Navigation
  • Essay Webtraffic
  • Essay Google Adsense
  • Essay Random Articles
  • Essay Various
  • Essay Self Improvement Articles
  • Essay Articles Marketing1
  • Essay Accounting
  • Essay Acid reflux
  • Essay Acne
  • Essay Adsense
  • Essay Adult
  • Essay Advertising
  • Essay Adwareand spyware
  • Essay Aff10mar
  • Essay Affiliate
  • Essay Affiliate Marketing
  • Essay Affiliate Marketing On The Internet
  • Essay Affiliate Success
  • Essay Affiliate Marketers
  • Essay Affiliate Articles
  • Essay Affiliate Programs
  • Essay After School Activities
  • Essay Aikido
  • Essay Air Purifiers
  • Essay Air freight
  • Essay Air Purifiers
  • Essay Alternative energy
  • Essay Alternative Medicine
  • Essay American History
  • Essay Anger management
  • Essay Art Auctions
  • Essay ArticleMarketing
  • Essay Articles
  • Essay Articles Web Design
  • Essay Articles Marketing
  • Essay Articles
  • Essay Article Marketing
  • Essay Article Writing
  • Essay Artmarketing
  • Essay Arts Entertainment
  • Essay Aspen nightlife
  • Essay Aspen Nightlife
  • Essay Astrology
  • Essay Astronomy
  • Essay Atkins Diet
  • Essay Attraction
  • Essay ATV
  • Essay Auctions
  • Essay Audio Video Streaming
  • Essay Autism
  • Essay Auto Navigation Systems
  • Essay Auto Responders
  • Essay Auto sound systems
  • Essay Auto Leasing
  • Essay Autoresponders
  • Essay Aviation
  • Essay Babies
  • Essay Baby
  • Essay Back pain
  • Essay Backyard Activities
  • Essay Bargain Hunting
  • Essay Bathroom Remodeling
  • Essay Bathroom accessories
  • Essay BBQs
  • Essay Beach Vacations
  • Essay Beauty
  • Essay Biking
  • Essay Biography
  • Essay Black History
  • Essay Blog Marketing
  • Essay Blogging
  • Essay Blogs
  • Essay Bluetooth Technology
  • Essay Boarding
  • Essay Boating
  • Essay Boats
  • Essay Bodydetox
  • Essay Book Marketing
  • Essay Book Reviews
  • Essay Breast Feeding
  • Essay Breast Cancer
  • Essay Budgeting
  • Essay Burglar alarm
  • Essay Business
  • Essay Buying A Boat
  • Essay Buying Paintings
  • Essay California tan
  • Essay Camera bag
  • Essay Candle Making
  • Essay Car Rental
  • Essay Car Stereo
  • Essay Cardio
  • Essay Careers
  • Essay Carpet
  • Essay Cars
  • Essay Cats
  • Essay CD duplication
  • Essay Celebrities
  • Essay Cell Phone
  • Essay Child Care
  • Essay Choosing the Right Golf Clubs
  • Essay Christmas Shopping
  • Essay Cigars
  • Essay Closet Organizers
  • Essay Clothing
  • Essay Coaching
  • Essay Coffee
  • Essay Coin Collecting
  • Essay Colic
  • Essay College
  • Essay College Scholarship
  • Essay Colon Cancer
  • Essay Communications
  • Essay COMPUTER GAMES & SYSTEMS
  • Essay COMPUTERS, LAPTOPS, SMARTPHONES
  • Essay Computers Technology
  • Essay Computer Certification
  • Essay Consumer Electronics
  • Essay Contact Lenses
  • Essay Cooking
  • Essay Copywriting
  • Essay Corporate gifts
  • Essay Crafts
  • Essay Crafts articles
  • Essay Craigslist
  • Essay Creating an online business
  • Essay Creativity
  • Essay Credit
  • Essay Credit Card
  • Essay Credit Cards
  • Essay Credit score
  • Essays Credit Cards
  • Essay Credit Card Debt
  • Essay Criminology
  • Essay Cruise Ships
  • Essay Cruises
  • Essay Currency Trading
  • Essay Customer Service
  • Essay Dance
  • Essays Data Recovery
  • Essay Data Recovery
  • Essay Dating
  • Essay Dating Women
  • Essay Debt
  • Essay Debt Consolidation
  • Essay Decorating for Christmas
  • Essay Dental
  • Essay Dental Assistant
  • Essay Depression
  • Essay Destinations
  • Essay Diabetes
  • Essay Diamonds
  • Essay Diesel VS Gasoline vehicles
  • Essay Dieting
  • Essay Digital Camera
  • Essay Digital photography
  • Essay Digital Cameras
  • Essays Digital cameras
  • Essay Digital Products
  • Essay Disease Illness
  • Essay Disneyland
  • Essay Divorce
  • Essay Divorce rebuild life
  • Essay Dogs
  • Essay Domains
  • Essay EBay
  • Essay Ebooks
  • Essay Ecommerce
  • Essay Education
  • Essay Elderly Care
  • Essay Elliptical trainers
  • Essay Email Marketing
  • Essay Emergency preparation
  • Essay Entrepreneurs
  • Essay Environmental
  • Essay Writing
  • Essay Ethics
  • Essay Eventplanning
  • Essay Excavation Equipment
  • Essay Exercise
  • Essay Extra Income
  • Essay Extreme
  • Essay Ezine Marketing
  • Essay Ezine Publishing
  • Essay Family Budget
  • Essay Fashion
  • Essay Fashion school
  • Essay Feng shui
  • Essay Finance
  • Essay Finance and insurance
  • Essay Fishing
  • Essay Fitness
  • Essay Fitness Equipment
  • Essay Food Beverage
  • Essay Forex
  • Essay Formula D Racing
  • Essay Forums
  • Essay Fruit Trees
  • Essays Fruit Trees
  • Essay Fundraising
  • Essay Gambling
  • Essay Gambling Casinos
  • Essay Games
  • Essay Garage Remodeling
  • Essay Gardening
  • Essay General
  • Essay Goal Setting
  • Essay Golden Retriever
  • Essays Golden Retriever
  • Essay Golf
  • Essay Google Sense
  • Essays Google Adsense
  • Essay Gourmet
  • Essay Government
  • Essay Grief
  • Essay Hair Loss
  • Essay Happiness
  • Essay Hardware
  • Essay Health
  • Essay Health Articles Pack
  • Essay Healthy Aging
  • Essay Healthy Eating
  • Essay Health Fitness
  • Essay Health Insurance articles
  • Essay High Definition Video Cameras
  • Essay High Definition Video Cameras
  • Essay Hiking and Camping
  • Essay Hobbies
  • Essay Hobby Articles
  • Essay Holiday Games Activities
  • Essays Holiday Games Activities
  • Essay Holidays
  • Essay Home and constructions
  • Essay Home decorating
  • Essay Home Schooling
  • Essay Home Security
  • Essay Home Theater Systems
  • Essay Home Theater
  • Essay Homeschooling
  • Essay Home Security
  • Essay Home Based Business
  • Essay Home Entertainment
  •  
    Free Essay
    7.7 of 10 on the basis of 4226 Review.
     

