Book Review - Why are we so Clueless about the stock market?

Are you in the dark about the stock market? If so, or if you are not sure, Mariusz Skonieczny's book is for you. Why are we so Clueless on the stock market? is a quick read of 150 pages that focuses on the principles expressed by some of the most successful investors in the world. MagicDiligence recommends the book for both new investors and experienced investors who are looking to "get back to basics".

First chapters of the book covers a fact that often gets lost in the din of the forecasts of trend following technical and macro-economic: under a title is a business, and the result of these activities determines the outcome of an investment in its stock, the long term. Skonieczny briefly outlines what a business, and then talks about how a business creates wealth for its owners. For companies listed on public markets, the owners are equity investors. I liked how the book follows the example of a master lemonade stand, starting with "why start the stand"? The answer, of course, is to earn a better return on investment of capital that can be achieved through alternative solutions, such as a savings account. The author then goes through the factors that can erode the returns on capital, particularly competition, and how to have an economic moat protects against this.

Subsequent chapters cover the other points that investors should consider, such as diversification, broader economic trends, investment and more IPOs. MagicDiligence found most useful of these chapters to be those related to the assessment, complete a series of discrete, real-business examples. Mariusz has a slightly different method for inventory valuation and then discounted the traditional method of discounting free cash flows. Is done in a similar way, though. An investor with his method should use a range of expected growth rates, estimated a final P / E ratio, assign a required return (discount rate), and also estimate a payout of dividends over a period of 10 years. Using these, we can determine two components of the final return is the value of capital stock and dividends paid. Add these two together and you get a share price target. Using the range of targets, we compare against the current price to see if there is a significant safety margin. If there is, you buy.

These examples are very well documented too - the graphics of the book can be easily converted into a spreadsheet. Skonieczny also provides a little 'help, providing a "normal" range of discount rates, as well as using historical data to assign other values. I liked this approach. While the discounted cash flow free (DFCF) is the theoretically correct method for the value of a warehouse, in this way is concentrated on the estimation of the potential returns to real life. DFCF not really adjust to the realities of the stock market, as the average P / E ratios that differ by industry, or its payout of dividends between different companies.

Another chapter that I found particularly interesting described in a concise but complete as such, large reputable companies like Fannie Mae (FNM), Freddie Mac (FRE), AIG (AIG) and Long-Term Capital Management can implode in a matter of weeks. While the Magic Formula screens specifically financial companies such as these, which is absorbing reading about how debt can quickly destroy these companies. The explanation of leverage, why companies use it, and the dangers of using it was great.

Mariusz Skonieczny obviously shares many of the same influences as MagicDiligence. Why are we so Clueless ... corresponds exactly with Magic Formula Investing (MFI) using return on investment to determine what is a good deal and what is not. But the duration of that quality requires an analysis of the competitive advantages that this book and MagicDiligence believe is best explained in Pat Dorsey two books (The little book that builds wealth and the five rules for successful stock investment) by factors As regulatory barriers, unique goods, and economies of scale. MFI shorthand for the evaluation, the final performance gains can also be improved with a future-oriented examination like in the book. If the final performance gains is not sustainable, or if the earnings yield is not outside the realm of historical evaluation, the title can not be that cheap. This type of analysis to protect investors magic formula to buy into "value traps".

Finally, the brevity of the book may be its single greatest asset. Commonly cited investing primer, such as security analysis of Ben Graham, are, frankly, very long and mostly boring reads, whose salient points were extracted and compiled effectively in numerous shorter books, including this. Keeping the focus and not getting too technical, Skonieczny presents only the important parts of successful investment fundamental. For beginning investors, this is a very good background. Experienced investors value can not find a lot of new material here, but it's still a good refresher for staying the course ....

Southern California Individual Health Insurance Quote - Low Cost Online Quotes

Looking at low-cost Southern California individual health insurance quotes online? This article will give you some basic information about health insurance Southern California, then you give link at the end where you can get cheap California health insurance quotes instantly!

California Health Insurance Plans

Choose from all the different health insurance plans can be a real pain. There is a plan most suitable for everyone. A good program for a family, can not be a good plan for you. In order to help narrow down your choices for health insurance, here are some items to pay particular attention to.

This is a Biggie. The annual amount of the deduction. For an individual, deductibles can range from $ 500 to $ 5000 a year. The amount you choose will make a huge difference in the monthly premium to pay. If you plan to stay in relatively good health, a (HDHP) Health Plan High Deductible can be a good choice for you.

For others who need healthcare the most frequent, a lower deductible would be the best choice. With a little time to study health plans, you will be able to make a better decision before buying. Today's health insurance plans to offer greater flexibility than ever before. You can take a basic plan, adding preventive care benefits, and do a complete low-cost health plan that is right for you.

California Health Insurance Quotes

One of the best ways to learn more about California health insurance is to go to an insurance quote website and request free quotes. Immediately after you complete their short form, you will have lower cost HSA, HMO, PPO, and POS quotes while still online. Once you have your quotes, compare plans and visit their websites for more detailed information .......

Investing - Options Trading Basics

The options can be a good way to invest your money, even if they are not rich to begin with. If you already have a basic knowledge of trading in shares and bonds, you are well aware of the wide range of strategies that can be used. Everything from the basic buy and hold for those using complicated technical methods of analysis are used. Similarly, there is a similar series of strategies, which can be used for the exchange of options.

Essentially, the options are contracts giving the right to buy or sell a specific stock, bond or other underlying instrument at a particular pre-determined price within a specified timeframe. Options, which give an investor the right to purchase, are known as call options, while those that give the right to sell put options.

The investor may act at any time up to and including the expiration date, if one takes what is known as an option "American", while those known as "European" options may be granted an effective date. There is no real geographical difference in these types of multiple options, even though they historically belong to the United States and Europe. American options are often used for stocks or bonds, while the European versions are commonly used for indexes.

The date usually falls on Saturday after the third Friday of the month in which the option contract. Since most investors will be able to contact a broker on Saturday, and U.S. exchanges closed, the due date will actually be the third Friday of the month.

With an investment in an American style option, for example, an option in shares, there are two possible outcomes. The investors can wait for the expiration date, or may act before the option is mature. (Obviously, for a European style option there is no such decision to be made). Many investors do not wait for the expiration date before you do anything, no matter what option they have.

A typical choice will be for a hundred lots of action. If the investor is buying a call (right to buy) option for two dollars in a way that has a strike price of twenty dollars, then this will cost them (2 + 25) x 100 U.S. dollars, which is $ 2700 , plus commissions. As long as the market price is higher at twenty dollars, the investor is doing well.

If the investor believes that the price has reached its peak before the due date, it is unlikely to recover again, and is especially twenty-seven U.S. dollars, which then can sell quickly and make a good profit.

It can also be sensitive to sell before maturity if the price is lower than the strike price and is likely to continue to decline, or is already very close to the expiration date and probably will not be able to recover. Leaving early can reduce the overall loss. E 'can use this loss to offset capital gains tax too.

There is a third choice, and instead to act before the expiration date or waiting for the option to reach maturity. The option is the ability to buy or sell, but does not require the investor to do so. The contract may be allowed to expire, no action or before the due date. Can result when a minor loss to let the option expire instead of using it. There is no obligation to make your purchase or sale of rights, as opposed to when you put your money in the future. Whether or not it is a good idea to give your law depends on a number of factors such as the strike price, the market price and the premium.

As with any investment, options involve risk. The rise and fall of stock prices and other underlying instruments occur unpredictably unpredictable periods of time. The price of an option can vary over time based on these fluctuations and the length of time remaining before expiration. The expiry date is an important feature of trading options, such as its distance in time to influence investor decisions .......

How to do a lot of money and generate cash flow when you're broke

I am proud of you who have decided to read this article. These methods had helped me a lot, especially when I was in college. Many of you have written me and asked me how to make money and how to generate extra money when it is broken. So many of you are still in school and a lot of employers just want to give a minimum wage and can barely survive on minimum wage. Some of you are working hard every day and live from paycheck to paycheck.

I can relate to what you're experiencing now, so hard and be ready to see big and positive changes in your life today after reading this article!

I used to save remaining food from the canteen where I worked in college, so I could survive, because they do not have the money to buy food that summer. I had to borrow money to buy my super-expensive college textbooks. So I can understand what you're going through right now.

Listen carefully to this, you can change your income significantly, and your life by changing your daily habits. You must be willing to change! You must be willing to work hard to make the changes.

It does not take an intelligent people to understand because they go broke. It means that our spending is more than what they earn. People go broke because their expenses are higher than their income!

The first thing I want to do when you're broke is to start writing your expenses on a piece of paper down to every penny of it. It's called, reviewing the equity. Want to know how much money in your bank accounts and your wallet!

You must write your expenses, income, and this is a must! You can trace what he can not see. Please listen to this, start learning how to keep track of expenses and revenue! Having a small book or a PDA with you all the time to write down your expenses and income.

You need to know how much money they have and if they have no time, you need to know how much money you want to have in the future. Make sure you write a reasonable goal that can be obtained, as from 30-Oct-I $ 300 in my savings account, and from 30 December, I will have $ 600 in my savings, and so on. Believe me, when you know that your goals and target and you know where you're going, that will give you the motivation to go there!

