While having a financial planner on board will certainly be an advantage for you and your business, first you have to choose one that is a good fit for you. Some personality types clash and you would never get on with them, while others seem to connect at the first meeting. Since you don’t know what personality any financial advisor has until you meet them, it is wise to ask them certain questions to be sure they are a good fit and that you feel their financial planning for your business is going to be trustworthy.
So to find out what they are like here are some questions to ask them in that first meeting, which will – or should be – free.
What qualifications do you have? If you choose an FPA member from the register, you’ll be able to know it advance whether they are certified.
New parents may not have had the advantage of younger siblings to look after as they grew up. This makes it a bit more difficult to know how to raise their own children. While they may embrace parenthood with delight, not all new parents fly through raising their children at stages such as childcare without making some mistakes in the process.
Here are some mistakes that new parents often make when raising their children
Allowing toddlers to choose what they want to eat. Of course they won’t starve, but they are likely to end up with a very poor diet, especially if they are picky eaters to start with. If you only serve up what they want, they’ll very likely choose foods that are oversweet and easy to eat. As they get older this will become a real problem, with meat and vegetables most often on the refusal list.
Most lawyers would tell you that if you have any assets, it is essential to start estate planning as soon as possible so that you can work out the how and where of distributing your estate in the future. It is not all about making a will either. Sometimes as a person ages they become unable to administer their estate due to mental problems from dementia or having a stroke. Family lawyers are the people to consult if you want to ensure your assets are distributed according to your wishes.
Estate planning will help you to not only state your wishes regarding the distribution of your assets after you pass away, it will help you to avoid unnecessary tax, something that most people want to do. It will make the division of assets much easier and enable you to avoid paying the court costs inherent in the judicial system deciding who should get your estate if you haven’t make your wishes known.
When you plan an overseas holiday to places like Bali and other popular tourist destinations, unless you plan on a cruise, you’ll be flying. This means if you want to get to your destination and be able to enjoy your Slinky Villa, there are certain things you will not be allowed to take, because they are classed as dangerous in the environment of the airplane. You may tend to think you can’t take things that are sharp like nail scissors or knitting needles and this is correct, but there are other things you may not have thought about that are banned from planes in order to make sure everything is safe.
Different services may have different requirements so it is important to get the information directly from the service you’ll be using. You may not think that toiletries could possibly be on the banned substances list, but some are. Here are a few of the main things you should not pack for your flight.
Choosing a business lawyer along with experienced internet business consultants is an important first step to starting a business, but even if your business is up and running, it is still necessary to get legal advice. Every business is likely to need legal help with things such as contracts, leases, and many other things. Even if you think you understand everything needed, it is not likely you would have a full understanding unless you are a solicitor yourself.
If you have decided to start your own business there will be many decisions to make, but perhaps the first one will be what kind of business you should start. Obviously many professions require qualifications, just like trades such as an electrical contractor where you are required to be a qualified electrician, but there are many business types to choose from without such certifications, but the best one for you will be something that you love doing. There are several other criteria to consider in choosing a business.
Do you love working with people? If chatting with and caring about people comes naturally to you, any business where this is a necessity to do the job will suit you. Think in terms of a hairdresser, who usually talks and listens to each of her customers while doing their hair. Now compare that with being a mechanic who has her head under the bonnet of a car for most of the day with little customer interaction.
When you have a small business and decide to take it online, it is a good idea to have a plan in place first. A website can accomplish a number of things and the first thing you need to decide is exactly what you want yours to accomplish. This should be decided before you even start because it can affect what type of web design or what kind of website you get and even who you choose as your host, as well as many other things.
For instance, are you going to use your website just as an online advertisement, or as a place customers can come to buy? If it’s the latter, you will need business hosting with a shopping cart and several ways for the customer to pay. Not all shopping carts accept credit cards, but many potential customers prefer to pay that way. You need to make sure your shopping cart is suitable for your needs.