     

     

     

     

     

         
     
    Virtual usa address

     

    Computers, Internet and several other sophisticated technologies have provided new means of doing business, shopping, communicating and many other works. The whole world is now turning out to be a small market place and the distance between nations is shrinking gradually. The concept of virtual address enables an individual, a company or a group of companies to create a distinct identity for themselves by availing facilities without being physically present there. As the USA is the commercial hub of the world, business persons, entrepreneurs, shoppers and common people keep a close watch on its developments. International customers always have a problem when they want to receive their products through international shipping. Basically, in USA many retailers do not want to deal with international shipping segment. Those who deal into the matter are charging high shipping cost from the customers. The USA is the most favorite business destination and most of the business professionals are looking for new and unique products from this market through the advantage of the World Wide Web. Shoppers from around the world seek a virtual USA address where their products can be collected by a middle company that arranges for their delivery at their locations. As a result, they can save on travel expenses and costly courier and shipping charges. The oneUSAaddress is one such company who is a global leader in package forwarding services. The shoppers and customers can register for this address by simply logging in at the company’s website. After six steps of registration process, you will get an access to your USA address. This address is real and has a physical presence. You can purchase directly from the online retailers and provide them your shipping address. It then receives the products on your behalf at your virtual address and keeps it safely till shipment. The company’s website contains all the details about your package, its size, its condition, the sender’s information and also an image of your package. All your queries will be promptly answered by its dedicated online staff. The opening of the package for checking its conformity with the client’s specifications and repacking is one of the important services that the company provides. The company ensures the products are safely shipped to its destination without any damage or spoilage. Timeliness is one important factor that makes it distinct from others. Above all, you will have less financial worries in comparison to traditional courier services that charge a high price and take unexpectedly longer period of time to deliver your consignment. The oneUSAaddress has a wide network and covers more than 220 countries and territories. Having a virtual address in the USA is a craze among modern business persons and customers who want to enjoy many advantages that come with it. All you need is to wish and it will be fulfilled at once.

         
    Waiter training rehearsing for the restaurant performance

     

    However sophisticated your training may be, its merits will soon be lost without effective and consistent reinforcement. One of the most effective ways managers can reinforce training is through short and well planned pre-shift meetings. These are 10-15 minute sessions where managers can build confidence and gain valuable feedback. Typically held just prior to a shift, the meetings are essential for improving customer care and boosting average spend as they present an opportunity to exchange ideas, test menu knowledge and highlight special dishes. The most effective shift meetings are simple, informal and interactive. Interactive being the key word here. Attendees should be encouraged to do most of the talking, following the rule where you speak 20% of the time and they speak the other 80%. Managers can control the meeting by introducing discussion topics, and encouraging participation through questions and role play exercises. Here are a few discussion ideas: -Test menu knowledge through role play, with the manager playing the role of the guest and server recommending menu items -Discuss customer care, such as handling complaints or telephone etiquette. -Describe the specials, and have waiting staff describe them back -Review forthcoming promotions or advertisements, or discuss any large parties or groups coming in -You can brainstorm marketing ideas, sales goals or review average spend. When determining which topics to discuss at a shift meeting, it is important to consider the meeting from the employee's point of view or WIIFM (what's in it for me?). First you must explain the benefits of putting what they learn into practice. Second, you must identify the reasons why they should listen and participate. Typically employees benefit through an increased knowledge and the confidence to do their job more effectively. Managers should also… Be prepared - set out objectives for the meeting beforehand. Organize all relevant support materials and be familiar with them well in advance of the meeting. Avoid distractions-hold meetings in a place where will not be distracted by events outside or inside the restaurant. Appoint someone to answer the telephone during the meeting. Be enthusiastic - it is contagious. To develop enthusiasm and motivation, managers must lead by example. Ask questions - direct questions to different individuals throughout the meeting. This ensures that everyone stays focused on the topics being discussed, and encourages dialogue. Encourage feedback - ensure that employees understand the topics being discussed in the meeting. To help you prepare your cast for the restaurant show performance, and as a small thank you for visiting the web site, I am offering a complimentary sampler of the Rehearsal Guide for shift meetings. The guide is an extract from the Rehearsal Guide which is included with A Role in the Show training package. I hope you find the information useful. To receive the guide or view previous articles please visit the Archives section of our website.

         
    Want a management career get qualifications

     

    If you want to enter the world of management you need paper qualifications. No company is going to employ a manager who needs to learn on the job, without at least a first level degree. A management degree equips an individual to play a significant management role in a company successfully. A bachelor degree in management is the minimum entry-level qualification. You would then be expected to take higher degrees in your own time, though your employer may contribute towards the cost. Managers only make rapid progression up the career ladder if they change companies. You must make your mark and move on, gaining in experience with each move. You need to be working towards an MBA. An MBA has come to be accepted as the desired qualification for senior managers. MBA stands for Master in Business Administration. An MBA is a Master's degree and, as such, should be considered only after a bachelor's degree in a business related subject. You can now take MBA qualifications at most of the major universities, but some have more prestige attached to them, because the course is seen as more rigorous. You can also take an MBA through an on-line course at an accredited university. You can also buy them for a few hundred dollars on the Internet. Companies seeking to appoint managers are going to have considerable knowledge in the area of relative MBA worth and anyone applying for a senior position with an MBA from an institution known to sell them online won't even get a reply to their application. Management degrees have many options, allowing the student to specialize in the different areas of managementmon options include; Personnel Management, Accounting and Negotiating, but there are many others. A management degree, especially an MBA is always going to be a very valuable qualification in today's workplace, where companies are always on the lookout for good managers.