Now get ready for life changing methods that can help out your challenges and tests. These are the methods that will help you to change the level of income!

1. You must change your daily routine!

I like what the Bible says, "watch and observe the ants." Why would I want to watch and observe the ants? The reason why you want to be like ants, the ants are not lazy! They work day in and out, are willing to save some 'food for the winter working very hard in the summer. Believe it or not, the ants do not eat more than you earn. They know how much food to give to their colony, they know how much food they need, so you can have enough food to eat for everyone in their colony of ants. The willingness to work hard to get the food they need for the winter, even when it comes to sacrifice their lives for the life of their colony. That is why sometimes; ants will frustrate you, because they continue to come to your house until you are sure to have enough supply for every ant in their colony. They stop coming to get food when they know they have a lot of food to survive during the winter.

Listen, your time is the most valuable thing you and I! We can exchange our time to solve the problem of money for someone. Find what you're good at and use your time, talents and gifts to start making money for you.

I was good at computers, so I loaded the students and faculty of the school, if I want to fix their computers.

Early in the morning and use the day wisely to make money. Have you ever noticed that people who sleep too much and people who watch TV and movies do not have too much money? The reason we do not have much money, because they are not willing to trade their time for the money they need. They waste their time for something that will make them rich. Your time is like the energy in a battery, sooner or later will run out of it, if you do not know hot to use it wisely.

So, get up! Stop being lazy! The rich and the poor both have 24 hours a day, 7 days a week, that the rich have more hours than the poor, but what makes a big difference is the way they use their time to create wealth!

Vai to work an hour earlier and go home an hour late. You have to work harder to regulate and smarter than anyone else! Most people like to come late and leave early, that's why they are poor.

If you own your own business, be sure to give your customers the best for the dollars! It makes them want to do more business with you in the future. The next time you are tempted to waste your time, think twice!

Your everyday habits will determine your future and what you do today to decide what is coming to you in the future.

2. You must learn how to sell!

I used to buy lots of computer parts cheaply and on UBID.com EBAY.com and sold them to students who needed computer parts. Before I bought them, I asked several students if they buy computer parts from me when I got them. When I had buyers for the products, then I bought them cheap at auction sites and sell higher than the cost of their purchase.

You should be aware of the trend in your school! I remember the day when the network connection T1 was popular in our school. I sold the network cards like cakes, because back then not every computer has a network card. How about iPod? See how many people have an iPod and start selling the iPod case, covers and accessories!

Keep your eyes open to the latest trend and new things that are in your area!

You must learn to sell. Many students are hungry at night, so I made a little 'food in my fridge and sold them to people who do not have a car to go to the store!

Read books and listen to the tapes that teach you how to sell better. Use your mind to think of ways to make money.

Making a DVD rental in your dorm room! You can buy 100 DVDs on Ebay for $ 100 and make your place for rent in your dorm room! Charge students $ 1 for a day to rent the DVD! Make sure not to steal your DVD! Keep track of people who rent DVDs. 100 students to rent the movie, which is $ 100/day!

You can also start using the Internet to generate money by selling on Ebay! Ebay is a great money making tool I'm using to generate extra income these days. Learn how to make money on the Internet. Investing your time and money to learn more about ways to make money on the Internet.

I do not care how well computers, web design or to make up, but if you can not sell your skills, you will not make money in your capabilities. You must learn to sell and market their skills and learn to be good at selling.

You see, when you use the mind to think, a lot of ways to make money can come to your mind and you will never be broken ever again in your life! A lot of people are broke because they do not use their minds to think!

3. Invest 10% of your money in skills that can help create more money!

When I got to college, I did not know how to do web design and how to develop a website, but I used 10% of my income to buy books that teach me to be a web designer and developer! I took my time to develop my skills to become a web developer! Within a year of learning, I started building websites for other people on campus and have higher incomes than the rest of college students.

You need to invest in other skills that will help you make more money. If you want to make up, well you may want to invest books about becoming a makeup artist! You can charge people to do their hair and make up for them when they want to go to a party and other special events. I know a guy in college who has made money by cutting hair. You pay $ 8 for a haircut, while Super Cut pay $ 15. So people came to him for a haircut.

I knew that some students who have made painting the house to the other people in the community on weekends.

There are thousands of ways to make money when you're broke, just find the right kind of skills for you and the will to act and do it.

4. Exercise, eat well and stay healthy.

Your mind is your most powerful you will ever have in your lifetime. Your mind can help to create wealth! Then listen, "stop the body and mind!" Eating healthy, exercising and getting enough rest.

I learned that when I feel good, I think well. I can think of ways to make money when I feel good about myself.

How can you think when you have a heat pack on his head, a thermometer in your mouth and a blanket over your body? When you're sick, you can not use your mind to think! So make sure you stay healthy and well!

I remember one of my martial arts masters told me to drink alcohol. When you are drunk! You can also fight defend yourself! So how can you think of ways to get rich when you're drunk! The best way to be ready for a fight must be sober. The best time for you to think about is, when you're sober. If you like to drink lots of alcohol, you may want to consider quiting your drinking habits.

Take care of yourself and be good to you and your body. Keep your body and mind healthy and well, so they can help you think well.

5. You have to believe that circumstances today are only temporary, they will change!

High achievers do not look at their current situation, but always consider how they can be in the future. Look, you might think that your situation will never change. When you go through some trials and financial challenges, you can feel like you are not making any progress in your life, but believe me, it's only temporary. Try to extract the wisdom and understanding from the trials and challenges that are facing right now. When hard times hit us, our mind will be forced to think.

I got my motivation to work hard when I have food to eat that summer in college, my stomach was hungry, and I had to eat food remnants. I have not had a car for 6 years, believe me, it was tough, when you had to ask your friends to accompany you everywhere when you need to go somewhere.

I swore to myself that I will work hard to achieve my goals and dreams. I realized that no other body would help me except myself. I was the one who was responsible for my destiny and life. I was the one who could change my life. I swore to myself that I would work hard to have patience and determination, the will to change my daily habits, in the future, I have to eat the food left over, I can drive any car I want, and my place to live.

If you believe in God, it's time for you to kneel on my knees and really spend time with him. Pray about it, ask God to bring the wisdom and financial prosperity in your life! Do not be afraid to ask the Lord for a blessing! He is God who created you, He is the God who will give you strength, courage and wisdom to move forward! Create a special moment for you to talk to God and pray every day!

I believe in you are my friend, I believe in you! As you sit there now, I want to see yourself as someone special with a special gift and talent that can be used to get you out of trouble! The best days of your life are right in front of you! May not be able to see the days in front of you! But have faith! Have faith! You can do great things in your life! You can make a difference in your life! You have the strength and power to make your life better! I believe in you're my friend! I believe in you! Get up, get up and walk tall! Are you with a great mind to think! Your mind can help so many ways to set you free! Get up and stand my friend!

Say to yourself out loud right now as you read this aloud to repeat after me "I can change my life! I can go through this process that I'm living, I will stand tall, and will not be defeated by these tests and challenges, I am special, I am unique, and I think the best days than I have in front of me! Everything will be alright, now I swear that I will give my best to work hard for my future! I not be lazy! I will form good habits everyday now! I will not lie to myself again, when I say I will, I will, tomorrow will be a new day, and I confidently face tomorrow be a new day for me! "

Tip: How do you $ 40/hour? When I was in college I lived in a dorm and I noticed some of the guys were lazy to wash their clothes. Listen to this story carefully. So I asked them if I could do laundry for them for $ 40/hour, believe me or not, some of them were willing to give me $ 40/hour to do the laundry. Some of you may say: "I do not want someone else to do laundry." I know, but while the rest of the campus made only $ 4.25/hour, while I was making $ 40/hour. It took nine hours and a half for everyone else that he was embarrassed for the laundry of other people to make $ 40. Can you imagine how much money you have if there are nine people who want to wash clothes! 9 people * $ 40/hour = $ 360/hour. The point I'm trying to do is, you do not really need a job to make money! If you only know how to observe the needs of other people around you. You can serve the needs of those people make a lot of money.

I love each and everyone of you and with all my heart, I think you can do and you can start building your wealth today!...

Eagle Creek Centerline Load Warrior LT 30

I was looking for a discount on luggage or wheeled duffel bags in preparation for my well-deserved two week vacation away from work. Recently, the nearest shop tools travel began offering discount luggage and duffel bags wheels in anticipation of the holiday season. I'm just going on a trip of 2 weeks so I will not need a huge, bulky luggage. My options were limited to the duffel bags and since I do not like to carry a heavy load all the time, I had to go duffel bags with wheels. Of all the duffel bags discounted wheels on display, only one caught my attention: The Eagle Creek Centerline Load Warrior LT 30.

The Eagle Creek Centerline Load Warrior LT 30 is a bag with wheels for a relatively large duffel bag with his 59 linear inches (30 inches by 17 inches in size 12 inches). To help with its large, cleverly called the Warrior takes load compression straps to keep its entire cargo safely.

