maintained in order to keep the electrons moving. This keeps the charge active for as long as possible. Next, the laptop battery should be charged and recharged periodically, and that should never stop. Finally, laptop batteries should be stored with a 50% charge. Ironically, storing a laptop battery at full charge for an extended period of time will cause it to lose some capacity. Moderation is the key to properly maintaining laptop batteries! Whatever laptop battery is required, “charging up” on the specifications beforehand and knowing what is needed is a great start. These laptop batteries cost anywhere from $90.00 to $200.00, depending, so buying the right one will save a lot of time and money.



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    Facts On Opalescence Teeth Whitening System

     

    Facts on Opalescence Teeth Whitening System People like their pearly whites to be both pearly and white. It sounds lame but it is true. People love to take care of their teeth. One might even say that people are particularly vain concerning their teeth. This is because when meeting people, the teeth are definitely the first thing to get noticed. We smile in order to show people a glimpse of our soul. There are people who depend on their smiles for their living. This is the reason behind the success of such products as the Opalescence teeth whitening system. The Opalescence teeth whitening system lets people take the system home and do the whitening themselves. This might seem like unnecessary work for some people, but for others, it means convenience. People today do not have the time to go to the dentist for teeth whitening. Some just choose to get a tan instead of having their teeth whitened. This is the reason why the Opalescence teeth whitening system is so sought after. Convenience is one of the things that people look for today. How does the Opalescence teeth whitening system work? First of all, you have to know that the Opalescence teeth whitening system is a professional grade bleaching system. This means that it can whiten your teeth faster than other over the counter teeth whitening systems. This is because of the fact that most over the counter teeth whitening systems contain only about 3 to 10 percent hydrogen peroxide. However, the Opalescence teeth whitening system has a 38 percent concentration of hydrogen peroxide. While most teeth whitening systems today require the use of a bleaching light in order to “activate” the product, the Opalescence teeth whitening system is the first product which lists the use of the light as “optional”. People like this because it is often the case that the cost of the bleaching light is undeniably higher than the cost of the actual product. Another interesting fact about this is that lately, many dentists are finding out that the “studies” regarding the use of bleaching lights rarely do prove that the light is needed to activate the hydrogen peroxide. Although you can take the Opalescence teeth whitening system home, it is still advisable that you get a professional to whiten your teeth. This is because the Opalescence teeth whitening system works best when in the hands of a professional. About 90 minutes is required from preparation to the actual procedure. Think of it: just one and a half hours for you to have whiter teeth! Besides giving you whiter teeth, the opalescence teeth whitening system also gives you other benefits. While some teeth bleaching systems may give you sensitive teeth and thus, forever deny you the pleasure of eating ice cream, the opalescence teeth whitening system actually minimizes sensitivity. This means that you do not have to sacrifice the pleasure of eating certain foods in order to have a great smile. Another complaint that people have with common bleaching agents is the fact that these often cause teeth to become vulnerable to cavities. However, the opalescence teeth whitening system actually strengthens the enamel, making it harder and decreases the likelihood of cavities. The opalescence teeth whitening system can give great benefits to whoever uses the product. You get whiter teeth in a way that’s convenient and painless. So what are you waiting for?



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    Rapid Growth In Online Shopping In Uk

     