         
    Ways to improve your selling

     

    It has long been known that until something is sold, nothing else happens. The selling profession is therefore one of the most challenging and most profitable career paths one can choose. And for those with an innate ability to sell, it can be gratifying and profitable from day one. Others, who may want the income and freedom that comes from sales but who are not as naturally gifted, will benefit from a few specific tips on their way to improving sales. First, acknowledge what type of sales you're best at. Door to door business to consumer, telemarketing, corporate business to business, and online are all different ways of selling. And while most salespeople must focus intensely on prospecting and business development, many in the corporate business to business sales world are responsible for closing million dollar deals in partnership with others at their company who generate the lead. Once you've narrowed down the type of sales you're best at, which may take years as you progress through your sales career, there are some additional resources that could help you. Sales coaching is a new form of improving your sales. You partner weekly with a veteran salesperson outside of your company who works with you on specific techniques, motivations, scripts, behavioral training, or attacks the call reluctance or lack of confidence you may feel in your role. The sales coach is your advocate, someone who has experience working with many types of salespeople and can assist you with a perspective that only an unbiased third party can provide. Another resource is lead generation. Specifically, find, hire, or create a method of generating more leads. Sales ultimately is a numbers game - the more leads you have in your pipeline, the greater your chances of closing more deals. If you can pay someone to generate more leads or create a direct marketing method of generating interest, much of your hard work will be done for you. This would free you up to focus on closing deals and generating income. The final resource to consider is one not many people think of, but can be tremendously valuable. This idea was first proposed by Ben Franklin and popularized by BLANK in Think and Grow Rich. Create a mastermind of salespeople. This requires some work up front but could pay great dividends, especially if you don't compete directly and mutually respect each other. A group like this could have various forms - you could be local to each other and meet weekly, or connect online or by phone on a regular basis, you could all be part of the same industry but sell in non-competitive territories, or you could hire a coach among you to assist each of you in getting the most out of this process. It's been proven time and again that a mastermind group of similarly driven and focused salespeople could be one of the most beneficial things you do. Regardless, if you're committed to sales success, you must continually improve yourself using either motivational techniques, lead generation and prospecting resources, or outside support from coaches or mastermind teams.

         
    Weaknesses of wishing

     

    When you're starting a business, you might wish for a lot of things, like having more than enough customers or not having to do marketing. But wishing is weak willed, having no momentum behind it. When you wish for something, you're not coming from a place of having a strong vision. Instead, wishes tend to be dreamlike, wispy and not grounded. Wishes are future oriented. To run a business, you need to be intentional, focused and highly aware of the present for it is only from the present that you can make things happen. While wishing is fine, your wishes need to be converted into a vision, which represents what you want most. From there you can craft goals and a strategy to reach those goals. Your strategy should be broken down into easily doable, action steps. Action is key to getting what you want for your business. Translating a wish into a vision is the first step to creating the momentum to move forward. What are some of the weaknesses around wishing? 1. It hooks you to the future. One of the biggest dangers of wishing is that it ties you to an uncertain future. Wishing takes you out of the present moment and puts you 10 steps ahead of where you should be. Unfortunately the only place you can make changes is in the now. Instead of investing your time and energy wishing about what you want for the future, invest in today by taking action that can create that future. 2. Not intentional. Wishing finds itself in the realm of dreams. Wishes are wispy and aren't grounded on the solid foundation of a vision. An intention on the other hand is a definitive thought or statement that says exactly what you want to accomplish. The energy around wishes tends to be ephemeral, like clouds through which you can pass your hand. Intentions, on the other hand, are focused energy. Think about how you feel when you say you are “wishing” for something. Then, try out the statement “I intend” followed by something you want to accomplish. Notice how you feel about the energy around each of these statements. 3. Not specific. Our thoughts are powerful. What we put our minds on and the thoughts we think play a significant role in what we manifest in our lives and in our businesses. Wishes tend to be dreamy and ill defined. This lack of specificity can lead you to manifesting the same. If you want to custom create your future, your thoughts must be intentional. They must be focused, clearly articulated, and very specific about the outcomes. 4. Waste of time. Wishing for things is really not the best use of your time. Wishes are like playing “what if” games - entertaining, but lacking in value. Wishing for more customers is a waste of your time and energy. But getting on the phone and cold calling prospects or sending out letters of introduction is intentional. They are clearly defined, focused steps that you can take to make things happen. Stop wishing and start doing. 5. Keeps you in the comfort zone. Because wishes are weak-willed and ill defined and because wishing is associated with dreaming, no action is implied on your part. It's just a time for mental machinations, a time to lay back to wish and wonder. Nothing gets accomplished that way. You don't have to grow or learn new things or step out of your comfort zone. Thinking intentional thoughts about what you want to accomplish requires action. Wishes accomplish nothing; intentions move you forward to accomplish your goals. 6. No momentum. The energy behind wishing is weak at best. While this activity is pleasurable to most people and we all enjoy engaging in it from time to time, wishes are the comfort food of folks who are afraid to step up to play a larger game. Intentions, on the other hand, call you to take action, to step up to being more, which will result in having more. And, when you're in action, it's easier to stay in action. 7. It can be depressing. Because wishing is not rooted in clarity and because it doesn't require any action on your part, it can often lead to feelings of sadness or malaise. There is no movement forward. There is no vision of a different outcome because wishing requires no change from where you currently find yourself. It's like always being on the outside, looking in. It's about hoping and wanting, but not having the energy to open the door to new opportunities. 8. It can lead to negative self-talk. Wishing behavior can also lead to negative self-talk. One is always wanting and hoping for things and situations, but they will forever remain outside of one's grasp because no action will ever be taken. Because wishing is a pure mental process, requiring that nothing be changed, it is an exercise in futility. You will never get what you want. This can actually lead to being caught in a downward spiral of negative thought. One might start feeling they aren't good enough or deserving enough to have something, when the fact is, they could have everything, if only they focused their thoughts and took action. 9. It can keep you stuck. Stuck is the only place you will find yourself if wishing is your modus operandi. Wishing is a mental activity that leads nowhere. Intentional thinking is a mental activity, grounded in focused thoughts, and coupled with action that leads to results. Stuck or unstuck? The choice is yours. 10. It's frustrating. Wishing is extremely frustrating because it won't ever lead to different outcomes. Nothing will ever come of it. Circumstances will never change. Nothing can ever be improved. One could not help but be frustrated when they will never realize what their heart most desires. Change your thoughts. Be more intentional. Take action. This is the quickest route to success and happiness. © Copyright 2004 by Alicia Smith

         
    What accounting software should you use

     