When you start up a business there are many things to think about and do, but not everyone thinks about creating a brand, especially if their business is a small one. But you have to think about what part their brand played – and continues to play – in the success of those large businesses. If they hadn’t bother with a brand, would you even know who they are and what they sell today?
That’s exactly what a brand does; make the business easy for the general public to remember and recognise. Then when they want what that company sells, they are more likely to become customers there than at any other business. So if you need a brand, here are some tips on how to create one.
Search Engine Optimisation is all about making your website rank high in the search result for a specific term, so that you get more traffic. There are many elements of SEO – Search Engine Optimisation – that may be difficult for the beginner to understand. But there are also simple principles that anyone can do.
Write your content for the people you want as customers, not for the search engines. When the Internet was young, many webmasters simply repeated their keywords over and over on the page without any other content. This worked for a short while, but as search engines evolved, even they could see that there was no useful content on the page so such websites did not do well any more. If you write useful information about your product or services – and do it properly – it should contain the keyword you want in a way that is natural. Your customers will be happy and so will the search engines.
If you have plans to start up a business, it is wise to consult with commercial lawyers first, because there are many things to consider and decide on. You can’t just go into business without first making sure it is done legally. One of the first things to decide is what type of business structure you will have for your business. Here are some of the main types: –
Sole Trader. This is perhaps the easiest type of business to set up and as the name suggests, and may be suitable for a small carpet cleaning operation like this one here: brilliancecleaning.com.au or something similar with only one person involved. You won’t have a partner or a company structure as such, however you will need an Australian Business Number (ABN). You may also need a business name and a trademark, both registered. A sole trader has full control over every aspect of the business, owning all the profits and all the debts.
While Botox procedures is usually thought of in terms of reducing wrinkles – and it is mostly women who care about having them – the product can be of great use to men also, but not necessarily for wrinkles. There are several problems men suffer from that can be relieved or alleviated with the use of this drug – many would call it a wonder drug.
Men are usually the ones who sweat a lot, especially if they do hard physical work. That’s not so bad, but if they have an office job this can become a real problem. When sweating saturates clothing, sometimes several times a day, in spite of a good dose of antiperspirant and when they don’t have a physically hard job, men feel embarrassed and their clients or customers are put off by it. But Botox injections into the sweat glands can fix it quite simply. This is because it has the effect of freezing the gland so it doesn’t produce perspiration. It’s important to find a doctor who’s experienced in this treatment.
Purchasing a home of your own can be an exciting time, but before you call in the furniture removalist you need to make sure that it doesn’t turn into a nightmare simply by not carrying out the necessary research to ensure all is in order. The seller is not going to tell you if there is structural damage, termite damage or if they know that a big factory is going to be built on that vacant space that looks so green and lovely right now. It is up to you to find out such things.
In addition, it is easy to fall in love with the look of the place, or something else about it to the extent that you don’t really see its faults. The paint may be peeling inside due to hidden water damage, but you didn’t notice it because you were excited about those gorgeous timber floors.
There are often disputes in business that if not handled correctly and resolved can lead on to litigation, a long drawn out procedure that can cost a business dearly. In some cases, small businesses may never recover. But before you bring lawyers & solicitors on board to give legal advice, see if some of these dispute resolution techniques can help.
If the dispute is with another business such as a supplier, contact their company to see if they have and dispute resolution procedure in place to follow. Always word your correspondence tactfully and politely. Use that to deal with the dispute.
If you love the culture and spiritual heritage of other countries, you will be sure to enjoy visiting some of the temples in Bali. Once you’ve found a Bali villa, you can set off to visit some of the closest ones straight away – unless you have arrived at night, of course. You may also not realise that most of the temples are uninhabited unless there is some kind of spiritual festival about to happen.
There are many temples scattered throughout Bali, not just in the main cities so wherever else you go to do your sightseeing in Bali, it is highly likely that a temple will be there too. This will give you the chance to visit some of the less popular ones and perhaps see something that most other people missed out on. However, the popular temples are that way because they are easier to access than most others, so tourists tend to choose them first.