The seemingly large off-road wheels are integrated with a robust set of platforms, providing a smooth ride on all terrains and reliable. As an added bonus, a soft touch telescoping handle makes for a versatile and adjustable handle length.

Made with the intent to be compressed from one end, this bag duffle wheels is very similar to a book, making for an extremely easy access and packaging. It also has a handy laundry chute pocket, accessible from inside, designed to separate dirty clothes from clean, making it ideal for separating laundry from clothes reserved. There is also a lower compartment "boot", which is ideal for storing shoes and separating it from the clean dishes (my shoes seem to be too large for the compartment, but I guess other people with smaller feet may be useful for intended purpose).

Returning to its relatively large size, multiple handles have been designed in the Warrior load to make it easier to move. Comfortable handles are positioned on the top, bottom, and the center for an easy grip and go feature. This highly efficient large wheels worked fine when I tried it on ruts, uneven gravel outside the store, making it easy to roll and drag the bag around, especially with his balanced frame, which means it does not tip when left alone.

All in all, the Eagle Creek Centerline Load Warrior LT 30 is an ideal bag for short off wheels, 1 to 2 trips per week. Available in dark gray finish with silver handles and red tomatoes. I bought mine as a special discount store hand luggage and duffel bags promo wheels, but was told the clerk that is usually expressed in the midrange. Even at that price, all the features of the Eagle Creek Centerline Load Warrior LT 30 make it a reasonable purchase and well worth your money .......

Insurance Companies Listings and Evaluation guide for insurance agents and brokers

Here's the latest, revised version of the best listings of insurance companies. These are listed in a guide format top 100 votes. The lists are in alphabetical order to help insurance agents and brokers to find an insurer. Find out how your opinion compares. How do you rate an insurance company? I will mention briefly the various ways, showing the method I used for this article, and why.

NUMBER OF AGENTS

This guide lists evaluation method assesses the insurer on the number of insurance agents and brokers currently approved and under contract. with carriers. I think this assessment is not useful for a multitude of reasons. First of all there are a number of health career and life insurance agencies that have thousands of representatives. However, of these, up to 80% of the total agents are relatively new in the attempt to establish credibility in the industry. Four years down the line only 6% of many a force agency insurance company will keep the production needed to remain representatives of career.

Also, find out my results inaccuracy of this method due to the license renewal process state departments of insurance require the insurer. Most services state insurance renewal forms to send reports on an annual basis. There is a fee paid by each agent ins renewed. What makes it difficult is the variation of the bureaucratic procedures other than individual states to remove inactive reps ins. The paperwork consists of expensive, time consuming forms and procedures for the insurance company to make changes. Renew all sales representatives are often less expensive, and frequently takes the path to the insurer. This also gives the right of insurance companies to brag about how many sales people write for them.

Personally, I was shown in a state insurance department licensing records for 11 years after writing my last chance.

Insurance Co ANNOUNCEMENTS FINANCIAL RANKING
There are four or five best independent companies which use this assessment insurer of a society based on a multitude of financial factors. Much has to do with projecting the financial stability of the insurer. This is obtained by cutting closely past and present financial history. It covers areas such as investment insurance run, and the rate of return. An assessment of insurance also takes into account the amount of cash on hand, and what exists in reserves pay current and future claims.

There is a consensus among the members of the Life Insurance Association to believe that the highest rated insurers are the best of the bunch. However, members of the association representing less than 12% of the total base manufacturer. Insurance agents and other intermediaries, (the majority), I disagree that these are always the best to use for the needs of their customers. Logic tells you that a newer quality insurer has no past history to start ranking among the best. In my situation, customers have bought the one who presented it. Almost half the time it was the highest rated company by the rating agencies. But I sold to the customer what their emotional needs required. Many insurance companies with the best ranking in the past 100 after failed financially, and yet it often happens in today's world.

IN RANKING premiums earned

This is a very common type of listing and ranking insurance company for the production. Insurance companies are valued based on the total number of awards have collected that year. It seems rather unfair to mix with all annuity premiums in dollars raised. The producers know that is easier to sell an income $ 20,000 $ 20,000 premium of an insurance policy term. The other fault I find with the use of total premiums collected is with those who actually contributed a piece of premiums collected. With some companies a huge amount of these awards have not been collected from a normal person sales. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

RATING BE IMPORTANT FOR SELLERS health and life

This is my way. How fair and balanced in terms of representative as feasible. Premiums are collected from 1,500,000 agents, trying to make a living selling insurance policies in this area. Often these sales are made one by one. Moreover, of these independent brokers 450.00, semi-independent, agents and some repetitions of writing career, depending on which company, 50% to 100% of that activity co insurance.

This method of judgment is required because I find the list of insurance companies is intended to be a beneficial directory. One that independent brokers, semi-independent agents, along with some other career can apply. This directory is a guide for other insurers that you can consider writing production.

The list of insurance companies and guide for the first 100 votes are deliberately arranged in alphabetical order instead of the data or financial rewards. You may not completely agree with the list, because we have left some companies with a high percentage of business sold annuities and investment products.

In the eyes of a typical broker health and life, this guide is for health and life insurance companies is as accurate as possible.

1. Aetna 2. AIG Life Insurance Company ** 3. Allianz Life Insurance Company of North America 4. American Family Life Assurance Co. of Columbus 5. American Fidelity Assurance Company 6. American General Life and Accident INS Co ** 7. American General Life Insurance Co ** 8. American Income 9. American Memorial 10. American National Life 11. Americo Financial Life And annuity 12. Anthem Blue Cross Aurora National Life Assurance 13 14 Aviva annuity and Company 15. 16.Bankers AXA Equitable Life and Casualty Company 17. Banner 18. Beneficial life 19. C.M. 20 Life Ins. Colonial Life and Accident 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First Penn-Pacific 25.Forethought 26. American General 27. Genworth 28. Gerber 29. Great American 30. Great-West Life and annuity 31. Guardian 32. Hartford Life and Accident Ins 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Company USA 40 .. Kansas City Life 41 .. Lafayette 42 .. Liberty Life Assurance Co. of Boston 43 .. Liberty National 44 .. Life Ins Company of North America 45. Life Ins Company of the Southwest 46. Life Investors Ins Co of America 47. Advantage Lincoln 48. Lincoln Heritage 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. MONY - 56 America. MONY - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co. for Life and Health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. OM Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential - America 75. Reassure America 76. Reliance standard 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Standard 81. Stonebridge 82. Sun Life and Health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. Budget of the United States 90. Central Union 91. Union Security 92. United Healthcare 93. United Ins Company of America 94. Investors United 95. 96 United of Omaha. United States life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western Reserve Life Assurance Co. of Ohio Note: Sagicor Life, Forest Service, and Illinois should see each other on the bottom 3 lists, instead of the companies listed above as # 6, 2, and 7.

** AIG Life Insurance Company, American General Life, American General Life and Casualty comments

This group of companies used to be one of the highest generation of high quality, high insurance companies classified in the United States. Yet, after two massive federal bailouts, the future is uncertain. Consequently, AIG Life is no longer worthy to be on this top 100 list guide.

GUIDE TO LISTING questionable Life Insurance Company

The following insurance companies insertions can often be included in some different types of charts top 100 Life Ins company if you are considering awards. Sometimes the prizes consist of a considerable amount of annuity premiums. Again, insurers would be counted, where most of the sales do not come from representatives and salespeople. Instead it is written emergency stocks by brokerage firms, independent brokerage and investment contracts not governed by the variable insurance services. In other cases, products may be directly strictly toward teachers, military, or credit unions. In a few cases, there are companies with pending litigation. A representation of this mix of insurers listed below:

1. Cuna Mutual 2. Genworth Life and annuity 3. Hartford life and annuity y 4. John Hancock Variable Life 5. Mayflower National 6. Metlife - Connecticut 7. MetLife Investors USA 8. MML Bay State 9. National 10. Life at the national level and yield 11. NYLife of AZ 12. PHL Variable 13. Sun Life Assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. USAA 16. Shenandoah - financial difficulties

There are a total of over 600 licensed Life / Health Companies "active" in every U.S. state. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so that you will find them missing from the lists best insurance companies. Most states have a real list of 220-330 counts real life and home health offices are currently accepting new cases authorized agents and brokers.

Predition Advisor. If I choose the provider from the lists above, Forest would be my first choice as the next rising star. Its innovative niche products are starting to create a strong demand. Also look at Genworth, its stock value has grown and the company is very adaptable to market opportunities .......

Your Personal Financial Budget - The real purpose is to save and create wealth

A personal budget is a financial plan for the allocation of money that is part of the financial plan that allows you to define your financial goals. Establish a personal financial budget is not difficult and huge profits. You can further define and regulate the financial resources, set and achieve your financial goals, and make decisions in advance about how you want your finances to work best for you.

The main idea in creating a personal financial statement is to set aside a certain amount of money for expected as well as unexpected costs, based on previous expenses and bills, and to define the amount of savings in its optimal state. It therefore enables to position itself to build wealth over the long term. In order to create a personal financial accounting benefits as part of personal financial planning is necessary to do the following:

Step 1. Determine how to allocate compensation to first identify your spending habits. Define the fixed costs (eg, home, car, utilities, insurance, etc.) to the fund for a month and write down everything and add it. Even if your utilities are floating a little 'you can estimate the cost after a month on average. Through proper determination of the "spending patterns", you can immediately identify solutions for creating an effective budget for your personal financial needs.