    Accounting is the measuring, and disclosure or provision of assurance about information that helps managers and other decision makers make resource allocation decisions. How to become an Accountant. Accountants in the US are called Certified Public Accountants and in the UK and Canada are called Chartered Accountants. Chartered Accountants in Canada are expected to know all US CPA knowledge as well as a Canadian Accounting body of knowledge. In order to become an Accountant an undergraduate degree is required and then a period of articling is required which can take as long as 5 years with gruelling exams and an exhausting series of finals. In her notes compiled in 1979, Professor Linda Plunkett of the College of Charleston S. C., calls accounting the "oldest profession"; in fact, since prehistoric times families had to account for food and clothing to face the cold seasons. Later, as man began to trade, we established the concept of value and developed a monetary system. Evidence of accounting records can be found in the Babylonian Empire (4500 B. C.), in pharaohs' Egypt and in the Code of Hammurabi (2250 B. C.). Eventually, with the advent of taxation, record keeping became a necessity for governments to sustain social orders. Perhaps the most significant benefits to contemporary accounting has been the introduction of computer programs to assist in the accounting function..Computer programs were introduced in business and government organizations in the 1950s, and the most important applications of computers have been in the areas of record keeping, balancing , and transaction recording. Accounting uses various bases of measurement, mainly the cash basis, the accrual basis (or historical cost) and variations of these; all of these functions are greatly assisted by the use of various accounting software programs. Accounting is tied to the invention and dissemination of the double entry bookkeeping process. Different Accounting Software Solutions available today: ACCPAC web-based accounting, launched the ACCPAC Online web site in 1999 which allows end users to run ACCPAC from a simple browser for a small monthly rental fee. Intuit's QuickBooks for the Web represents a new product from scratch. Microsoft Small Business Manager is a new player on the block which is a scaled down version of Great Plains Accounting Software. Netledger centralized net computing renamed Oracle Small Business Manager Peachtree. This product was the older Peachtree Office Accounting product and is also a web-based solution. In 2000, Peachtree added a web-based module to its' flagship Peachtree Complete Accounting product called Peachtree Web Accounting. SAP mySAP - web-based accounting featuring a limited number of SAP modules. So it appears that there are 2 different types of Accounting Software: Web Based Accounting: which is one application on a Web Server running everybody's application. There are of course advantages and disadvantages to this type of application, immediately coming to mind is confidentiality and the security of the Servers being used as well as possible breakdowns. Advantages are of course in being able to use unlimited Server Resources. And then there is PC Based accounting which everybody has tried and is Bill Gates favorite. Advantages; In-house control of everything but subject to limited resources.

         
    What can a factoring company do for your small business

     

    Are you selling goods or services to commercial customers or to the government? If so, you are probably used to the idea of having to wait up to 60 days to get your invoices paid. However, waiting to get paid can be challenging, especially if you have business expenses that can’t wait. That is where a factoring company can help you. Factoring companies can provide you with financing, based on your slow paying invoices. They eliminate the 60 day payment waiting period and provide you with the necessary liquidity to meet payroll, pay rent and meet business obligations. Here is how factoring works in a nutshell: 1. You invoice your customers and send a copy of the invoice to the factoring company 2. The factoring company advances you up to 90% of your invoices 3. You get immediate use of the funds. The factoring company waits to be paid 4. Once the factoring company is paid by the customer, the transaction is settled Although many business owners will go to a factoring company to get financing, factoring companies also provide other important services. Most notably, factoring companies can act as your business credit department. They can review existing clients and new prospects and advise you of their payment habits. And since they manage your accounts receivable, factors can also provide you with important financial reports and financial analysis. More importantly, a factoring company can help you grow your business. By turning your slow paying invoices into cash, they give you the financing and the flexibility to take on new opportunities. And, factoring financing lines don’t have arbitrary limits like business loans. They grow in relation to your sales. The more you sell, the more financing you get. Because of these benefits, factoring companies can be great business partners and help finance your business growth.

         
    What is a transcriber

     

    A transcriber is a person that transcribes recorded information to written formpanies use transcription to shift the burden of typing from highly paid executives and professionals to lower salaried employees. Executives and professionals, such as doctors, dictate and then a transcriber transcribes the work to document form. Although most of us are familiar with medical transcribers, transcribers work in a variety of fields and in a variety of circumstances. Many transcribers work in offices while others are self employed, working on a contract basis. Today there is a great deal of work available online for transcribers. Professional business people will hire a transcriber on contract to transcribe for them. The contract will define the relationship between the professional and the transcriber along with what the rate of pay will be. It will address matters relating to confidentiality and file storage, as well as how you will handle files on your computer. Well laid out contracts are beneficial to everyone. As a transcriber working independently, accuracy is your number one concern. However, the quicker you can transcribe the better for you so here are some tips to help you. Make sure your Dictation equipment is in good working order. If you use software on your computer make sure it is operating optimally. Clean and service your Dictation equipment regularly and replace the tapes frequently. Tapes wear and although they will still work, the quality of the recording depletes. Make sure you are working from a good ergonomic chair to avoid injury and to stay comfortable. You’ll be a lot more productive if you are comfortable. So don’t skimp on the right chair and the proper desk. Remember, if you are self employed and injure yourself you won’t be making any money. Is that enough incentive not to go cheap? Try to keep your work environment quiet. Fast, accurate transcription depends on it. Speed and accuracy goes up the less ambient noise there is. So although it might not always be possible, it’s definitely worth striving for in order to reduce your error rate and help speed up your completion time. Speaking of errors – they simply are not acceptable as a transcriber. And some individuals, especially some doctors, are really bad at dictating. So there are a couple of tricks you can try if you cannot understand something. Play with the tone by removing as much bass as you can, and try slowing or speeding the tape up. Sometimes a mixed speed will help catch the word. Another trick that sometimes works is to listen to the recording through the regular speaker instead of the headphones. If confidentiality isn’t a problem, you can also have someone else listen to see if they can understand it. And sometimes taking a break and coming back makes it seem clearer. Remember no guessing! If you simply can’t understand a specific word or phrase, you will have to leave a blank in the transcription - noting that the area needs clarification by the dictator. If it’s feasible you can contact the dictator right away asking for clarification. If the dictator is consistently bad at dictating, tell him or her. You’ll be doing yourself and other transcribers a favor by telling that person they need to improve their skills. And if things don’t get better, as a contract transcriber you can drop the client. A career as a transcriber can be rewarding and interesting, and the pay can certainly be good.

