Over the years, we have seen several kinds of investment options that have conquered the market. HYIPs or High Yield Investment Programs are the latest ones. Hyip investment is a highly profitable business proposition that allows you to generate maximum profits for minimum investments. The percentage of interest that you earn on your investments also varies. While some companies offer you a stable 1 to 2% daily, there are other companies that offer you much higher rates. But with the increasing rates also come the ever increasing risks. Now that you have read about the positive cash flow, it is important that you also keep in mind, that several of these companies are nothing but scams. Choose wiselyThere are several horror stories of people who looked for Hyip investment and invested in shady companies only to find that they had disappeared within weeks. So before you invest any of your hard earned money in an HYIP, it is recommended that you seek the services of an experienced HYIP investor or consultant. Even you can spot a scam after you spend some time in the market. Usually these companies have extremely high daily rate of interest. How they workThe reasons why HYIPs are so popular is because you do not have to do any kind of work at all. The only thing that you do is invest your money and watch it grow. The HYIP has a semi automatic or completely automatic script that allows you to withdraw your money just about anytime. As an investor, you should keep withdrawing the money frequently rather than compounding it to minimize your risk. There are experienced investors who are making a lot of money with HYIPs and with time, you too will be there. However, a lot of newbies start their investment career with losses.
Frank Richards is a Business Management Consultant who specializes in Service Level Agreements. Last month he ran four seminars in major Australian cities but he's finding that the ticket money does not cover his costs.In these days of instant payment you would believe that the problem of unpaid registration fees is a negligible issue. Unfortunately the days of instant payment do not coincide with the days of red-tape-free purchase ledger accounting. Companies have their own internal rules about raising requisitions for payment and some may take in excess of 90 days to clear all of the hurdles. Although this is probably one of the best reasons for delivering invitations to corporate delegates more than three months prior to the event, it still leaves you with the conundrum of what to do about non-paying delegates.The answer, as with all financial issues, is to have a clear set of contracted rules that are sent out with the invoice paperwork, the confirmation of registration, the joining instructions and any other communication that you may exchange with your delegates. There is nothing complicated about the wording; all you must state is If payment is not received 21 days prior to the event then a place will not be reserved for the delegate. Choose your time period to be realistic otherwise you may alienate potential attendees who know that their accounts department cannot meet the criteria.Nominate one of your admin team as a Credit Analyst to keep an eye on late payments and make it their job to make increasingly frequent calls to the delegate to enquire how payment is proceeding. This pressure alone will normally accelerate payment as the delegate won't want to lose their place at the event and they'll use your payment terms to coax the money from the accountants.What to do about late paymentIn extreme cases delegates will plead their powerlessness against the moneymen and they will find themselves up against the wire with nowhere to turn. It's your opportunity to be magnanimous and allow the delegate to attend the event so long as they bring a check or even cash with them to hand over at the door.Keep it in mind that bad debt in Australia can be measured in trillions of dollars each year and the major reason given is poor debt management, meaning that people are often not tenacious enough to chase down delinquent purchasers.So, be tough and resolute; an event is an instant product, consumed as it is manufactured. If you get your payment late, how can you possibly pay all of the players who are providing goods and services to make the event a success? You can't ask for the product to be returned.Be polite and understanding; offer the delegate a place on a later event or some one-on-one consultancy as an alternative. Be as flexible as you can but don't disrespect the prompt payers by relaxing your standards for an organization that can't get its act together.
When to delete an e-mail and not
Guidance for Owners/Managers
When it comes to e-mail, I'm a packrat. No, it is not true that I still have the first e-mail I ever received. But I probably have my first e-mail from the year 2000.
In fact, I probably have all my e-mails from the year 2000. So of course, I have everything since then, too.
Why do I have all this stuff? I'm not sure, frankly. Maybe I was concerned that I would be sued over some imaginary transgression and would need an e-trail to prove my innocence. Or maybe I was vaguely concerned about some legal requirement to save this stuff.
