According to the NY Times, one of the ten reasons small businesses fail is due to improper or lack of accounting. Corporations spend a significant amount of money and hire accountants to report on the status of the company and maintain day to day operations. Yet, many small businesses end up failing to maintain proper accounting.

Accounting Helps with Operating Your Business
Proper Accounting helps pay employees and vendors; helps with customer invoicing, helps post payments; tracks your business assets and liabilities, and most importantly, it calculates any profits and losses. Small businesses cannot operate if they can not pay their employees or ignore vendors bills and continue receiving materials for their products. Often, those functions are ignored by small businesses due to lack of time thus resulting to work stoppages.

Accounting Provides Feedback
At the end of every period, may it be monthly or yearly, as small business owners, you have some idea of how you performed and accounting provides you the validation you need. It will tell you if you made a profit or loss. If you happen to have a loss, it will determine where your biggest expenses are coming from and if you did make a profit and still left with a small cash balance, it will probably tell you which customers havent paid and which customers are now delinquent. Small businesses fail when what they think is not true and this is the most important reason why small businesses need accounting.

Accounting Helps Comply With Legal and Contractual Obligations
The IRS, other government agencies, and banking covenants require businesses to provide a detailed accounting of their revenue and expenses. Depending on the size and entity type, it also requires you to have a balance sheet or listing of assets, liabilities, and equity. Accounting provides you with that information easily. It provides business owners the right amount of withholding, deductions, and back-up just incase they get audited.

Accounting Provides Non-Financial Insights
Many small businesses fail to realize that accounting is not just financial information. It has information on timing, customer information, employee information, and other information that may not necessarily be part of your financials. For example. a key non-financial trend that small business could pay attention to is their customer demographics, you can identify what your customers age, location, and how they order products and services and you can zone in on advertising to that demographics thus increasing revenue and could lead to increased profit. Another, key non-financial trend small business can pay attention to is monthly sales figures, when a small business realize that a continuous trend of slow monthly per year. A small business could either ramp-up advertising 30 days before as anticipation of the slow month or they could plan a family vacation.

You Can’t Expect People to Just Wander Into Your Office.

The Health Care Industry today is just as competitive as any other business. Patients are becoming more savvy about their health care and have begun making choices on their own. Obviously they aren’t going to be too picky where they go if they are having a heart attack…they’ll let the paramedics decide…but when it comes to routine procedures they may have the option to choose where they go. How will they decide if they are going to choose your office or your competition’s? They will surely pick someplace with which they are familiar. Here is where direct-mail and promotional products come into play.

How Do You Get Their Attention?

It’s human nature to select someone or something because you are comfortable with it, right? That trait begins at infancy. Babies don’t like being held by strangers. Once that ‘stranger’ is around long enough and the baby sees him enough, he ceases being a stranger and the infant doesn’t fuss when he picks him up. It works the same way with adults. If a person is constantly being exposed to a business, whether they drive by it daily or see an advertisement or hear about it from an acquaintance, they begin to feel comfortable enough to patronize it. There have been many studies that confirm that phenomenon.

The Nuts and Bolts

A direct-mail campaign is an ideal way to familiarize hundreds or thousands of people with your facility. An ideal product is a mailer with a promotional refrigerator type magnet attached. The most popular product is called “magna-peel.” Do a Google search for magna-peel and look for a business that provides health care promotional products to see some examples. The recipient peels off the 3.5 X 4 inch magnet from the mailer. The magnet displays the business information as well as a calendar or other handy information. These magnets don’t get tossed in the trash like most conventional paper mailers. Instead they find their way to a prominent spot in the kitchen or workplace, where it is seen on a daily basis. The more people see it…the more comfortable they become with the business, remember?

They Work!

That’s the exact result you want, too. When it comes time for the person to pick a Health Care facility, they’re going to think of your office right away because is has been etched into their minds by the many times they have looked at that product on their refrigerator.

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Robert is currently working for Lewis Promotion, a supplier of quality Health Care advertising and promotional products. Click here to view just a few of the many products available.

A greenhouse is basically a structure that has been designed to capture and retain the heat from the sun. It is used to grow plants when the climate does not want to cooperate. Greenhouses can be used in a number of science fair projects and can be used to test concepts from a variety of fields of sciences including engineering, physics, botany and biology.