         
    What is company fraud and how do you stop it part 1 of 2

     

    Did you know that it is very likely your company is a victim of fraud? In fact, it's probably happening right now! Fraud takes many forms - some obvious and well known, others subtle and unmarked. This two-part article sheds some light on the topic. Part 1 helps you determine whether your company is vulnerable to (or, indeed, already a victim of) fraud. It discusses fraud in further detail and provides definitions and real-life fraud examples. Part 2 goes on to explain how you can minimize fraud in YOUR company. What is Fraud? Companies around the world lose a staggering amount of money to fraud and abuse. According to government and private studies, the following example is typical. A manufacturing company earns $60 million in revenue and $18 million profit per year. Fraud and abuse cost approximately 6% of revenue ($3.6 million). The company's profit margin on revenue is 30%, therefore they need to generate an additional $12 million in revenue (20% additional revenue) just to cover the cost of fraud and abuse. (Source PWC.) The enactment of the United States Sarbannes Oxley Act of 2002 was a direct result of numerous well-publicized accounting scandals (some may say "frauds") involving high-profile companies. The intent of the Act was to not only close the loopholes that made these transgressions possible, but to also hold companies accountable for those transgressions. But what exactly is fraud? The broadest definition of fraud (as per the Merriam-Webster's Dictionary of Law, Copyright 1996 Merriam-Webster, Inc) is: "any act, expression, omission, or concealment calculated to deceive another to his or her disadvantage; specifically : a misrepresentation or concealment with reference to some fact material to a transaction that is made with knowledge of its falsity or in reckless disregard of its truth or falsity and with the intent to deceive another and that is reasonably relied on by the other who is injured thereby" Some Examples of Fraud By this definition, fraud encompasses such things as negligence in ensuring business expenses are actually incurred, reported on time, or at the accurate dollar amount. It also encompasses reckless disregard in separating personal expenses from business expenses and consistent failure to use due care and follow policies. Four of the more common forms of fraud and abuse relate to: 1) Travel and entertainment expenses 2) Unauthorized use of corporate credit and purchasing cards 3) Related party transactions 4) Receipt of free or below market-cost goods and services from vendors, suppliers, etc. And it can be very difficult to actually pinpoint the precise point at which the fraud occurred. Corporate fraud is found in many forms which are not particularly obvious at first glance. For example, companies spend millions on accounting packages, CRM, ERP, and database solutions that have the highest grade of security and data integrity to manage their businesses. Unfortunately, in the majority of cases, this data ends up in spreadsheets where the data integrity is very easily lost. This final stage of the information journey is known as THE FRAGILE LAST MILE. During the fragile last mile, there are typically no controls or standards and no IT accountability, so the information is completely vulnerable to abuse. For example, changing a plus and minus sign in a spreadsheet caused Fidelity to pay out $2.4 billion in dividends for their Magellan fund. A loss of $1.2 billion became a $2.4 billion dollar payout because of a spreadsheet cell formatting error. Similarly, CA (Computer Associates) published their financials with a $60 million error due to a tiny spreadsheet mistake. Spreadsheet error research carried out by audit firms, PWC and KPMG, show that around 9.0% of large spreadsheets contain errors. How Do You Minimize Fraud in Your Company? Those who perpetrate fraud include people of all ages, experience levels, salary levels, ethnic backgrounds, genders, geographic regions, and other demographic differentiators. In order to minimize and detect fraud, you need to implement corporate expense management software controls to create an environment where fraud cannot flourish. The second (and final) article in this series discusses how you can stop fraud from occurring in your company. You can find this article at this site or at inlogik/12530+0+free-articles. htm.

         
    What is company fraud and how do you stop it part 2 of 2

     