Everyone knows about the health benefits of exercise, even if we don’t all do it. Those that do often force themselves to attend the gym or go running rain, hail or shine, but they don’t like it. The trouble with exercise is it is boring. As soon as you hop on that exercise bike you think of something that you could be doing that’s more fun, or else you suddenly remember that you haven’t watered the garden, lawn, pot plants, dog, cat or children.
So off you hop and by the time you’ve done all that it is far too late to start pushing pedals again. Oh darn, it’s time to put tea on, feed the toddler, oversee homework – such fun – and get the kids to bed. After all that’s done you have to stack the dishwasher, wash the floors and windows, pack lunches for tomorrow – and anything else you can think of that is not riding that bike, right?
So you have an online business and you are thinking of engaging a professional digital agency, or you have a website that is supposed to help your small business get more customers, but nothing seems to be happening. What can you do to get the traffic that is going to convert into customers? In some cases Google adwords can mean great success. Adwords, or pay per click (ppc) ads as they are sometimes called are basically paid ads that are placed on the search engine results pages (SERPS).
Where to find adwords samples
You will no doubt see them if you surf on the Internet because Google places an ‘ad’ sign right next to the heading text. This alerts surfers to the fact that if they click on the link it will take them to a page that sells something. Not all websites are commercial ones or try to get people to purchase goods or sign up. Many are, but not all have Google ads to lead you to them.
It is difficult for elderly people to get up and down stairs, whether these are inside stairs or outside. Quite a few things make it hard to get around the home and remain safe as you age. But it is sad for older people to leave a home that holds so many happy memories for them and the trend these days is to alter the home to suit them, rather than them having to call the removal company.
So if you are getting older, what renovations can you do to improve your home and ensure you won’t have to move? There are several ways to make the home not only safer, but easier to use.
No matter what kind of business you have lawyers & solicitors are some of the main professionals to get advice from. They can not only offer advice, but help you a great deal in making sure all parts of your business are worked out correctly. Drawing up the lease is a good example; if this is not done properly it can end up being quite unsuitable for you, or cost you more money than it should.
If you don’t know what should be in a lease, don’t leave it up to the landlord to tell you. There are many clauses that can be added to protect you from things such as the rent being increased by too much in the future through to what happens if you need to sell your business before the lease is up. Don’t leave these things to chance. It is up to you as a businessperson to seek good legal advice on this and other matters.
When you are working out the finances of buying a home ready to apply for a loan, don’t forget to include those other costs that you will need to pay. These may be considered hidden costs because if you’ve never had anything to do with buying real estate you may not realise they even exist. It can come as a shock to know that you have to account for many thousands of dollars more than the price of the house. What are these hidden costs?
Stamp duty is one of the biggest costs and even where discounts apply it still accounts for some thousands of dollars. There are two types; duty for the transfer of the property and duty for the registration of your mortgage. The amount of the former depends on the price of the property and what state or territory it is in.
While planning the wedding and reception often take a lot of discussion and time, often it does not result in a reception that is really memorable. It is easy to get bogged down in the details and just go with what the venue offers for every other wedding they host, so your reception is done in the same old way as every other reception held there. Hiring the right wedding DJ can make a big difference, especially when you have some good ideas that you will need his help in implementing.
Here are some tips on how to make your wedding more memorable.
Many people think that estate planning is simply making a Will, but there is much more to it than that. In fact, if you are considering estate planning – and everyone should – it is wise to get advice from lawyers & solicitors who are knowledgeable about the topic and can help you in many ways.
It will ensure that your assets are delivered to the people you choose to have them. By ensuring that you’re Will is made early on and updated to reflect any change in your lifestyle, the people you choose to inherit your assets will be sure to get them.