    Many opinions have been formed about the rapid growth in online shopping in the United Kingdom. This growth is due, in some degree, to the number of people that reside in Great Britain. With such a large population, retail sales are always projected to be large, but when people considered the level of interest in online shopping, they never thought the rapid growth in online shopping in UK would be so fast, or so successful. The rapid growth in online shopping in the UK is due in part to affiliate programs that help drive Internet shoppers into certain online retail establishments. The affiliate programs are normally organized by websites that have a good relationship with the retail business that they forward business traffic to. They only want to show their customers other retail establishments that can give them the same kind of service that they receive where they are currently shopping. These referrals might require a fee as well, but for the most part, a considered a professional courtesy. The rapid growth in online shopping in the UK is urged forward by friendly smiles expressed through correspondence and great customer service that is given by products being delivered as promised. It would not do well for either business to provide their customers with anything less. Increased marketing efforts have spurred the rapid growth in online shopping in UK. People routinely fill out surveys to let major merchandisers know what products they are interested in buying in the near future. These items are then marketed directly to demographic locations to entice people to buy sooner or in larger quantities than originally stated on their survey. While slow product sales are based on cold weather conditions that keep people out of the market place in the brick and mortar styled retail establishments, the convenience of shopping on the Internet, in the cozy comforts found at home, and the added benefit of having those items delivered to the front doorstep without ever leaving home, are what has made the rapid online growth in online shopping in UK possible. Some retail establishments are grossing retail sales that are more than 31% of the sales that were achieved in 2005. These record breaking sales figures have inspired investors to offer more monies to companies to help them continue on with their current growth trend. People tend to buy in larger quantities on the Internet, and order sizes in some business establishments have increased by 17% or more. Week by week, revenue statistics are plotted to keep track of the rapid growth in online shopping in UK. Some top internet retail businesses have enjoyed revenue increases that have reached 28% in some online locations. These retailers sell many products, but apparel and accessories are some of the most widely purchased items. As the rapid growth in online shopping in UK continues, further focus will be placed on increasing marketing efforts to guide people to other online retail establishments. The online shopping arena is very expandable, and people shop online not only in the UK, but throughout the world.



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    Be Seen In Article Marketing

     

    Have you ever searched for anything on the Web? Chances are you have. Do you tend to click on sites that appear at the top most of the page or on the first page, in general? More often than not, you do. This is because we are assured that the first few sites that come out on the first page of your search engine contains the bulk of what you are looking for. Much is the same for Article Marketing. Many of the consumers looking for articles know that those sites that appear first are the quality sites. Let's break down "quality sites"? Quality sites are those who have received a high score and thus have been given a high page rank by Search Engine Optimizers. Quality sites are also those who generate a hefty amount of traffic over a period of time. As more people have seen your articles, the better the review for your article market. Let's not deny the fact that when people observe that you have a large amount of accounted for visits for your article, the interest of the people rises. As interest is raised, traffic is generated. If you have more to offer to these consumers and if you are able to maintain this interest, then like the snowball technique, people’s referral to your site will just go on and on. But how is this done? If you are starting out, you may not know just where to begin in order to reach that level of exposure you are aiming for. How does an ordinary site become a quality site? When an ordinary site becomes a quality site, a number of factors have to be considered. First, you have to have a catchy phrase as your title. Make sure though, that the content of your article can be summarized in that one catchy phrase and serve as your title. In this manner, your consumers won’t have to tire themselves of browsing over the length of your article just to see the point you’re trying to make. Consumers want quick results, and having a catchy and informative title will do the trick. Second, is to generate the necessary amount of traffic. Who would’ve thought that traffic would ever be appreciated? Apparently, in Article Marketing, it highly is. Generating traffic can be easy but it would take several steps. The first step is to distribute your articles. The easiest method is by handing them over to several article directories. These article directories, easily accessible on the web, would be able to give your article as much exposure as possible. Yet, another way for you to accumulate traffic is by having link partners. These link partners would not hesitate to publish your work if they see that they can benefit from it as well. If they assess that your articles have the content that can attract consumers, then they will accept the opportunity. This is because, if the readers of your article enjoyed the content, it is likely that they will also visit the links available on your article. These visits will benefit those link partners. Another approach to making sure your articles are distributed is by joining several forum sites. These sites have to have some relation to what you’re trying to pitch in your article, because if the forum notices the relativity of your content, then they may just allow you to publish your articles on their sites. Distributing your articles as newsletters may also serve you well. But in order for you to issue these as newsletters, you have to have worked up an email list worth sending newsletters to and an email list consisting of audiences who would be interested by the content of your article. Make sure that your articles are distributed to as many publishers as possible. This may serve as another approach to generating traffic. If you send them to only one publisher and wait for the results, your waiting may have ended in vain. So take the initiative and distribute them yourself. The higher responses you have from these publishers, the better chances you have of producing traffic. Lastly, in distributing articles, specific audiences have to be targeted. If you know who your audience is, you would have a better chance of formulating an article that would hold your audience’s interest. Be aware of your audiences’ accessibility to the Web, as well. If most of your articles are targeted to audiences who have few connections to the Internet, you won’t be generating that much traffic and hence you won’t be seen from the immense competition in the domain. These are generally the ideas that can be used to assure the exposure of your article to a number of consumers. At the same time, you won’t have to worry of the costs because most of the methods mentioned, offer free advertising. If some of the means you have employed to distribute your articles may require some cash, just think of it as an investment. In Article Marketing, as long as you stay with the idea, you will be raking in profits in time.