For example, when you have a constant net monthly income (after tax take home pay) of $ 5,000, you should subtract all your monthly income identified by that - make a list of regular monthly amounts. Spreadsheets are often useful to keep track of this information. Many people often create a budget spreadsheet Excel to keep track of expenses. There may be benefits to creating ten more levels of personal financial budget.

Step 2. So, consider other bills, such as may occur periodically throughout the year. These can be estimated and then subtracted the amount of your income. You have one of two ways to do it. The first way is to calculate the total for a year, divide the total by 12 and subtract that amount monthly by putting money into savings for the building until you need it. The second way is if you have enough surplus can complete its annual, semiannual or other invoice in whole or in some other payment arrangement.

Step 3. The balance that remained after fixed costs can be budgeted for miscellaneous expenses between home and savings. Budgeting, saving is often overlooked and therefore often do not get done. In the short term, 2-5 years, the savings target needs a minimum of 2 years of a personal financial statement so you can see where you're going. A short-term impulse buying is often what prevents people from saving and accumulation of wealth building.

Step 4. To determine the best way to be sure to contribute to the savings, you can do this in two ways. You could use dollar amounts for a group call number such as gas, clothing, entertainment and food. Some people promote proportions or percentages. But think about it, if your income increases, the miscellaneous expenses should or should instead increase your savings? Then, using dollar amounts instead of percentages may be beneficial to your savings goal.

Step 5. The ideal is to have a minimum of 3 cash or bank accounts. These costs should be allocated on 2 accounts - the first to pay bills and transfer money for at least a second account and a savings account (if you do not have direct deposit on all these accounts). The second would account for your family, various, and not spend money on recurring invoices. Then a third short-term savings / emergency account (then adding long-term savings accounts, obviously), but these are starting points that not many people put into practice.

These are ways to establish a basic financial plan and to prevent the use of money is not allocated for other expenses or impulse. These are the starting points that many people do not put into practice that are beneficial and may be built upon, long-term financial planning .......

Tax Preparation Help and information online

Tax Preparation Help and information online

Need help with your tax preparation? Not sure what forms you must fill out? Not sure what deductions you qualify for? Wondering if you will get a refund this year? You can find the help you need with the help of an online tax preparation program.

If you're looking for the proper forms or looking for tax instructions, today's online tax preparation programs are packed with help, information and guidance.

Federal and state tax forms

You can find all the tax forms you need when you prepare taxes online. The tax preparation help, guidance and instructions are provided, so you can be sure the taxes are done right.

Tips and Calculators

Tax tips and calculators are just some of the tools that you can use for tax preparation. Learn how to maximize your tax deductions with tips designed to get the most deductions possible. Use the tax calculator to estimate the amount of the refund or tax due.

Help with deductions

Find out what deductions you can take, and maximize the amount of tax refund. There are over 120 tax credits and deductions available, and all the paperwork is provided to you. Are you getting all the tax breaks you qualify for?

Submit tax returns electronically

Once your tax return, it is easy to store electronically. If you are expecting a refund then you can usually get in 10 to 16 days from the moment eFile.

The IRS has estimated that more than 70 million people prepare and submit their tax returns online for the year 2006. With all the help tax preparation sites available on-line tax filing, is a safe bet that this number will continue to grow ....

Where to Get Low Cost Health Insurance in Illinois

In Illinois, 1.4 million adults have no health insurance. And that number is expected to increase as costs rise and insurance companies to reduce or eliminate insurance benefits. So where can you find low cost health insurance in Illinois?

Exploring the options

Many Illinois residents are fortunate enough to obtain adequate health insurance through their employers. However, if you're unemployed or your company does not offer health insurance can still get coverage:

* If you left a job that offered health insurance or your employer dropped health insurance benefits, look into COBRA coverage. COBRA offers coverage under the insurance plan of your former employer's health for several months at his own expense.

* Watch covered in Illinois, the state program of health insurance. This program helps with health care and insurance for a variety of Illinoisans, including children, residents in low-income, uninsured adults, businesses and middle class families.

* Insurance group from an organization. If you buy health insurance through an organization like the group of alumni of the college or a professional group, you may be able to benefit from a lower group rate.

* Purchase an individual health insurance plan. This may be the most expensive option, but also offers more choices, like many types of individual plans are available: comprehensive coverage, major medical coverage, emergency coverage, short-term coverage, PPO, HMO, and poss.

Find a Low Cost Illinois health insurance policy

If you decide to buy an individual health insurance plan, an insurance comparison website is the best place to find a cheap policy. On these sites you will spend a few minutes filling out a form with information about yourself and your health insurance needs. Once completed the form you will receive health insurance quotes from multiple A-rated insurance companies.

The best websites even allow you to talk with insurance professionals through an online chat service so you can ask questions and be sure to get the best health insurance plan for you (see link below) .......

Make Money Online - What does Free mean?

So, you want to make money online for free? Who does not! However, there are some things you need to know in advance when it comes to making money online. First, just because you do not have to pay a fee for making money online, chances are you're going to work to make money. Too many people are under the assumption that free means that they can simply subscribe to a website or service and you will immediately receive a check in the mail.

Do not be a fool. Nobody is going to give you something for nothing in the virtual world. Free does not mean that there will be work. This is one of the biggest misconceptions that people have when they start looking for job opportunities online.

In addition, you must be aware that you're going to have to be dedicated and driven if you really want to generate a significant amount of money from online efforts. You can not expect to login today and walk away with a check for hundreds of dollars at the end of the first week of work. If it were easy everyone in the world would be working from the comfort of your own home.

Do not be discouraged! You can really make a living full-time and comfortable opportunities to work online. But you're going to have to invest a large amount of time and effort to learn about these opportunities, if you really want to make money online for free .......

What Kind Of IRS Tax Law Attorney Do You Need?

OK, you have come to the conclusion that you need an IRS tax law consultant to help with your current tax problems or tax advice, but there is still a question that needs answering: what kind of tax law attorney specifically have need?

Not only do tax attorneys come in different shapes and sizes, but also with a wide range of skills and knowledge. Choosing the right kind of tax attorney to handle your case is important so you can not only save time and money, but you can have peace of mind knowing that you have chosen the best tax attorney to represent you.

To learn about the different types of tax law attorneys, all you need to know is the different types of tax laws and tax problems then find one with the greatest amount of knowledge, experience and competence in it.

Tax Planning Attorney - IRS Tax attorneys that specialize in tax planning will help to review and organize your financial affairs to prevent IRS trouble for you. Tax planning attorneys must keep up with the latest tax laws to make the changes necessary for their customers. Tax planning lawyers can provide assistance for both households and business.

Tax Controversy Attorney - If you have already filed a case pending in court, you must hire a tax law attorney who is experienced in handling tax disputes. This type of tax consultant is experienced in the classroom is used to defend his client to the judge and jury. He is also familiar with working with the IRS and knows the right buttons to push in order to prove the innocence of their clients.

Tax controversy attorneys can be further divided into two categories: lawyers who deal with civil cases, and those who are involved with the companies and businesses.

Property Tax Attorney - Tax attorneys with experience property tax are those who can help you renegotiate your property taxes with the IRS and ensure that you are paying the right amount. They will also help to form a solid case to present to the court and prove that whatever information gathered against you is incorrect or inaccurate. Property tax attorneys can also help you survive tax audits, right to the income and tax deductions, and to appeal if the previous attempt to clear your name fails.

Bankruptcy Tax Attorney - These are tax attorneys who specialize in the treatment of cases of bankruptcy. Bankruptcy tax attorneys help clients file for bankruptcy and ensure that all the information their clients provide about their finances is accurate and valid to get a positive result. They will also help their clients negotiate with the IRS and other creditors, if a refund is requested.

It 's possible that you will find tax attorneys specialize in handling all aspects of tax law. These tax attorneys however may choose to take on either civilian or corporate clients.

Civil tax attorneys - I can help individuals straighten out their finances, catch up with unpaid taxes, and ensure that they continue to pay their dues on time in the future. They are usually made on a purely advisory capacity.

Lawyers for business taxation - these lawyers are usually paid a monthly retainer to smooth out any difficulties in the case where the company is involved with a new project or a potential dispute with the IRS.

Considering the circumstances point to an IRS tax attorney law that is more skillful in the area that you have tax problems. Remember however a tax law attorney can be hired before you encounter tax legal problems, you can get good advice or consultation on tax issues. The tax question that you want to deal with will determine what type of IRS tax law attorney is necessary, choose wisely .......

The Rise and Rise of Bill Gates

As co-founder and chairman of Microsoft Corporation mammoths, Bill Gates is the driving force behind a company that has been regarded as "The Most Innovative Company Operating in the United States" (1993, Forbes magazines). Microsoft introduced several revolutionary technological innovations in information technology that have made us the first truly dominant player among home computer operating systems. Microsoft also created the world's most popular operating system, Microsoft Windows.