    In the first article of this series, I defined fraud, discussed how it can occur in a company, and provided some real-life examples of when and how it has occurred in the corporate world. (To read the first article, visit inlogik/12530+0+free-articles. htm.) In this - the second - article, we get down to nuts and bolts; how do you minimize fraud in YOUR company? There are two main steps required to stop fraud in your company: Step 1 - identify your fraud risks; Step 2 - implement corporate expense management software controls to minimize those risks. STEP 1 - Identify Your Fraud Risks Is your company vulnerable to any of the following? - Variances between hardcopies and computerized reports; - Departure and return airfare on different dates but with no corresponding hotel expenses; - Meals on weekends or in non-work locations; - Poor descriptions and incomplete documentation such as a missing boarding pass, itinerary or receipt; - Dates out of sequence; - Old receipts; - Nasty or inconsistent explanations to questions regarding claims. A common response is "how dare you question me?" ; - Copies; - Altered receipts; - Credit card statements or printouts instead of receipts; - Airline tickets: o Employees have been known to pay for airline tickets using frequent flyer points and then claim the cost of a ticket as an expense from the company. This can be considered a fraudulent activity; o There are numerous mechanisms employed to defraud an organization through the use of airline tickets. Organizations need to be diligent when dealing with airline ticket exchanges, refunds, partial refunds and possibility the flight being claimed was not taken (evidence of car rental, parking at the home airport, meals or other expenses in the destination are not present). - Duplications to watch out for: o These may not be identical amounts as in the case of partial hotel bills; o Past due charges on mobile phone bills; o The same expense may be reported twice in one period or in two or more periods with a different description and coding. - Claiming personal items can also be a source of fraud against the company. These can include: o Travel for family members; o Retail or personal purchases; o Excursions added on to business trips; o Extra days in a hotel, car rental etc.; o Gift shop, massages, etc. may be included on a hotel bill; o Non-authorized trips. - Organizations should also be diligent in identifying expenses being claimed that were not incurred. This is especially relevant when related to the claiming of meal expenses and meal per diem expenses; - Inconsistencies such as taxi and rental car claims for the same portion of trip or mileage calculations that are clearly inflated; - Overstatements may or may not be deliberate, however they include typographical errors ($34.95 reported as $3,495) and incorrect exchange rate conversions. There are numerous other less obvious activities that fail to comply with legislative and/or company policies. Examples of these failures include improper coding, such as: hotel bills that include meals, phone, etc., that are reported as lodging; car rental which may not fall into a company authorized class; and the use of prohibited vendors. STEP 2 - Implement Corporate Expense Management Software Controls In order to minimize the risk of fraud in your company, your corporate expense management software controls should be designed to provide and support the 5 W's (Who, What, Where, When, and Why). They must ensure that all reasonable, authorized expenses incurred in order for a staff member to perform their job responsibilities are paid with the corporate credit card and documented with an original, valid, unaltered receipt, and they must be implemented throughout the entire organization, at all levels and in all functions. In practice, these corporate expense management software processes, controls, and procedures are very broad. They relate to items such as approvals, authorizations, verifications, reconciliations, segregation of duties, reviews of operating performance, background investigations, and physical security. They need to be embedded in your day-to-day management and monitoring processes, and they need to also leverage available information technology. Segregation of Duties as a Corporate Expense Management Control Given the nature of accounts payable and the related functions, segregation of duties is a crucial consideration. Following is a partial list of duties related to accounts payable and how they should be segregated. 1) The person responsible for bank reconciliation should not: • Handle unclaimed property reporting • Be a signature on a bank account 2) The person who is check signature should not: • Authorize invoices for payment on an account that he/she is also a signature • Have ready access to the check stock. 3) A person who is responsible for the check stock should not: • Be an authorized signature • Handle the bank reconciliations 4) The person responsible for the master vendor file should not: • Be an authorized signature • Be able to approve invoices for payment • Handle unclaimed property 5) Individuals responsible for accounts payable functions should not also be responsible for accounts receivable. Other Corporate Expense Management Controls Some other corporate expense management controls that are helpful in combating fraud include: • Requiring business purchases be made on a corporate credit cards • Monitoring transactions on the corporate credit cards • Direct pay of corporate credit cards • Pre-population of corporate credit card data in expense report preparation • A good system of approvals to prevent unauthorized reimbursements • A thorough review of an individual's expenses over a period of time • Implementation of a PostProcurement environment (historically we have been working in a pre-procurement environment (Purchase Requisition, Order, Receipt, Remittance, 3 Way Matching, Journal, etc.) which can lead to at least 20% of transactions being disputed.) Corporate Expense Management Software Corporate expense management software automates the management of expense claims, significantly reducing the risk of error or fraud and comprehensively managing all purchasing data. A good corporate expense management software solution can reduce processing costs by as much as 90%, so the payback period is tangible and measurable (often less than 6 months). When choosing a corporate expense management software solution, ensure that it can manage digital data from a range of B2B transactions including purchasing cards, travel expense cards, fleet cards, mobile phones, and Internet purchasing. Information can then be integrated into operating systems including human resources, accounts payable, general ledger, and ERP. Furthermore, make sure that it accommodates all major credit card transactions, that it is non-bank specific, and that it can operate with the world's leading ERP systems. And finally, before choosing your corporate expense management software solution, consider the fact that technology is not the entire story in achieving corporate expense management outcomes. Cultural issues, resistance to change and corporate ownership are the greatest barriers to the growth of card programs and the realization of benefits. You must be confident that your corporate expense management software solution provider has a customer-focused consultancy based approach to client relationships of which technology is only one very important part. Conclusion Fraud is a significant cost to many (if not most) companies. But it doesn't have to be. By identifying your fraud risks and implementing appropriate corporate expense management controls and corporate expense management software, you can very effectively minimize your fraud risks. And with the right corporate expense management software solution, ROI within 6 months is very achievable.

         
    What is good corporate governance

     

    Good corporate governance refers to methods, laws and policies that direct, control and administers important functions of a corporation. Principal stakeholders and board of directors within the corporation are the ones who manage the principal corporation. Good corporate governance ensures the goals of the management stays within the lines of agreement of the stakeholders. Most people think there is no difference between stakeholders and shareholders in a corporation however, there is a difference and that is why it's important to manage things correctly. While working toward maximizing shareholders value and fairness, good corporate governance system ensures their rights are protected at all times. Since Enron and WorldCom were such failures for big business, corporate governance has reinforced its protection considerably. Stakeholders and shareholders alike are driven to improve corporate governance, although some of these changes come from federal mandates. What most stakeholders want is concise information with a clear and feasible link to overall business strategy. Corporate efficiency is shaped by good corporate governance and strengthens employment stability, retirement security, and the endowments of orphanages, hospitals and universities. Good corporate governance structure specifies the distribution of rights and responsibilities among different participants in the corporation, such as, the board, managers, shareholders and other stakeholders, and spells out the rules and procedures for making decisions on corporate affairs. By doing this, it also provides the structure through which the company objectives are set, and the means of attaining those objectives and monitoring performance. Good corporate governance is about promoting corporate fairness, transparency and accountability. Because there seems to be so many definitions about good corporate governance I picked one definition and tried to explain it to the best I can. Businesses need to be controlled and directed, because most corporations are pretty large, good corporate governance tells which groups of people are to do what. Board managers, stakeholders, and shareholders each have a say in the rules and procedures of the company. This gives structure to the company and ensures each group is watching the other to keep things in line and keeps everybody honest. This also ensures the company will prosper because each group has to maintain certain strength in order for everything to work like a well oiled machine. If one group goes down, the other groups help restore it back to running the way it's suppose to. If one group fails then eventually all groups fail and then nobody prospers. Corporate governance is the system by which business corporations are directed and controlled. The corporate governance structure specifies the distribution of rights and responsibilities among different participants in the corporation, such as, the board, managers, shareholders and other stakeholders, and spells out the rules and procedures for making decisions on corporate affairs. By doing this, it also provides the structure through which the company objectives are set, and the means of attaining those objectives and monitoring performance", OECD April 1999. OECD's definition is consistent with the one presented by Cadbury [1992, page 15].

         
    What is invoice factoring and invoice discounting

     