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    Ski Vacations On A Budget 192

     

    Ski Vacations on a Budget When you start thinking about ski vacations, you will find a lot of information about various resorts and packages. Finding terrific vacation spots isn't difficult, however, finding ski vacations that fit into your budget can be a challenge. To save money, look for lesser known resorts. This doesn’t mean that these resorts won’t provide you with a fun vacation – it simply means that they aren’t quite as well known as other resorts, and therefore, the prices may be a great cheaper. Also look for ski vacation packages that will include your lodging, lift tickets, lessons, rentals, and possibly even some meals. Be willing to make some sacrifices if money is a real issue. For instance, instead of eating in an expensive restaurant each night, eat cheaper fast food, or make sandwiches in your room. Borrow equipment from friends instead of renting it. Join a group for lessons instead of taking private lessons. Don’t stay at a lodge, stay at a motel farther away from the slopes if necessary. There are numerous ways that you can cut down on the expense of your ski trip. It is all about the powder after all! (word count 192) PPPPP



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    Targeted Traffic Widen Your Target

     

    If you can imagine 3 concentric circles that look like a shooting target, this represents our visitors. If you fire a shotgun accurately, it will make a cluster of pellets in the middle with a number of pellets in the middle and outer rings. This represents the visitors to our website. The inner circles represents those in our niche, the middle those not in our niche but contain similar interests to those in our niche. The outer ring is less targeted and the customer has a less chance of being interested in your niche. If we use Rapidforex as an example, this website promotes a Foreign Exchange Trading Course, arguably the best available. Targeted visitors would be interested in material about Forex. Less targeted in themiddle ring would be after stocks, options and bonds type of investments and the outer ring might represent those after any kind of money making website. The first type are easier to sell to because they’re already after information on this topic. The middle ring may not know much about Forex but still be interested to learn. In this case accessing the free material and then frequent emailing will build up rappore until they may be ready to buy. The outer ring are visitors that may be interested but there’s much less chance so we don’t focus on attracting them at all. People outside the outer ring are random visitors and although you may make the occasional sale, it’s not worth putting effort into attracting more random visitors. It’s a good idea to have a sequel to your product to maximise the earning potential of your email lists. Choose from the inner ring if possible and then you can choose a product from a similar niche so that you attract customers from your niche aswell as new customers. This is how to widen your target. For example if we take the establishment of the Internetprofitmentor. com website, it is about making profitable internet marketing websites, the middle ring might represent home based business opportunities and the outer ring any money making websites. There’s now an overlap between this website and the Forex website. We can now mail customers of the Forex website and attract new customers interested in internet marketing and home based business. A great way to widen the target. It’s all about adding value to your customers. Widening your target helps do that.



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    Credit Card Questions And Answers

     