Gates is widely regarded as the brains behind Microsoft Corporation, primarily responsible for product strategy since the company was founded in 1975 until 2006. Among his key contributions are extensively broadening the company's product lines and vigorously defending the dominance of Microsoft in its core areas of activity. And while some of his decisions have led to antitrust litigation over Microsoft's business practices, his reputation as one of the most popular and respected entrepreneurs of the personal computer revolution remains intact. His reputation exceeds that of the realm of computers and business and extends into society. For example, in a 2006 list compiled by New Statesman magazine, Gates was voted eighth in the "heroes of our time" category.

In June 2006, Gates announced that it will deliver the reins of Microsoft day to day operations to someone else by July 2008 to concentrate on philanthropic work of Bill and Melinda Gates Foundation, although it will continue to serve as President of the Company and as consultant on special projects. Plans are already underway to transfer Gates 'role' as Chief Software Architect Ray Ozzie of Microsoft, the former head honcho of the Groove company which Microsoft acquired in 2005.

Gates has donated several million dollars to various charity groups and scientific research studies. According to some estimates, Gates has contributed more than half of his fortune to charity. Even so, you can easily afford it. Recently, the prestigious Forbes magazine Gates as richest man in the world for 12 years straight, with a net worth of $ 2,006 50 billion. Among other things, he actually became the world's first "centibillionaire" in 1999 when his net worth has exceeded 100 billion short .......

Have personal financial problems? Here are some tips

It is uncommon to struggle with your personal finances. In these days it seems that the price of everything is going, but your income stays the same. It can be frustrating to try to make ends meet, let alone save money for the future. Here are some great personal finance tips for the two major problem areas No personal finance spending and saving, you can use to get your personal finances under control.

Spend

When it comes to personal finances spending is an area where it tends to ruin most. People often have trouble deciding between what the need, want and need to spend their money. It can be hard to decide just where your money should go.

- Track your spending. One of the easiest ways to get a handle on your spending habits is to track them. To this end, all that is spent writing. Record the date, amount and what the money was spent. After about two weeks should be able to look at your records and easily find ways to control your spending.

- Make a budget. And 'the backbone of each as the management of personal finances. A budget is the easiest way to gain control over your personal finances. It is essentially a plan that tells you how to spend your money so that you can afford to pay the bills and get the things you need.

- Be realistic. It can be easy to live beyond your means. However, if you ever want your personal finances, to be under control have to be realistic and spend only what you can afford.

Saving

Most people tend to neglect this area of ​​personal finance. It can be easy to say only saves later, they simply do not have the extra money to save right now. Saving, however, is very important and you can find small ways to save hours, even if you think you're too broke to do it.

- Save the changes. As you did when you were a child, keep a piggy bank. A small change can add up over time.

- Set a certain amount of savings. Put the saving in your budget to replace it automatically every time you get paid.

- Set goals. The objectives are powerful. Set some savings goals for you. As if you really want something special, rather than buy it, save your money to buy it. This will help you avoid a shopping binge and help you to save the value .......

Performance Metrics - Create a PNL Statement for Analysis

Performance metrics should be monitored carefully. This is no longer the case with business networking. Many computer consultants know that they should be tracking specific performance metrics but fail to have a system to actually do so.

A method for monitoring economic performance metrics works quite well. With the creation of a PNL statement you can use the defined performance metrics to monitor and measure reimbursement of the benefits you get from each of the organizations involved.

GNP and metrics of network performance

Set up a separate statement for each organization are involved with you.

Follow the costs on one side:

Record the dates and meetings / events attended

Record the time and money spent on each event

Record the number of new types of contacts you have made

Record the number of existing contacts have been strengthened

Record how many people have you met him again a second time or later shook their hands, spoke briefly and resumed contact

Follow the repayments on the opposite side:

Record the date and name of qualified leads that are channeling revenue perspective

Record the name of the meeting or an event that generated the contact

Record any revenue service that ultimately received from that contact

Record revenues from services you received as a direct referral from this contact

After recording your performance parameters for a period of 3 to 6 months you can begin your analysis. You should monitor these performance metrics for a sufficient amount of time because it takes several months to complete a sales cycle. You should start seeing some trends after 3 to 6 months.

Because of the sales cycle and determination to change the perspective, sometimes you have to wait a bit 'more than 3-6 months to see clear trends. We measure the performance metrics to obtain an accurate picture of what is happening. Do not cut your analysis too early and risk the elimination of a good organization because it has not been used a long time horizon.

The Bottom Line on performance metrics

Using performance metrics to measure the effectiveness of your online activities is a critical business operations. Using a type of profit and loss scenario is a quick and easy way to determine where you are getting and where the repayments are not. Use this information to make the necessary changes. Performance metrics are the best way and really aims to collect this information and make these decisions.

Copyright MMI-MMVI, Small Business Computer Consulting. Com All rights reserved throughout the world. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance} ......

Tips to make a High-Impact, Money-Saving Presentation Booklet

Your boss asks you to present your company's services to a prestigious client potential. You're talking to a seminar for professionals in your industry. You're introducing the draft of the Board of Directors for approval. Whatever the scenario, many of us will have to present our knowledge to others in a work context at some point.

Whether you're presenting to a group of colleagues or customers, you want to provide the information effectively.

Creating a professional presentation booklet, can help you organize your message and keep the attention of your audience. They can examine a read-along book with your presentation, then take the booklet with them to reinforce the message. Or you can add additional information in a booklet of presentation so that we will continue reading after having raised their interest in the subject.

Here are some tips for effective presentation of a booklet and professional:

- Make your book a hard copy of PowerPoint is projected

- Give them an overview of your company or the background of the presentation

- Leave a space in the booklet so that the public can write thoughts or take notes during the presentation, if applicable

- Focus brochure on statistics and facts relating to the presentation

- Be sure to leave contact information or action you want them to take at the end of the book presentation

Now that you have ideas for what to put on your book presentation, there are several ways to make a reality:

You can take the information to a local printing company or website print and have them create the book for you. This can quickly become costly, depending on the size and quality of the booklet presentation. Type of color printing, paper, and binding are some of the variables that influence the price.

If you (or your company) is planning to create a booklet of presentation more than once, it can be cheaper to get the materials to make them yourself. You may already possess or have access to a printer of superior quality.

You will need to purchase a binding machine (a purchase large enough), and supplies for the booklet (paper and covers purchases nominal). After these initial costs, you can enjoy the convenience and relatively low cost to produce their own booklet of presentation.

Another advantage of creating their own books is the quality of presentation. Many companies allow you to print defects in your order. And if I understand correctly the first time, may be too late when it receives the remake. When creating your presentation, you get to decide what the final product is, and you will be able to produce faster you like.

I recommend using the Unibind XU138. The great thing about a Unibind system is that you can quickly and easily create professional looking books in hardcover or softcover. You can also reuse the link and add or remove pages from your book if you must change the contents.

Warning: a poor quality presentation book will not help the presentation - it will distract from the message! Demand the highest quality from the printer, or do it yourself to ensure that it's done right .......

Best Franchising

It 's very difficult to find the best franchise for themselves, where you can be a natural and loving your work. When you start looking for a franchise, the choice is staggering. There are literally hundreds if not thousands of different types of franchises available to you for investment, with the same variety in cost. Each has its own benefits and usually the more you pay, there are more chances to win.

Here are the things you need to be considered when you try your best franchise. Use your heart, but use your head, pencil, calculator, your accountant, your lawyer, your family and any other possible resource to help make your decision the best franchise.

In the present scenario there are a number of franchises available. Automotive franchises, franchise business training, employment and training, franchising franchise education of children, cleaning franchise business, franchise, franchise internet franchise food, health and beauty, construction franchising, franchising furniture, etc. and the list is endless.
So, when you must decide what are the best franchise for you, you will have to decide some things about you.

Have you ever wanted to take control of your life, run your own business from home and spend more time with your family? Then I work from home is one of the best franchises available for you. Another important factor that governs your decision on selecting a franchise is the best amount of money you can invest. Some franchises require little more than the investment of only a small franchise fee, while others require good franchise taxes, property investment, inventory and other asset purchases of large sticks, rental, etc. If you have franchise Capital Limited how to work through the Internet, painting, consulting firms are among the best franchises available for you.

Another important factor that decides the best franchise for you is your experience. What have you done in the past and what good are you at? Or you're sick and tired of what you've done and ready to take on a whole new profession? Some concessions to search for people with a set of very specific skills and experience, while others actually prefer their training from scratch. There are many different types of franchise businesses available including computer service businesses and also repairs cars. If you are an expert, use them to choose this franchise and that will prove to be the best franchise for you.

Another important factor that is important for you to get the best franchise is your goals. Looking to own and operate this business for many years to come, or just put it running and sell it to another investor? Do not see owning a brand or have your sites set on the possession of several franchise through your state or region? If you want to own a franchise that is defined as a franchise so short internet, painting, consulting agencies, small café, the Computer Troubleshooters, home tutoring business are the best franchise for you. But if you aim at a business that you want to continue for quite a long time as franchise restaurants, cars, jewellary, fitness centers and the scope is very large for you to choose the best franchise.