It will maximise the value of your assets after tax. When you have legal advice, you can minimise tax legally and this means your heirs will not lose money they should have.
Your digital marketing plan for your website should allow you to get the email addresses of people interested in your product or service, you can then market to them via email. This is worth the time and effort it takes because those leads are considered ‘hot’ or at least ‘warm’. That is, they are interested in what you have to offer, so are more likely to buy.
That said, you don’t want to continually shove your offerings at them. First of all you should send them a welcome email – you can set this up to be done automatically. Then you can send them even more information than was on your website in the next email. After that, you can send them more information and a link to purchase the product.
When you purchase a business or sell one, you need to have certain things done legally. While it can be possible to do it yourself, you stand to lose out in some way without the benefit of advice from lawyers & solicitors or a professional conveyancer who is legally trained in the job.
For a start, if you are working business hours what time will you have to do all the things that must be done in business hours? Having a professional do all the legwork necessary can only be a blessing.
So, which should you get; conveyancer or lawyer? Contrary to what many people think, it is not necessarily cheaper to use a conveyancer instead of a solicitor. Each one has their own fee structure. Some may work for themselves and so possibly charge less, while others work for a large firm and must charge what is dictated by the board of the company that employs them.
Some women develop wrinkles at a relatively early age. In our culture, wrinkles are seen as ugly and a sign that we are aging. For women who are young this can really have an impact on both their social and work life. That is why many turn to Botox or Dysport as the answer when wrinkle cream or chemical peels don’t help.
When wrinkling happens – even if it is only due to laughing a lot – people tend to think you are older than you actually are. This can cause you to be passed over for that promotion, or if you are applying for a job, a younger looking person may be given preference, even if you have better qualifications. This is because the company will be looking for long-term commitment with the fewest health issues. The older you are – or look – the more likely it is that you could suffer poor health.
If you have bought a home or any other property, settlement or conveyancing is that time when the contracts have been exchanged and a date set for when you can move in. This is usually 42 days after the contracts have been signed, but it can vary, depending on the circumstances. For instance, if the property is vacant, the seller may agree that you can move in sooner.
Or in some cases the settlement date may not be convenient to you for some reason. In this case, you need to discuss the matter with your solicitor/conveyancer on the day you sign the contract. Once the contracts are exchanged, it is too late to change the date of settlement. However, most contracts have a clause stating that if there is a delay in settlement that is not the seller’s fault, you will have to pay interest as compensation for them not getting their money.
If you have any kind of possessions, even if it is only a house and car, it is important to get estate planning advice and the best people to give it are lawyers & solicitors, since they know all about the legal aspects and what can be done. People with many assets or a business see the need for estate planning, but often those with fewer assets don’t bother with it.
This is a mistake, because estate planning also includes making a Will and if you don’t have one when you die, your estate may not go to your preferred heirs. In fact, if you only have a house, most of the value could well be taken up with the court costs and fees that will be incurred to settle the estate. So your children or spouse could end up with next to nothing.
Leasing business premises should never be done without consulting with your lawyers & solicitors, otherwise you could end up paying a lot more than you need. Professional legal help to go through the lease contract will ensure that all is above board and the landlord is not trying to pass some of his costs on to you. Sadly, not everyone is honest and some people maintain that it is up to the lessee to read the contract if they don’t want to be caught. And that is true to a great extent.
Here are 9 points to consider when leasing business premises.
Rent is usually set by the measurement of the area. You need to know if the wall thicknesses, restrooms, elevators and other common areas are included in the price.
If you are in business you will know the importance of making a sale whether that is of goods or a service. Lawyers & solicitors can offer legal advice on the legal aspects of your business, so you might not think they would know much about sales, yet they are in business too; the business of giving legal advice, but that is still a business. So they may well have been able to help you out with some tips.
During prime business hours decision makers are usually really busy. So make your calls to prospects outside of those hours. Try 8am before the frantic rush starts or 6pm when it has wound down and your decision maker is more relaxed.