    The Romans were the first civilization to sell promissory notes at a discount, beginning the industry of factoring. America was built largely on the possibilities of factoring, when colonial businesses were factored by Europeans willing to invest cash in exchange for the promise of large returns, and government bonds also use the same principles applied by businesses when they engage in invoice factoring. Invoice factoring is, at its simplest, the sale of the right to collect cash owed on your outstanding invoices. Most businesses engage in invoice factoring when they need cash up front quickly, or when they have customers that are slow to pay and don't have the resources to build an accounts collections department. Though some companies are large and established enough to get accounts receivable financing through a regular bank, it can be handy to have access to invoice factoring companies as well. Most businesses use invoice factoring to get fast cash. In the intense and fast paced business environment of today, ready cash can be invaluable. With the sale of your invoice futures, you can get the cash today you need to capture customers that will move your business forward. Invoice factoring is not a loan; rather, it's an outright sale of an asset. Another way of looking at it is as a cash advance: you give up a certain portion of the money you expect to receive in the future in exchange for ready cash today. While some businesses purchase invoices outright, others give you a down payment toward the invoice, paying you the balance less their fee when they receive payment from the customer. One of the best things about invoice factoring is that your credit has no bearing on whether you are approved; instead, your customer's credit qualifies the invoice for factoring. Many different industries take advantage of invoice factoring, including: * Transportation * Manufacturers * Distributors * Wholesalers * Staffing and consulting firms * Telecommunications companies * Service providers Because ready cash is so important in their business, industries that are heavily vested in human services and need to be able to meet payroll are among the best able to leverage invoice factoring. However, any business that generates at least ten thousand dollars in accounts receivable should be able to use invoice factoring, provided they've acquired creditworthy customers. Other situations that might make invoice factoring a wise choice for you include: * A young company with creditworthy customers, but not sufficient credit history for your own business to be considered creditworthy by banks * A company with the necessity of taking advantage of new, time-limited sales and profit opportunities, but inadequate cash flow currently to do so * Companies with income, credit, or tax problems * Companies that have filed for bankruptcy, but that stand to turn a profit * Companies that are growing too rapidly for ready capital to keep up with business needs * Companies poised to grow very soon but do not want to incur debt * Companies that are growing rapidly, but do not have good enough credit to take out bank loans. * Start-up companies with no capital base currently * Companies with seasonal sales patterns or uneven sales patterns

         
    What is people management

     

    Your employees are the biggest asset you have. Their performance and attitude can result in the success or failure of your business. The most difficult part of any manager’s job is people management. He or she is required to lead, motivate, train, inspire, and encourage. On the other hand, he or she is also responsible for hiring, firing, disciplining, training and evaluating. These functions seem to be at odds, but a successful manager can integrate both the positive and negative aspects of these tasks to create a positive, productive work force. People management, also known as human resource management (HRM), encompasses the tasks of recruitment, management, and providing ongoing support and direction for the employees of an organization. These tasks can include the following: compensation, hiring, performance management, organization development, safety, wellness, benefits, employee motivation, communication, administration, and training. When managing the people within an organization, a manager must focus on both hiring the right people and then getting the most out of these people. New personnel must provide the organization with the best talent available that meets the needs of the business. The organization must look ahead to how a new employee can be used to their fullest. Getting the most out of an employee means a business has consistent policies and practices in place to provide its people with appropriate training and development. Employees are involved as “partners” in the business. Probably the most important task a manager will face when dealing with the people under his direction is that of bringing out the best in them. Unlocking people potential is often seen as the key to any business’s success. When an employee’s talents are not channeled correctly, their behavior can seriously compromise the success of an organization. Some of the roles that an employee who is not being used to his potential can take on are as follows: procrastinator, martyr, gossip, manipulator, backstabber, narcissist, a deer in the headlights, black hole, stonewalled, curmudgeon, bully, and predator. Instead of dealing with employees that develop defense mechanisms to mask their dissatisfaction with their work situation, let’s look as some ways to encourage effective behavior at work. After a problem behavior has been identified, address the employee immediately. Discuss taking responsibility for the ineffective behavior, how the behavior manifests itself, and the effect the behavior is having on the organization. Next, give the employee alternatives to his current behavior. In other words, teach him or her how the principles of achievement: • cooperation • respect • self-motivation • trust • self-discipline Now that the employee has alternatives to their current behavior, draw up a performance improvement contract in which he or she agrees to specific actions to change his or her ineffective behavior. After the contract is signed, a manager needs to stay involved and committed to the process of change. He or she cannot assume that the problem will be automatically fixed now that it has been brought to light. The employee will require praise and reinforcement of any progress that they are able to make. If positive change is to occur, it will be evident soon after the initial confrontation. If this does not occur, a termination meeting must be scheduled quickly. One employee’s toxic behavior can quickly spread throughout an organization if it is not dealt with quickly and efficiently. When evaluating an organization’s workforce, there are several areas that must be addressed. First, the staff must have the tools and resources that they need to do their jobs effectively. Employees cannot be blamed for an organization’s inefficiency if they are not provided with the equipment necessary to perform adequately. Next, get to know each employee as an individual and make sure that they are aware of their specific role within the organization. Clarify their responsibilities and goals. Also, involve each employee in making decisions which affect their area of expertise. This will result in the employee feeling that they “have a say” in what goes on in the organization and he or she will feel a sense of ownership. Finally, make sure that employees have an opportunity to have fun with their coworkers at appropriate times. People Empowerment can be a very effective tool within the field of people management. This technique can be used to involve employees in any improvement program within an organization. Authority, accountability, and responsibility are delegated to the employees for improving the processes which are under their control without first having to obtain permission from management before making changes. This can be successful only when employees are recognized, congratulated, and rewarded for their commitment to problem solving.

         
    What makes a good boss

     

    According to Rob Sheehan, director of executive education at the James MacGregor Burns Academy of Leadership at the University of Maryland, “Being a good boss is important in any organization, but it’s particularly important for small business. With smaller businesses, you really have the opportunity to set the tone for the entire company.” There are several characteristics, traits, and attitudes that seem to be prevalent among executives that are viewed as “good bosses” by their employees. These include: • Including all levels of employees in decision making • Concentrating on the company’s mission, not just its ability to make money • Demonstrating the value of learning new skills • Encouraging employees to advance their careers • Setting an example of a positive attitude and work ethic Assigning Responsibilities The organization of your small business will be determined by your determination of who should be doing what and when – in other words, assigning tasks and duties to your employees. At the center of any organization are its people and those people have to know what is expected of them in order to perform satisfactorily. Usually a small business will start with a few (maybe even one) person(s) performing all of the day-to-day functions. However, as the business grows it will be necessary to hire others to perform specific roles within the firm. As a manager, you will be required to recognize when new needs emerge and to hire the appropriate personnel to address those needs. Business Teams You should not be the only one responsible for the success of your small business. The ultimate in organization is the formation of a business team that allows you to delegate authority and, as a result, increase productivity. Your business team should consist of those employees who are in charge of the major functions of your organization. To be effective, a business team must have a leader that is respected by all of the team members. In return, the leader must respect all of the member’s individual abilities. A team spirit should be evident as each member uses his or her strengths to compensate for the weaknesses of others. Mistakes in the workplace should result in correction not retribution. Each member of a team should realize their own importance to the organization and feel free to explore other areas of activity. Communication Tips for Employers A 2001 study analyzing 20,000 exit interviews revealed that the most common reason that people leave a job situation is poor supervision – basically, they had a bad boss. Probably the biggest factor contributing to the perception of poor leadership seemed to be poor communication skills. How can you as an employer improve your communication with your employees? Try out a few of the following suggestions: 1) Listen. Actually pay attention to what your employees are saying. As simple as this sounds, try this exercise; Tape a conversation then after you have finished communicating, try typing as much as you can of what the other person said. When you are finished, play the tape while reading your notes. See how accurate you’re listening and memory is. 2) Designate specific times to meet with your employees one-on-one at least twice a month. Not allowing interruptions during these meetings will convey to them that they have your undivided attention and that you value their input. 3) When changes are going to have to be made in the workplace, let those affected know as soon as possible. Tell them personally and don’t let them find out through the grapevine. 4) Let your employees know what you stand for. When they are aware of your value system, they will be able to make better decisions, or at least decisions that will be more pleasing to you. 5) Let your employees know how they are doing on a regular basis. Don’t let an employee find out that they are not performing up to your standards at their yearly performance review. 6) Improve your public speaking skills. Your credibility with your employees is directly tied to your ability to convey information to them successfully. 7) Don’t use e-mail to do your dirty work. Whenever a situation involves strong emotions, it should be dealt with in person.