The key to success in a franchised business is to choose a franchise that matches your interest. And 'the food, cars, fitness, or anything else. In these days there is a franchise for almost everything for you to choose .......

Current Trends in Job Interviewing Techniques for Human Resource Management at the Marriott

The second of eight children to parents Hyrum Willard Marriott and Ellen Morris Marriott, John Willard Marriott was born at Marriott Settlement near Ogden, Utah September 17, 1900. Known to the family of Bill simply, the young John Willard helped raise sheep and sugar beets on the farm of his father in the Church of Jesus Christ of Latter-day Saints. His father gave him a significant degree of corporate responsibility at a young age. As a direct result, Bill quickly learned to rely on ingenuity and wisdom. While in awe of the expansiveness and the picturesque backdrop of the Rocky Mountains as a young man, Bill imagined something bigger than the boundaries of the farm of his Mormon family. She shut off her desire to travel, becoming a missionary for the Church in New England, at age 19. Traveling on his way home through Washington, DC after completing his service during the summer of 1921 recognized measure of root beer market AandW (Wikipedia, nd).

Marriott returned to Utah to join Weber Stake Academy in Ogden, and then shortly after he graduated from the University of Utah in 1926. Recalling the ready market of tourists hungry for the nation's capital, he and business partner Hugh Colton combined $ 6,000 to open a nine-stool root support AandW beer at 3128 14th Street NW May 20, 1927 (Wikipedia, nd). Only two weeks later Marriott rushed to Utah to be present at another event that changes his life, his marriage to Alice Sheets. The day after Alice graduated from the University of Utah, the couple was married in Salt Lake City June 9, 1927. Their honeymoon was spent in the Model-T Ford Marriott in a rough and slow return trip to Washington DC, where the fate awaited (Marriott, nd). Marriott Corporation grew gradually over the following decades, under his leadership. When the company decided to go public 14 years later, in 1953, Marriott degree was offered at $ 10.25 per share and sold out in two hours. However, it was only four years later in 1957 that its duration is increased to hotels Marriott Corporation. In the same year he opened his first hotel, the 365-room Twin Bridges Motor Lodge in Arlington, Virginia (Marriott, nd).

Even when his eldest son, J. Willard "Bill" Marriott, Jr., took control of the Marriott Corporation in 1972, the patriarch could not just relegated to a life of retirement. During these 58 years to open its location in Washington DC in 1927 until his death in August 1985, J. Willard Marriott was an active worker, who has helped his business running and rarely relaxed. Activities Marriott was an integral part of himself. He worked as a chief who loved really practical to spend time with their growing legions of workers who he felt was the key to the success of Marriott. Eloquently honest echoing a principle that continues to be the foundation of the Marriott culture, "Take care of your employees and take care of your customers Treat your employees the way you would like to be treated -. Provide them with every possible path to success . gain their trust and respect. I like and be interested in their work "(Marriott and Brown, 1997). Companies with a culture of integrated business, such as Marriott has to rely on interviews to determine precisely the employees that are a perfect fit organization. Interview is the process by which an employer assesses a prospective employee for employment in their company (Wikipedia, nd). Historically speaking, interviewing is generally the final stage of the recruitment process. It is ultimately the most important determining factor in whether or not an employee meets the criteria of philosophical selective employers. Employers such as Marriott may offer various degrees and styles of interviewing techniques, but for most types of interview can be classified between a pair of dichotomous categories.

Type of interview:

There are basically two different types of interviewing methods used by the management of human resources to help meet their goal of selecting the right person, the screening interview and the behavioral interview.

Screening Interview:

This interview was designed to break down applicants who do not meet the requirements of a specific candidate. It also allows them to collect basic information about the applicant.

Behavioral Interview:

This type of interview is designed to help you make an educated decision based on selection criteria fair and legitimate, rather than on a "gut feeling". The following guidelines will mainly as the determining factor for acceptance and was built with three main objectives in mind.

1. To provide a process that ensures that all candidates will be evaluated in a uniform and constant.

2. To provide a structure for use in the process of the interview.

3. To provide tools that will get responses from potential candidates, serving as indicators or predictors of future performance.

The process of interviews:

The interview process is divided into three segments: the preparation, maintenance, and evaluation / selection.

Preparation:

The first step is the description of the work involved with the interview. This will determine what you're looking for in a candidate. The best way to do this is through the review of the duties listed in job description. While you're reading this, should ask: what are the personal characteristics and skills needed to succeed in the position? Examples might include attention to detail, communication skills, flexibility, calm, job-related knowledge, energy, reliability, etc.

Application Review:

Demand for labor has been completed a candidate can serve a variety of purposes. Completed application forms to present an accurate preview of "Coming Attractions", or the background work, ambition, and education that candidates bring to the interview. Remember that past performance is the best indicator of future performance. As they read the application, which should automatically check for items such as experience, education and physical qualifications, but there are many other things that can get the application.

Completed application forms also present a framework that will be used in the interview with the real candidate. They take the time to read carefully. They can not interview effectively, if they have not done their homework.

To help them to read or analyze the application forms, three things are considered:

1. The information they give.

2. The skills you demonstrate in presenting information.

3. Their way of thinking, as revealed by the answers they give, in response to questions the application form, as well as their responses to the interview screening.

Technical and performance categories:

The technical category is defined by the specific tasks performed in a job. These skills reflect the knowledge or skills that are taught programs in technical institutes, etc., or are learned through corporate training programs. For example, if they hire a housekeeper, category engineers should try to see if the candidate knows how to make a bed, knows the proper way to empty, etc.

The performance category is defined as work habits or special skills that are usually learned through life experiences rather than formal training. Often, these skills are learned early in life and reflect on how the beliefs of a job should be done. For example, if they hire a housekeeper, who will examine how the candidate organizes its work, how seriously you take responsibility, or as you follow through on their commitments.

Categorization of Work Requirements:

With the use of job descriptions, look at the skills or areas of great responsibility necessary for that particular job. These skills are then divided into two performance or technical dimension. For example, one of the areas of greatest responsibility a chef is to prepare properly and garnish all food orders in accordance with the specific menu. This falls into the category of performance.

Identify skills needed:

Once you know that the requirement of the job, can then identify the skills required to successfully complete the work.

The climate:

When the candidate arrives, he / she is greeted with a smile, a handshake and a cordial and friendly word. Eye contact is established and the candidate is invited into the room and asked to have a seat and offered a drink, etc. The interviewer then introduces himself / herself by name and title.

An atmosphere that relaxes the candidate and puts him / her at home is established. There is a direct relationship between what a candidate is comfortable and secure feel, and how truthful, honest information he / she is willing to reveal.

The interview:

Open the interview:

The interview opens with their icebreaker to set the tone for the interview. Then the candidate is given an idea of ​​what will happen during the interview. For example, you will begin to discuss their work experience and educational background. Then ask them some questions and take notes. Finally, will share data on labor, time, calendar, rate of pay, full time or part-time position, company and answer questions they might have.

During the interview:

The information that the applicant has provided the application is discussed. This verifies that the information provided is accurate, and also gives them the opportunity to fill in missing information. Then the questions concerning the technical category who have chosen to administration. Then questions chosen from the category of performance are given.

Take notes:

During this part, must take notes. Keywords or phrases are used. Noting is made to describe the behaviors, document names, dates, places, results, etc. These notes will help in assessing a candidate.

Listening to:

As the candidate answers to their questions, practice good listening skills. The following guidelines will assist the interviewer during this process:

1. Listen to the candidate.

2. Formulate questions to probe the follow-up their responses.

3. Use the "summary" to control the talkative candidates. This can be done by taking what a candidate says, paraphrasing, and then proceed to the next expected demand.

4. Silence - after asking a question, be patient for the candidate to respond. It allows them to think of the response and encourages them to provide more information. Many interviewers interfere in their process of information gathering by themselves in a hurry to fill a gap in the conversation.

5. Clipping - Sometimes a candidate may wander. If you feel excursions and the information they are giving is not relevant, they can start talking right with the candidate as they are finishing a sentence. In this way, "snap" the short story, and allow them to take control again. This must be done tactfully so as not to offend the candidate.

Display good nonverbal skills:

The following guidelines will assist the interviewer during this phase.

1. Maintain a friendly attitude and positive start to finish.

2. Use eye contact. This establishes the candidate that they are interested.

3. Encourage candidates to continue with his head nodding.

Stereotyping / Generalizing:

It 's very important that they go into the interview with an open mind. Two things that can affect their judgment are "generalized" and "stereotypes". These should be avoided at all costs.
Generalization: This is to make assumptions about a candidate based on past experiences. For example, if a candidate says a certain word, assume that the candidate will act in a certain way.

Stereotyping: This is unfair and totally inaccurate. We must guard against this practice.

Here are tips to guide the interviewer through the process:

- When using probing questions, get specific timing and examples of when an ability / feature was used.

- Encourage the applicant to provide more details using phrases like "I see", "I understand", "Please elaborate," or simply nodding his head.

- Do not spend too much time in one area and then run the other.