    How long is the grace period? The grace period is the number of days you have to pay your bill in full without triggering a finance charge. For example, the credit card company may say that you have “25 days from the statement date, provided you paid your previous balance in full by the due date.” The statement date is given on the bill. The grace period usually applies only to new purchases. Most credit cards do not give a grace period for cash advances and balance transfers. Instead, interest charges start right away. If you carried over any part of your balance from the preceding month, you may not have a grace period for new purchases. Instead, you may be charged interest as soon as you make a purchase (in addition to being charged interest on the earlier balance you have not paid off). Look on the credit card application for information about the “method of computing the balance for purchases” to see if new purchases are included or excluded. Information on methods of computing the balance is in the section “How is the finance charge calculated?” How is the finance charge calculated? The finance charge is the dollar amount you pay to use credit. The amount depends in part on your outstanding balance and the APR. Credit card companies use one of several methods to calculate the outstanding balance. The method can make a big difference in the finance charge you’ll pay. Your outstanding balance may be calculated Over one billing cycle or two, Using the adjusted balance, the average daily balance, or the previous balance, and Including or excluding new purchases in the balance. Depending on the balance you carry and the timing of your purchases and payments, you’ll usually have a lower finance charge with one cycle billing and either The average daily balance method excluding new purchases, The adjusted balance method or the previous balance method. What is the minimum finance charge? Some credit cards have a minimum finance charge. You’ll be charged that minimum even if the calculated amount of your finance charge is less. For example, your finance charge may be calculated to be 35ў but if the company’s minimum finance charge is $1.00, you’ll pay $1.00. A minimum finance charge usually applies only when you must pay a finance charge that is, when you carry over a balance from one billing cycle to the next. What are the fees? Most credit cards charge fees under certain circumstances: Annual fee (sometimes billed monthly). Charged for having the card Cash advance fee. Charged when you use the card for a cash advance; may be a flat fee (for example, $3.00) or a percentage of the cash advance (for example, 3%) Balance transfer fee. Charged when you transfer a balance from another credit card (Your credit card company may send you “checks” to pay off the other card. The balance is transferred when you use one of these checks to pay the amount due on the other card.) Late payment fee. Charged if your payment is received after the due date Over the credit limit fee. Charged if you go over your credit limit Credit limit increase fee. Charged if you ask for an increase in your credit limit Set up fee. Charged when a new credit card account is opened Return item fee. Charged if you pay your bill by check and the check is returned for non sufficient funds (that is, your check bounces) Other fees. Some credit card companies charge a fee if you pay by telephone (that is, if you arrange by phone for payment to be transferred from your bank to the company) or to cover the costs of reporting to credit bureaus, reviewing your account, or providing other customer services. Read the information in your credit card agreement to see if there are other fees and charges. What are the cash advance features? Some credit cards let you borrow cash in addition to making purchases on credit. Most credit card companies treat these cash advances and your purchases differently. If you plan to use your card for cash advances, look for information about Access. Most credit cards let you use an ATM to get a cash advance. Or the credit card company may send you “checks” that you can write to get the cash advance. APR. The APR for cash advances may be higher than the APR for purchases. Fees. The credit card company may charge a fee in addition to the interest you will pay on the amount advanced. Limits. Some credit cards limit cash advances to a dollar amount (for example, $200 per cash advance or $500 per week) or a portion of your credit limit (for example, 75% of your available credit limit). How payments are credited. Many credit card companies apply your payments to purchases first and then to cash advances. Read your credit card agreement to learn how your payments will be credited. How much is the credit limit? The credit limit is the maximum total amount for purchases, cash advances, balance transfers, fees, and finance charges you may charge on your credit card. If you go over this limit, you may have to pay an “over the credit limit fee.” What kind of card is it? Most credit card companies offer several kinds of cards: Secured cards, which require a security deposit. The larger the security deposit, the higher the credit limit. Secured cards are usually offered to people who have limited credit records people who are just starting out or who have had trouble with credit in the past. Regular cards, which do not require a security deposit and have just a few features. Most regular cards have higher credit limits than secured cards but lower credit limits than premium cards. Premium cards (gold, platinum, titanium), which offer higher credit limits and usually have extra features for example, product warranties, travel insurance, or emergency services. Does the card offer incentives and other features? Many credit card companies offer incentives to use the card and other special features: Rebates (money back) on the purchases you make Frequent flier miles or phone call minutes Additional warranty coverage for the items you purchase Car rental insurance Travel accident insurance or travel related discounts Credit card registration, to help if your wallet or purse is lost or stolen and you need to report that all your credit cards are missing Credit cards may also offer, for a price, Insurance to cover the payments on your credit card balance if you become unemployed or disabled, or die. Premiums are usually due monthly, making it easy to cancel if the payments are higher than you want to pay or you decide you don’t need the insurance any longer. Insurance to cover the first $50 of charges if your card is lost or stolen. Under federal law, you are not responsible for charges over $50. Before you sign up to pay for any of these features, think carefully about whether it will be useful for you. Don’t pay for something you don’t want or don’t need.