I'm not the only one doing this. Some of you have thousands of e-mails, too. And you probably don't know why you're saving them, either. Maybe you're worried about going to jail over some stupid e-mail you can't find.
I'm hardly an expert in what e-mail documents and records to save. So I talked to Donald Skupsky, the president of Information Requirements Clearinghouse. He modestly describes himself as the world's leading expert in this area. I also talked with Charles Fine, a Phoenix attorney.
Here are some things to consider when you wonder whether or not to save e-mail. Obviously, if you still have questions, talk to a lawyer.
- Save important records. But e-mail is not always considered a record. Companies should save records of business transactions. If you sign a contract, save that contract. If you receive the contract as an attachment to an e-mail, and the other party says in the e-mail, "We accept the contract," save the e-mail too. That constitutes a record.
So if you would keep it as a paper document, keep the e-mail. Otherwise, pitch it. That includes e-mails generated during the contract process. This is work-in-progress material, and does not reflect the thinking of an organization. Rather, they are the thoughts of individuals.
When you do keep something, store it formally. Don't leave it in your e-mail program where no one can find it. You might be best off to print it and put it in a folder.
- Sometimes, keep more. There are certain times in which you cannot discard things. For instance, if you are part of a legal process, you can't delete anything that is relevant. I'd err on the side of caution. Better yet, follow your lawyer's advice.
Even if you are not currently in a legal process, there are two other important words: imminent and foreseeable. If you're on notice that you'll be indicted, things are imminent. Now is not a good time to clean out your e-mails. If you make a big boo-boo and somebody gets hurt, a lawsuit is foreseeable. Again, be careful. Talk to your lawyer.
According to Skupsky, only the securities industry is required to keep all of its e-mails. Everybody else is free to pitch them.
- But don't keep everything. Most likely, those e-mails piling up probably won't hurt anything (except your server space). Most of us get into business because we see an unanswered need. We want to help our customers. We've never been sued, and never expect to be.
However, it could very well happen. Let's say that, after exercising superhuman patience, you fire Joe Screwup. You could not have treated Screwup better, but, of course, he doesn't see it that way. So Screwup sues.
You're not worried. But then you get a subpoena, ordering you to submit any e-mail from the past three years that bears on the case. There's nothing in the e-mail that would affect the case, and Screwup knows it. But you'll have to dig up everything you have, and your lawyer will go through it, looking for relevant material. How many hours, at $200 per hour, will it take her to do that? So you swallow hard and give Screwup $15,000 to go away. You may never have thought about this, but you can bet that the plaintiffs' bar has. Worse, maybe they find an e-mail in which you express intemperate remarks.
Given the potential problems, why save e-mail? Sure, this scenario is pretty unlikely. But 99.9% of your old e-mail is junk, anyway. Why take the risk?
- Develop a policy on e-mail retention. Skupsky recommends a 30-day retention policy. After 30 days, your employees (and you) have to decide if an e-mail is a record. If not, it goes. This has the salutary effect of forcing your employees to think about what a record is, and is not. Attorney Chuck Fine thinks that's a good idea. But he goes further, and chucks (no pun intended) his e-mail immediately.
According to Skupsky, old e-mail is rarely useful to the other side. But if it costs lots of money to go through it, the plaintiff doesn't care. Neither does his lawyer. They have nothing to lose. Discovery is a wonderful weapon to force a settlement.
So I'm cleaning out my old e-mails. No, really! It's difficult, though. I've had them so long, they're like old pals. You should clean out yours, too. We have to be strong about this.