- Listen to what is being said and what is not said. Each interview involves anxiety. Each potential candidate is afraid of rejection and possible disappointment. This causes anxiety sometimes a candidate to say things awkwardly or say things in a way that does not make sense. Their challenge is to relax the candidate and "read between the lines." In other words, by survey, to determine whether a negative response or conflict was caused by anxiety or if the candidate is to circumvent a problem.

Closing the Interview:

Once they feel they have sufficient information from the candidate, it's time to close the interview. Telling the candidate for the position in which they are interested and society, can do this. Follow this with any questions you may have for you. In responding to their questions, be honest and loyal, but do not make promises you can not maintain, or beautify your answers, which would then give the candidate an inaccurate representation of the situation.

Tell the candidate when they can expect to be contacted ends the interview on the position. The applicant was never dismissed without being told, when you expect to be their decision. It's not a good policy to allow people indefinitely as whether or not they got the job.

An interview usually lasts about 30-60 minutes to the positions of every hour. However, it is clear that the applicant does not meet the requirement of the job, the interview can be concluded soon.

Evaluation of Candidate:

The next step is to evaluate the candidate. He wants to complete its evaluation as soon as possible after the interview.

At the end of interviewers to be effective in assessing a candidate, it is essential that they know exactly what are the characteristics and skills they are looking for in an interviewee.

Interview Address Form

Candidate Name_____________________________________________________

Date of Interviewer________________________ Interview_________________

1. Greet Candidate

Ø Introduce Yourself

Ø use Icebreaker

Ø Review Interview Agenda

- Work Experience / Educational Background

- Ask questions / Take Notes

- Job Share / Information Communication

- Answer the questions

2. The interview

Ø Ask qualifying questions

or full time, part-time, provided Pay, Shift Preferences

Ø Candidate Application Review Information

Ø The questions selected (use Evaluation Tool)

Or Listen to responses and probe for Details

Ø Review Application Job Description

Have or to sign the confirmation form Candidate

3. Conclude Interview

Ø Tell Candidate position and Company

Ø Ask the candidate if they have questions

Ø Exit Interview - (smile and wish them a fond farewell)

Marriott's perception of interview questions is as follows:

* The information collected on an applicant may cause the selection of an application on a different selection of the many applications for this characteristic.

* Even if they are unsure of the ability of a candidate in a certain area, it asks questions until they are satisfied with regard to the ability of that candidate.

* They should ensure that applications are not considered illegal.

Preparing for the interview:

Steps in preparing for the interview

1. The job description is reviewed

2. Question the candidate is reviewed

3. The questions are chosen.

Interview Set Up:

Materials:

Before application of the rule is that she would prepare some form of "ice breaker" in order to start the conversation. At this point the interviewer warrants that he or she uses the tool of the interview, filling out the necessary information and questions you will ask. This information is then attached to the candidate's job description, application and pinned to a clipboard.

Location:

The interview is generally conducted in a very quiet and private, is so because they believe that this will allow the candidate to feel more at ease.

Hours:

The interview time set by the candidates are scheduled during periods of slower job so that there is no hurry or distraction.

Interview Questions:

The following are examples of questions used by the interviewer during the interview. Each issue falls into one of sixteen categories, each with tips on what the interviewer should seek asylum in the response.

ATTENTION TO DETAIL - Category 1

Tell me about a time when it was very important that everything about a project, event or sale was right. What was the project, event or sale? What had to be perfect? As it turned out?

Interviewer is looking for a desire for perfection and completeness.

Tell me the last time you were praised for the efficient management of a number of small details.

Interviewer is looking for the ability to handle tasks carefully and properly.

Tell me the last time you made a mistake because you were running. What was the situation? How many times this type of situation has happened?

Interviewer is looking for: ability to maintain order.

How important was your last job to pay attention to detail?

Interviewer is looking for experience.

INTERPERSONAL SKILLS - Category 2:

Tell me the last time you had a disagreement with another person (boss, colleague, classmate, etc.), what each of you to say? What was the discussion like when he was on? As they both show your frustration or anger? How was it resolved? How was your relationship after the accident?

Interviewer is looking for the ability to negotiate, compromise and sensitivity.

Describe the last time you faced a peer did something, that the disorder. What you said or did?

Interviewer is looking for kindness, consideration and warmth.

Consider the customer who has met difficult, how did you handle him / her?

Interviewer is looking for a positive attitude and sensitivity towards others.

When you think about how to get along with others, what you see as your strengths and your weaknesses? Why?

Interviewer is looking for team player, friendship and happiness.

Many people have the opportunity to "walk in another's shoes". When this skill was required of you?

Interviewer is looking for the ability to look at another point of view.

Working knowlegde - Category 3

Tell me about the activities typically performed on your last job. Which of these activities you feel particularly competent? Why? What activities do you like least?

Interviewer is looking for specific examples of the desire to develop.

In what areas would you like to become more qualified?

Interviewer is looking for a specific direction.

Oral communication - Category 4:

Tell me the message more complicated, he had to talk to someone. How was it complicated? What have you done to ensure that the message was understood?

Interviewer is looking for the ability to understand and analyze.

What feedback you received on your ability to communicate clearly and concisely?

Interviewer is looking for the ability to understand messages and the ability to analyze.

WORKING IN THE GUIDELINES - Category 5:

Tell me the last time you were reprimanded for not completing a task so that the supervisor wanted to do, or in time. What were the circumstances?

Interviewer is looking for a willingness to comply and work well under the rules or structure.

What procedures or policies you would like to change your last job?

Interviewer is looking for a desire to improve conditions.

ORGANIZATION - Category 6:

Tell me the last time you were working on several things at once and try to meet a deadline. How did you structure your time? You meet the deadline?

Interviewer is looking for the ability to address the high-priority task in the first place, the persistence and being in control of situations.

Tell me the last time you made a decision that backfired. What caused you to choose that particular course of action? What options did you consider? People who talk about? What feedback did you get that?

Interviewer is looking for the ability to understand and solve problems.

You describe yourself as more logical or intuitive to solve the problems? Give me an example that shows the style.

Interviewer is looking for specific show creative approach.

ADMINISTRATIVE DETAILS - Category 7:

Explain how you have changed an administrative system to improve its effectiveness.

Interviewer is looking for the desire to improve existing systems

What to do to ensure the correct spelling, etc. your writing? How many times have your work returned to you because of spelling, grammar, or punctuation errors?

Interviewer is looking for a desire to improve current systems.

COOPERATION - Category 8:

Tell me about a project or activity you were doing when I did not think you could get from you the fact and asked for help. Who asked you? What did they do to help?

Interviewer is trying to develop cooperative working relationships.

What are the steps to help ensure good working relationships with your colleagues? When was the last time you used these passages? How well did it work?

Interviewer is looking for positive attitude and the ability to be a good player team.

Tell me about a time when you and a coworker had different ideas about the approach to a task. How did you work through it?

Interviewer is looking for the desire to listen, compromise and contribute.

Calm / coping with stress - Category 9:

Tell me about the time when your work or school was the most hectic. What did you do to keep it under control? How many more hours worked in that period?

Interviewer is looking for the ability to maintain control while working under pressure.

Flexibility and adaptability - Category 10:

What is the maximum adjustment you should do if hired here?

Interviewer is looking at ways of regulating affect job interview and how well it adapts to change.

Tell me the most intense period of change in your life where you have taxed your ability to adapt. What changes took place? How did you react to the changes that were taking place?
Interviewer is looking for positive attitude and management skills with ambiguity.

ENERGY - Category 11:

In earlier work, that type of situation arises for which you had to act quickly? What would you do?

Interviewer is looking for the ability and desire to react and energetic movement.

Tell me about a time when you had to go beyond the call of duty, in order to get a job.

Interviewer is looking for positive attitude and performance of urgency to get the job done.

Reliability - Category 12:

Tell me the last time you did something, because it had to be done, even if it was your responsibility.

Interviewer is looking for persistence and a positive attitude.

Tell me about a time when you could not do for a specific liability (ie work) on time. What was the situation? What did you do?

Interviewer is looking for attitude towards participation and accountability seriously.

AWARENESS - Category 13:

In earlier work, that type of situation arises for which you had to act quickly? What would you do?

Interviewer is looking for compliance and readiness to react.

Describe a time when the situation around you requested your attention immediately and completely.
Interviewer is looking for the ability to analyze, to focus.

DRIVE - Category 14:

How do you rate your motivation and drive compared to your peers or classmates? What are your strengths / weaknesses? Give me an example that best illustrates your drive.

Interviewer is looking for self-motivation and strive for excellence.

Tell me the longest known, sustained effort now that you've ever put in. What was your assignment? How did you make an extra effort to get the job done? As has been successful?

Interviewer is looking for the desire to succeed, perseverance.

PATIENCE - Category 15:

What are some of your "hot buttons" - for example, things that just can not stand. Giving an example, and how did you react to the situation.

Interviewer is looking for opportunities to stay even-tempered and the ability to control his temper.

Social issues - Category 16:

Describe the best example of your ability to establish a positive relationship with someone who did not know. What was the situation? What did you do? How did you do? What obstacles were there? How did you overcome them?

Interviewer is looking for the ability to work well with others.

Tell me about a situation where your life really depended on your ability to get along with others. What was the situation? How did you do? What obstacles were there? How did you overcome them?