Project #1 Capturing Heat Energy

In this project the students will be designing a greenhouse that captures heat energy from multiple sources. They will be capturing heat energy from the sun and geothermal heat energy from the ground. This project will require the student to learn about heat extraction techniques related to solar energy and geothermal energy.

Sample hypotheses that can be tested with this project include:
(1) The thickness of the plastic used for enclosing the greenhouse impacts the amount of heat conservation in the greenhouse;
(2) The opaqueness of the material used for enclosing the greenhouse impacts the amount of heat conservation in the greenhouse;
(3) The depth of the insulation on the floor of the greenhouse impacts the amount of geothermal heat conservation in the greenhouse.

Project #2 Growing Radishes

In this project the student will build a greenhouse so that they can grow radishes and conduct experiments on the radish plants during times of the year that are not normally conducive to gardening. Radish projects can look at a number of things. For example, students can try to cross pollinate radishes with another root vegetable like carrots, they can attempt to grow radishes in sand or they can try to manipulate the size of the radish by exposing the plant to 20 hours of light per day.

Project #3 Engineering Greenhouses

For students that are interested in engineering, greenhouse science fair projects can be developed with an engineering focus. For example, students can try to develop a greenhouse using nothing but materials that are normally thrown out or recycled, such as cans, bottles and plastic containers. Students will not only need to design and build their greenhouse, but they will also need to test the effectiveness their greenhouse has in regards to collecting and conserving heat energy.

Project #4 Studying Solar Energy Applications

The final project option will be an application project. Students will be learning about solar energy and how to use this knowledge to harness the suns energy to heat a greenhouse. For this project students will design and build a greenhouse that maximizes the energy delivered by the sun. A good approach for this project is to see if their design can magnify solar energy within the greenhouse to make it effective in cold weather.

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

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Congratulations! Youve lost excess weight by taking control of your bad eating habits and you have never felt more confident. Now you need to know how to maintain your healthy weight loss so that you continue to feel good. The good news is that by undertaking a healthy weight loss regime instead of a fad diet, it will be easier to maintain your new trim figure! The following tips are not only easy to follow but are essential for overall health and wellbeing.

1.Regular Exercise

As part of your healthy weight loss programme you probably engaged in an intensive cardio and strength training programme. While it is important that you continue to exercise, regular exercise means that your diet can relax a little, you dont have to continue such an intensive regime. Instead, aim to exercise most days of the week for at least 30 minutes.

2.Be Smart When Throwing a Party

When throwing a party people usually supply lots of goodies; crisps, chocolate, sausages, chips etc! Now that youve achieved healthy weight loss dont be sucked in to gaining back the pounds; if you are throwing a party in your home take the time to plan delicious food that is healthier than those normally found at such soirees. Crisps can be of the baked variety, chocolate can have high coca content and you can cook tasty appetisers that your guests will love but wont ruin your new waistline!

3.Eat Small Quantities

Although you may organise a healthy dinner party, dont expect everyone else will too. If you find yourself at a party, surrounded by tempting, unhealthy food, you should remember that unless you eat large quantities you wont regain the weight that easily. So treat yourself to a few items on the table, the important thing is that you know when to stop.

4.Remember to Check Why Youre Eating

Its important to check that youre not eating because you are bored or stressed. If youve had a bad day, dont reach for the biscuit tin, go for a walk instead or meet a friend for a chat. You may not feel like exercising at the time but you will feel so much better afterwards.

5.Plan Your Meals

By making a healthy breakfast each morning, packing a healthy lunch for work and having a planned healthy meal each evening, you will minimise the potential for snacking on junk food. Make sure that you bring plenty of fruit, nuts and seeds for snacking on in work. If you know youre going to be home late some evenings make a healthy meal the day before and pop it in the oven when you get home from work.

If you follow all of the above easy tips you will be on track to maintain your amazing new figure, good luck!

There are many reasons to implement a website for your auto body shop business. An online presence is never a negative thing, as you can reach out to a much greater number of possible clients and advertise inexpensively. Auto body marketing can occur in many ways. You can advertise online and off. One offline marketing method is to use a referral system. Many benefits can be yours with such a system and there are certain strategies within the method that work the best for the collision repair industry.