Christian community website construction requires a lot of care and research since there has to be in depth information relating to various issues. These days, a number of communities operate their own website. It is not necessary that the same template be followed for other Christian community websites. However, some of the basic components of the Christian community website as described here could be followed. It will drive more visitors to the website apart from increasing its visibility on the worldwide web. The website should also be enabled with search engine optimization by using key words relating to Christian community.The Home page of the website should discuss your mission and objective apart from describing the organization promoting it. The web page should contain lots of graphics, images and text relating to Christianity. This will be visually appealing to visitors interested in Christian community. You can also feature more Christian communities of the world or the neighbourhood by providing important details about them. It could also contain resources relating to Christianity. If possible, provide resource links to services and news relating to Christian community. Try and register to various applications so that subscribers or visitors to the website can be provided with news feeds and blog services.There should be separate sections dedicated to Christian community. The sections could feature resources on the Gospel, the Sacrament, the Bible and other study material relating to Christianity. Processes and procedures could also be defined on various aspects of Christianity such as priesthood, pastor and social service. You can also list the seminaries of the area in which the visitors to the website are interested in taking a first look.The website should feature an additional section about the organization promoting Christianity. You could explain the funding model and how people can contribute in your efforts to meet the end result through collective support. However, your mission and vision for the organization has to be spelt out clearly. Make sure that the transparency in the data is of the highest order. Do not provide scope for any suspicion. The disclaimer of the website should be candid and approved by the senior most position of the organization.You can make the website interactive by providing a platform for discussion on Christian community. In an effort to attract youngsters, you could list Christian community classifieds and Christian jobs. There are several links on the Internet, which provide information relating to Christian jobs. Ensure that these links are present on the webpage of the website. Make sure that the links are appropriate and open quickly when clicked.To attract youngsters interested in Christian service such as social welfare activities, aiding the physically challenged or raising funds for social cause, you can invite the participation of the persons visiting the website. You can elicit their reaction towards various initiatives being launched by the organization. If possible, conduct an online survey of all the people visiting the website. There are some people, who visit the website seeking divine intervention. Ensure that there is adequate data on the website to the guide these people to the right persons within the organization or the church.
When you think of a dashboard what comes to mind? For most people, the first picture that comes to mind is the dashboard in your car. The dashboard extends from just under the inside portion of your windshield and includes all the dials, knobs, buttons, and instruments that essentially run the automobile. In essence, the dashboard of a car serves as the control center. Via the dashboard you can change the radio, turn up the volume, defrost the windows, heat up the car, cool down the car, or even insert a CD to listen to. More advanced and luxurious cars have dashboards that give the driver a glimpse of the conditions in and around the car such as the temperature outside, the speed of the car, the time, and the song currently playing on the stereo system etc. Simply put, dashboards are great at offering a quick glance into ones current condition, providing a simple yet powerful visual representation of information.
Business Dashboard to the Rescue
Business executives often are pressed for time, and in need of a Dashboard to their companys current status. Fortunately, a business dashboard does exist. Like the dashboard of a car, a "business dashboard" offers a look into wellbeing of a company. A business dashboard will often consist of information representing the vitals of a company. Vitals like sales and inventory data, as well as profitability information. Business dashboards are often quite flexible allowing for customized inputs of information and charts to display the information that is most vital to your company.
When an executive takes advantage of a business dashboard, he literally has all the information from the whole company at his finger tips. Business dashboards allow the user to manipulate complex data input sets and view and interpret the data in simple, yet powerful visual representations. For an executive that lacks ample time to make complex business decisions based on the data provided to him a business dashboard proves priceless.
Performance Dashboard Keeps You Ahead of the Game
Many top executives think of this type of dashboard as a performance dashboard. After all, when all is said and done, the dashboard is essentially measuring and displaying the performance of the company. All great executives understand the importance of maintaining a grasp of the current performance status of the company, and a "performance dashboard" allows these executives to maintain their edge over other corporations.
As mentioned before, a dashboard can be very flexible. Business and performance dashboards are capable of displaying information or inputs that are contained in Excel file format. A dashboard lacking dashboard excel functionality will prove to be a useless tool. In the business world, much of our information is housed by Excel so when you are looking for a performance dashboard solution, be sure to look for a dashboard that advertises "dashboard excel" compatibility.
Dont get caught lagging behind the competition. Make sure you have the best tools and instruments so that your company can make informed decisions and maintain or even exceed the pace set by the competition. Remember, when looking for a performance dashboard solution, if you want to make use of that huge database of Excel worksheets you have on your servers you will need a business dashboard solution that provides dashboard excel compatibility.