In life, one should never forget to take time out – and just relax. Even though many people travel to Bali for the nightlife or the surfing, this only touches the tip of what this lovely country has to offer. If you are feeling exhausted or just in need of some TLC, a retreat might be just the thing for you. And be sure to get one of the Bali villas available so you have the room to spread out in a quiet house, rather than being crammed into one hotel room. That is also a great way to relax and enjoy your holiday.
There are many different kinds of retreats in Bali, from spa and massage treatment through to Yoga, acupuncture and Ayurvedic treatments. You can book in for a few hours, a few days or a week if you have the time and inclination. Some retreats offer plant based cuisine and other regimes to make you healthier. Here are just a few of the retreats that Bali offers.
Sexual harassment in the workplace can cause the victim stress and interfere with the enjoyment of their work. It can even make them feel worried and unhappy out of work hours so it must be addressed, but first, it has to be recognised before you think about talking to lawyers. Not everyone understands that it can happen to a person even when the perpetrator is not in the same room. How?
Sexual harassment can be done through sending inappropriate email, text messages and/or images to the victim, or it can be done by phone. Here are other ways to recognise it.
If you have bought or sold a business or a property you will know that exchanging the contracts is not the end of the matter. Settlement only happens when the money is paid into the seller’s account, but there are certain things that must be done first and these are part of the conveyancing process. It is wise to get conveyancing legal advice to take care of this because there is quite a lot involved in it.
The time between the contracts being exchanged and the money being paid is put to good use in doing searches to ensure several things: –
When you combine the principles, you get the secondary principles of personal development; Truth combined with Love gives you Oneness, Love and Power combine to give you Courage and Truth with Power gives you Authority. All together, the six principles combine to give you the seventh core principle of personal development: Intelligence.
The following stress relief tips are simple and practical. They will swiftly ease your stress!
Step 1. Become Aware
In a relaxed position, with your eyes closed, picture yourself being stressed. In your mind’s eye, go through every stress symptom that you have.
Feel yourself being stressed. It is imperative that the visualization is very real with powerful emotions attached to it.
Now picture yourself becoming aware that you are stressed. You are now the Observer of your behavior. You see your symptoms but your perception of them is of something separate from you.
Stress is a part of most people’s lives. It is a reality that we all live with. This is why we need to have different mechanisms in place for coping with stress. Whether we are business executives or working in a hard physical job like home furniture removals, the challenge for most of us is actually being cognizant of when we are stressed. It is such an habitual state for us to be in, that most of the time we don’t even know when we are in it!
We all have distinctive and personal indicators that we manifest when we are feeling stressed. What are yours?
Steve Pavlina wrote this after having nothing but juice for the last ten days:
With each passing day, I can see more clearly how cooked food is used as a drug to create a certain kind of feeling in our bodies. We keep eating it because we’re addicted to it, not because it’s healthy for us. We confuse those addictive cravings for the experience of genuine hunger. Instead of making conscious food choices, we let our addictions dictate what we eat, how much, and how often.
I experienced a glimpse of this during day two of my own short live foods fast:
Whether you are a top carpet cleaner or a professional pool cleaner, there’s a lot of good advice there, check out Tony’s recorded audio message there, and also Kathy’s story (see the videos on the right). She was born deaf, labeled mentally challenged, but taught herself to speak. Watch her story and I challenge you not to be moved!
Tony has also appeared recently on the Today Show to talk about how to deal with the current financial challenges.
3 months ago I wrote that all ads on Life Coaches Blog were off, due to a new contract at work that stated I had to share part of my profits with the company if I were to do outside work.
That was all fine and good, but if I was to be honest with myself, the ability to make some extra cash from Life Coaches Blog was a big motivator for me to keep this site running. And not only that, the monthly Adsense cheques were a great way to measure progress – the better I was running Life Coaches Blog, the more money I’d get. All that went out the window the day I switched the ads off.