The benefits of a referral system are far reaching. The first notable benefit is that a greater amount of customer assistance, relationship development and loyalty improvement can be had with a referral system. Also, such a system grows with time, so you will see a sequential increase of referrals after each year passes. You can appreciate all these benefits within your auto body shop while at the same time saving your employees time, giving them a greater opportunity to spend their time doing more useful things for the collision repair industry. Strangely, even with these obvious benefits, many marketers do not view it as a serious auto body marketing method. You can see how much of a myth this thought is when you put it into practice for yourself.

To start a referral system for your auto body shop, learn what works the best for the collision repair industry. Many businesses today, when implementing this system correctly, can offset one-fifth, one-half or even all of their yearly advertising efforts. If a company can reach the point of generating business with 100% referrals, the auto body marketing fund will practically be zero, allowing the saved funds to either become increased profit for the owner or put toward other elements to better the shop.

When you set up your business to reward customers for referring their friends, you have an increased probability that it will work, in the collision repair industry or virtually any other. The rewards and financial benefits you can see in your auto body shop are undeniable, no matter what angle you look at setting up a referral system in addition to or even to completely replace your other auto body marketing efforts. No matter exactly how you choose to implement a referral system in your business, the general purpose is to assist people in loving your service enough to tell their friends and family “what is so great” about your business.

A central concern of the society in which we live is health. People are getting more and more conscious about living a healthy life. Eating healthy food is of course a great way to improve your health and stay healthy. A common misconception among people is that healthy food refers to bland and boring food that is widely available as a natural food co-op. However, healthy food is actually what you eat every day, only it is prepared in a slightly different way.

Healthy food as well as healthy eating habits is pleasant for the palate. Closer the food is to its natural state; the healthier it is for you. You can improve your eating habits by cutting down on packaged food. This kind of food, although convenient, is filled with preservatives and artificial ingredients. Healthy food can be convenient too, once you get into the habit of preparing them.

It is very easy and inexpensive to prepare and eat healthy food. Here is an example: grill some lean hamburger patties until they are well cooked. Once this is done, place the patties on whole grain all natural hamburger buns. The burgers can be served with a tossed salad as well as a side of steamed green beans. Follow it up by serving fresh fruit for dessert. This entire meal can be prepared within half an hour and includes a variety of healthy food.

Grilling lean meat, fish, or chicken does not take a long time. While the meat cooks, you can easily toss up a salad of greens and vegetables. You can also round out the meal by using frozen or fresh vegetables. You can bring in variety into your meals by using healthy foods that you have never tasted before. Be sure to check the produce section of the local grocer, which will be stocked with a whole range of exotic fruits and vegetables. Some produce sections also offer recipes on how to cook the vegetables with which you are not familiar. This is a great way to introduce your children to healthy foods. You can also experiment with fresh herbs that can add new flavors to your meal.

Preparing healthy food on a regular basis will help you to make fast healthy nutritious meals. If you get the time, try using healthy food in exotic recipes. Healthy food can be prepared before hand and frozen it for later use. When you prepare your own frozen food, you can be absolutely sure that there are no artificial additives or preservatives.

Encourage your children to get involved in the preparation of healthy foods. This will create time for you so that can share with them. Eating healthy food does not cost you much of your time or money and most certainly, it is a better option for you.

Not many people know how to deal with a major accident once it happens and replacing and repairing a windshield can leave most people frazzled. What should you know when you begin to look for windshields replacement? If you need auto glass treatment and do not know where to look, there are several steps you can take to finding the best glass company for your needs.

Your insurance policy may have certain stipulations about a replacement. Nearly any insurance will require that the glass must be repaired by an accredited service that has met the auto glass replacement safety standard guidelines. This is the only auto glass replacement standards for North American companies and any glass companies that do not have the standard will not provide the best service, even if they have a lower cost on parts and service.

When you buy windshields replacement, you need to ask whether or not the new part has the ability to protect you. The windshield needs to be the brace for the airbag on the passenger side as well as keep the roof from collapsing if the car rolls over. Auto glass that is not installed by a certified technician runs the risk of compromising your safety in a serious accident.

Many auto owners ask themselves when it is truly necessary to purchase a brand-new windshield or when simple repair is capable of removing any damage. A single rock kicked up by a truck can create a small crack the size of a quarter that can ruin some visibility, but has much greater risks over the long run. A minor crack grows into a larger crack if additional strain or weather damage (especially water that melts and freezes), but repairing a small crack will only cost a small amount in comparison to a full replacement. It will likely take less than an hour.