Interviewer is looking for team work and ability to establish harmonious relations.

Some people get to know strangers quickly, while others prefer to take their time letting people get to know them. Describe how you entered relationships when you are "back to a group"

Interviewer is looking for a positive attitude and cooperation.

Improper questions:

The following are examples of questions that may lead to legal retaliation by the applicants and are considered inappropriate by Marriott.

What is your maiden name?

The company believes that the question is not relevant for a person's ability to perform work, and could be used for a discriminatory purpose. For example, a woman's maiden name could be used as an indication of her religion or national origin. This question could also be an inquiry of marital status, then this question will be one in which you try to avoid.

What was your name before marriage?

Marriott believes that the question asks, in effect, if a person is widowed or divorced.

Have you ever worked under another name?

They believe that this is simply another way of asking the applicant's sex and marital status.
What is your birthplace or that of your spouse, parents or other relatives?

The Marriott Corporation believes that any question about this line is an attempt to determine the national origin.

What are some of the clubs, organizations, companies and hotels to which you belong?

They believe that the issue is not relevant to work and could be an attempt to determine the national origin or race. It is also improper for a professional organization of information.

As you gain the ability to read, write or speak a foreign language?

Marriott believes that the issue is also an attempt to ascertain the nationality of the applicant.

What is the lowest salary you would accept?

Marriott feels that this is improper because women generally worked in low paying jobs than men, and in the past have been paid less than men for equal work. As a result, they believe strongly that a woman might be willing to work for less pay of a man would find acceptable. This question is improper and irrelevant.

What is your height and weight?

Marriott believes that some employers have imposed minimum height, or weight, requirement for employees who are not related to the task and have the effect of excluding above-average percentages of women and members of nationality groups certain. Unless the height and weight is directly related to employment needs, these questions should be asked.

Have you ever been refused a fidelity bond?

This question is probably an indirect attempt to find a defect that may exist in the past of an individual. The difficulty with this is that a bond of loyalty can be denied for reasons totally arbitrary and discriminatory, that the individual has the opportunity to learn, or challenge.

Attach a photograph to the application form.

And 'improper to request that an applicant affix a photograph to the form of employment after the interview, but before taking, at the discretion of the applicant.

What kind of work does your spouse do?

Marriott believes that to some extent, this question asks marital status....

Accounting and the consignor

In its report dealer-agent, the agent merely undertakes to sell goods on behalf of the merchant at the best possible price. For these services, receive compensation in the form of commissions on sales. Until the goods have been sold, remain the property of the dealer and not the agent. This means that the dealer is entitled to the proceeds of the sale of goods shipped, then the agent must pay the dealer proceeds after deducting its fees and expenses.

Usually, each consignment is identified separately, with the opening of a separate account for it and the profit (loss) per consignment is determined once the outcome is known. Goods sent to a recipient shall remain the property of the sender to availability and in the case of a perpetual inventory system of accounting is playing journalised cost.

In the case of a periodic inventory accounting, purchases will be credited to the account. 'Income accounts' The game has a dual purpose: it serves as an account of inventory of assets held by agents as well as shipping income account.

Costs such as rail or sea, or insurance will be paid for each lot. These additional costs are a cost of inventories game and must be charged to 'account book' the appropriate shipping.

Once the sender receives the agent for details regarding the sale of goods, he (the sender) is able to determine the gain or loss of the match. The report received by the agent of reporting or accounting is known as a sales account, and provides more details on the goods received by the agent, sold, costs incurred by the agent, a liability for his fee (commission) and the balance of unsold goods.

So, 'account book' The game contains all the details concerning shipping operations. Therefore, a profit (loss) can be determined and transferred to the account of their overall income. The account balance represents the cost of unsold inventory and is shown, along with other inventories, balance sheets of financial accounting.

The cost of unsold inventory is the initial purchase price plus the proportionate share of all costs related to the game, but excluding commissions. Commission is a function of sales and is therefore a cost of sales that must be amortized against earnings (loss) arising from the specific sales.

When the agent receives the goods, which usually do not make a formal accounting entry, since he does not buy products or belong to him. However, he will keep a record of inventory to record the receipt and sale of goods. An alternative would be to charge a lot received 'accounting account' with the invoice price and credit the sender. When goods are sold the amount will be credited to the 'accounting consignment received account'....

Credit Small Business - Ten steps to build credit for your business

A lot of small business owners do not take the time to establish business credit for their organization. When we started to take our business, our personal credit and assets are important resources that allow us access to credit and capital to our company.

Before you develop business credit, the better!

Good business credit is the lifeblood of the organization. In these economic times, we begin to understand the crucial need to establish business credit. It makes a world of difference in the interest rate you receive, how much capital you have access, and setting the terms of rents, insurance premiums, and commercial loans.

At some point in the life cycle of your organization, you should begin to build business credit as an entity separate and distinct from your personal credit. The two companies have corporate credit Dun and Bradstreet and Experian. Although, I'm not partial either, I used Dun and Bradstreet to build business credit for my company at the end of my first year of being in business.

Recently, I applied for another credit card company. They even used my personal credit as a reference. Your company must be in force for at least three years before the financial institutions, trade creditors and suppliers begin to use the credit to businesses as a primary resource.

Here are ten steps to build business credit:

1. Establish your business as a separate entity (eg, C Corp., S Corp., LLC.)

2. Learn the requirements for banks and credit agencies.

3. Establish credit with suppliers based on personal credit. Ask them to report your transactions to the credit bureaus.

4. Applying for a loan through the SBA (Small Business Administration) or association of undertakings

5. Obtain a Dun and Bradstreet D-U-N-S number.

6. Doing business with suppliers of small size. Did you use a caterer for your party last holiday? You have a company that provides water bottle water bottles to your office on a weekly basis? You have a small print shop that used for the copies and binders? Find out if your payment history with the larger vendors have been sent out and reflected in your credit history. Sometimes, and sometimes are not. If not, then use them as a supplier to be contacted by Dun and Bradstreet or Experian.

7. Once a payment history with these small companies, submit their information to Dun and Bradstreet. These providers must be members of Dun and Bradstreet, and in order for you to use as a reference. Dun and Bradstreet will ask you to verify your payment history with them. Dun and Bradstreet will ask for six suppliers. Give them more. Some of your suppliers may refuse to submit payment history.

8. Scored Paydex. Make sure you have at least four providers reporting your payment history so you can get a Dun and Bradstreet rating. The score is different from the Dun and Bradstreet rating Paydex. It is extremely important because this is what the institutions use to determine the financial capacity.

9. Check your credit to businesses twice a year to ensure that data are accurate.

10. If necessary, identify ways to improve your business credit.

If you are careful and follow these ten steps, you will definitely be on your way to control your financial destiny! Much success! ......

In difficult times 7th SBA 504 and SBA programs are normally Reply

Currently we are seeing rates of decline, literally 90%, the banks here in Michigan. That means that 90% of all loan application commercial ports are available in banks are turning down. 50% - 60% of these mortgages commercial potential, probably a sense from the standpoint of traditional subscription, but banks are not willing to take the risk of losing continue to accumulate and take their toll. Several local banks to national and smaller have simply stopped quoting rates and will not accept proposals for new loans altogether. A particular bank here told all of their officers, commercial loan that the bank will not close a mortgage commercial single in 2008 - like it or not.

Borrowers must for commercial mortgages are not, of course, is gone and probably increased as the sight of business for a way to consolidate debt, launch new marketing programs, etc., in an attempt to pass current " cycle. " Holders are definitely starting to feel the pinch and are looking at all option that may not have been considered only a few months ago. All in all lenders are relearning the old "golden rule" that seemed to be gone for many years - that "he who has the gold makes the rules."

SBA commercial mortgage programs may be the answer for many business owners. Because the government guarantees a large portion of the loan becomes a much safer loan for the bank. For example, the SBA 504 program, the government essentially guarantees 40% of the loan so the lending bank is very conservative value of 50% (the borrower puts in 10%). In the seventh SBA program, Uncle Sam essentially guarantees 75% of the loan, making this a solid option for the lender as well.

However, from the standpoint of the borrower of these loans are not perfect. A major criticism is the lack of refinancing options. Companies must be in a mortgage that is about 2% above the market to qualify for a refinancing and cashing out portions are heavily controlled. Furthermore, the program only allows 504 purchase transactions so that the borrower must generally "swallow" the terms 7a or may need to go forward without refinancing.

The seventh program was shunned by many for 2 main reasons 1. The guarantee fee, pay attention to the SBA (on the loan) is expensive at 2.75%, 75% of the total balance of the loan and 2. That the rate floats above the first, adjusting once a quarter. The variable component, which can be a very scary proposal for the owners of the business, was the biggest problem.

It pays though to be informed. Not all SBA lenders are the same. For example, we work with banks that allow 2 7th refinance up to 90% loan to value and lock the rate for 5 years and the bank absorbs the 2.75% guarantee fee ... Make this one of the strongest programs in the nation.

The SBA program is likely to remain in the shelter of the mortgage business Wall Street goes through the restructuring of the CMBS and CDO markets, which will undoubtedly be painful for all involved .......