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    Decision Making In A Home Based Online Business 1

     

    Why is Decision Making Important? This is the first in a series of short articles on decision making, as it may affect the progress, or otherwise, of your home based online business. The main purpose of the articles is to get you thinking, more than you might have done, about decisions that affect your business. It is not possible in short articles to cover what is really an endless subject, but I hope by the end of the series you will be more conscious of the decisions you make which may affect: 1.The profitability of your online business. 2.The scope for expansion. 3.Your efficiency. 4.The productive use of your time. 5.Your family. 6.Your enjoyment of working online. plus many other aspects of working at home online, in your own business. Why is decision making important? You only need to consider that for a moment to realize: that it is a dumb question. From the moment you wake, you are passing through a series of tens of thousands of little decisions. You are not very aware of most of them, they are routine, semi or sub conscious decisions. Any one of those “little” decisions could have a major influence on the future path of your life. For example, you are in a hurry and decide to cross the road at a certain point. A car comes hurtling around the corner, and knocks you into the air. Thankfully you are still alive after you land, but are taken to hospital and are there for a couple of weeks, at one point in Intensive Care. You are employed, but your employer is not sympathetic, will not pay you, and for a few days you lie there worrying about losing your job. You have no insurance, so how will you pay the bills? Was crossing the road at that point, at that time, a bad decision? On the face of it, yes, it was stupid to say the least. But what if, in the two weeks in hospital, you fall in love with a nurse? Later, you marry and have several wonderful children? Was that still a bad decision, crossing the road then and there? Not only did you meet your future spouse, the person in the next bed turned out to have some good business ideas they wanted to put into practice. You got chatting about them as your condition started to improve. The two of you found you saw eye to eye on lots of things, and it was clear that you would both benefit from the synergy of working together on a business project. The other person had the ideas and money in place, but needed you as a partner to take it forward. When you were both fit and well again, he subsidized you while the business was set up. It prospered, and within months you were earning 4 times your previous income. Was that still a bad decision, crossing the road then and there? That is fiction, but is it unrealistic fiction? No. There are probably many thousands of very similar stories. And there are countless millions of true stories about seemingly little decisions that have altered the course of people’s lives. What I have been referring to are almost random events. I say “almost” because the decision to cross the road was not random. An adult crossing the road like that had sufficient information to make a correct decision. They did not make use of their knowledge and information. As decision making goes, it was a bad decision, regardless of what random events followed. Making decisions in your every day business needs to be more focused, more scientific, and much more aware, than you may have been used to in your life as an employee. Most of us have, at some stage, passed through a zombie like existence of repetition, working for a company or other organization. It may even be that you have had little scope to make decisions other than when and where to cross the road, what to eat for dinner, what to watch on tv, and what to wear today. Now, though, with your own online business, there is massive scope for making key decisions, every day. How you do that will have a serious impact on the future of your business. I believe that just by being more conscious of your decisions, your business will benefit, and so will you. Relying on the business equivalent of crossing the road at the wrong time, meeting the love of your life and your perfect business partner, is not an option if your are serious about your business. You cannot rely on random events, although undoubtedly some random events will affect you in the future. Business is often a percentage game, and you want to make decisions that tilt the odds in your favour. Decision making in business is about bringing together as much relevant information as possible, in a structured and understandable way, and consciously reviewing that information before arriving at a decision. It is about assessing possible outcomes, probabilities, future trends, past experiences and all other relevant factors. Ignoring those factors may not put you in hospital, but would harm your business. I will cover elements of business decision making in future articles. In the mean time, if you are in search of a new loved one and business partner, please do not step out in front of a car. Your local hospital may not be the place where they are currently waiting for you.



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