When the crack is larger than the size of a palm, however, repair might not be enough to keep damage from spreading and full replacement may be necessary. Check around for companies that will work on your schedule and ask whether or not your insurance policy may be able to provide for most or all of the repair. Sometimes, the damage is minor enough that the cost of repair may completely be covered by your insurance’s deductible, so that it ends up costing you nothing. In other cases, a direct bill to the insurance provider may be needed.

November 16, 2022

Technologies for Web 2.0 Websites

If someone wants to understand what is Web 2.0 design he must first be familiar with what is the meaning of Web 2.0. Web 2.0 phrase stands for the supposed second generation of the web that focuses on collaboration and sharing of information among users.

What was previously one-way highways of the old web is now replaced by a community-driven world of Web 2.0.

Some of the things related to Web 2.0 include , RSS (really simple syndication) feeds, blogs, social bookmarking websites and the like.

All of them have common factors of having interactivity and communication between the website owner and the visitors, as well as among the visitors themselves.

If you want to have a web 2.0 website, there are several skills you need to get the job done. Some need a high learning curve, meaning that they are easy to learn, while others need more effort in order to be executed properly.

I have listed down some of the skills needed in creating web 2.0 websites.

1. Need a graphics editor

– this is very important when you wish to create graphics for your website. A good graphics editor can do jobs such as simple photo editing to more complex ones such as creating gradient and reflection effects. Photoshop and GIMP are popular graphics editors used by designers. GIMP is good if you cant afford photoshop

2. HTML

– HTML is basic of web designing and it is must for any web designer needs to have. HTML is a markup language, and just like other markup languages, it tells the computer how the graphics and other elements of the page will be displayed. Basic tags are enough to let normal users get by, but knowledge of more specialized tags are needed by those who want to build better websites.

3. CSS

– is short for Cascading Style Sheets. It is also a must for a good web designer. Having a style sheet for a website makes it easier for designers to design a page by assigning values to tags such as those used in paragraphs, lists and the likes. With a style sheet, a style can be easily applied by using a variable on any part of the site.

4. Flash

– is a program used for creating animations, games and entire websites. Knowledge on how to use this is a must among web designers. While the basic commands will be enough for most users, Flash?s ActionScript gives people more control over their creations.

Ashok Arora is CEO of web hosting India company and SEO India company, providing web hosting services and SEO services for last many years.

November 16, 2022

The U.S. Health Care system is in serious crisis and everyone seems to have the answers. Unfortunately, just as with any health care problem the issue takes more than guess work to resolve and like any illness or injury it requires a careful diagnosis of the problem to come up with reasonable, viable solutions.

For those interested in information regarding the health care system, there is an excellent website to assist you. It is like a on line think tank, where anyone can gather information before putting together their formulated proposal about revisions they feel is the best solutions.

Health Care Problems is the website that most anyone wanting to participate in the decision process and provide their suggestions to possible solutions for the health care crisis. A couple of ways this can be do is first, tell your story or experience you may have had with in the current state of the health care system. It will be necessary to reveal what state you live in as well as your occupation. Your shared information is information for others to factor in to formulating their own solutions for the current crisis. Even very similar stories are not at all similar because of all the different factors involved, making the solution and outcome different, but necessary to formulate different solutions that could be implemented across a wide spectrum of the system to get some good ideas for solutions and results.

Even if you don’t have a health care horror story to share you should still check out this website because it can be helpful to learn the issues that exist in the health care system and to gain better understanding of the things that we can do to create solutions. The more information you can gather the more valid your suggestions for change will be. You can read through this website to gather research information and also to use this site for further writing about the topic, be sure to read the Terms of Use agreement before doing so however.

Overall there is much information and knowledge to be gained about this subject and while it is important to come up with creative solutions doing so based on factual information as opposed to suppositions makes your solutions more valid and relevant. Take the time to check out Health Care Problems dot org and find out what other Americans are saying and experiencing around the country. Doing so will make you not only a more informed consumer but just may help you to come to some realizations about the U.S. Health Care System.

Anyone needs the best health insurance that they can pay for. Decent Family health insurance is incredibly important.