         
    What s wrong with focus group research

     

    Since they were first used over 65 years ago by US government sociologists investigating the effectiveness of military propaganda movies the focus group has been the mainstay of the market research industry. By the middle of the twentieth century, advertising agencies were jumping on the bandwagon hiring researchers to find out why certain kinds of products and services were appealing. The focus group gained popularity because its format prompted the participants to explain their reasons and motivations behind product attraction, recognition and ultimately purchase. The use of focus groups grew, especially amongst politicians as policy setting instruments. Focus groups even gained credence in academic research despite having no standard methodology for the gathering or capture of the outputs produced. It looked like the focus group was here to stay. So what’s gone wrong? In his recent Slate Magazine article, "Lies, Damn Lies and Focus Groups?" Daniel Gross challenges the efficacy and value of focus groups for informing product development and marketing. He highlights the widely documented mismatch between what people say about product concepts in focus groups, and the way they actually behave when it comes to making purchases. This small difference costs companies millions in inappropriate product development and misguided advertising. But more worryingly there is an increasing endemic problem with focus group research that simply refuses to go away. The ‘Focus Groupie’ is a term used to describe people who for whatever reason spend increasingly large amounts of their evenings contributing to focus groups. You can’t really blame them, the promise of Ј50 about $90 and a free meal is quite appealing. And nothing is sacred for these part-time professional opinion givers. Yesterday they were early adopting gin lovers, today cautious supporters of animal rights, tomorrow who knows? Yet, in the words of one such ‘focus groupie’ the only thing they have in common is that “after a while the stories don’t seem like lies – more like acting – and it’s quite fun to pretend to be someone you are not” The industry is not laughing. In a recent issue of Research the magazine of the Market Research Society (UK) it was front page news. And it’s no fun for the clients who pay for this false and potentially misleading information. Torben Jessen, Saga’s Research Manager said that clients should be concerned about professional respondents, the fraudsters in particular because “The issue cuts to the credibility of research”. A study into this problem carried out by BMRB between November 1999 and March 2000 found that; One in ten people who had taken part in a focus group within the previous 12 months had done so at least three times that year and one in 100 had 16 or more visits. That’s one focus group misled every three weeks. The only thing we know for sure is that the problem is getting worse not better. Liz Sykes, committee member of the UK’s Association for Qualitative Research commented “nobody really knows the scale of the problem”. Yet, whatever the scale, it’s the advertisers who are counting the cost. Many are now moving away from the old focus group model. It's lasted well, remember the focus group was developed when the bi-plane was still state of the art. Perhaps it’s no surprise that a modern approach is increasing its market share dramatically. The use of online qualitative/quantitative research has doubled in the last three years. The reasons for this are obvious it’s quick, cheap and by using in-house data, can tap into existing customers and prospects who have already undertaken the desired behaviour. Thus eliminating the fraudsters. Many customers are using sophisticated psychometric models to help their understanding. Marketing a leading UK magazine reported recently that for Sainsbury’s Bank “Marketing consultancy ESP are running and analysing an online questionnaire included in the bank's monthly e-zine, which is e-mailed to the customer database. The bank wants to build a clearer picture of consumers' product purchasing behaviour, using psychographic data.” Surely this type of fast intelligent, ‘focus groupie’ free research is a good way forward. That is unless you are still happy donning your flying cap and climbing into 65 year old your bi-plane. Chocks Away!

         
     
         
    Essay Service
  • Essay Home Family
  • Essay Home Improvement
  • Essay Home Security
  • Essay Horse racing
  • Essay Hosting
  • Essay Humanities
  • Essay Humor
  • Essay Hunting
  • Essay Hybrid car
  • Essay Hypoallergenic dogs
  • Essay Improve personal life
  • Essay Innovation
  • Essay Inspirational
  • Essay Insurance
  • Essay Interior Design
  • Essay International Airports
  • Essay Internet security
  • Essay Internet Marketing
  • Essay Internet Business
  • Essays Internet Marketing
  • Essay Investing
  • Essay Investment Basics
  • Essay Ipod Video
  • Essay Ireland golf vacation
  • Essay Jewelry
  • Essay Jewelry Wholesale
  • Essay Job Search
  • Essay Junior golf
  • Essay K 12 Education
  • Essay Kitchen
  • Essay Kitchen Remodeling
  • Essays Kitchen Remodeling
  • Essay Koi
  • Essay La Jolla California
  • Essay Landscaping
  • Essay Language
  • Essay Las Vegas
  • Essay Law
  • Essay Leadership
  • Essay Leasing
  • Essay Legal
  • Essay Leukemia
  • Essay Loans
  • Essay Low cholesterol
  • Essay Making Money With Articles
  • Essay Male menopause
  • Essay Management
  • Essay Marketing
  • Essay Marketing PLR
  • Essay Marketing Your Business On The Internet
  • Essay Marriage
  • Essay Martial Arts
  • Essays Martial Arts
  • Essay Writing Martial Arts
  • Essay Medicine
  • Essay Meditation
  • Essay Membership Sites
  • Essay Men s Issues
  • Essay Mesothelioma
  • Essay Mexico Vacations
  • Essay Microbrews
  • Essay Mini Blinds or Wood Shutters
  • Essay MLM
  • Essay Mobile A V
  • Essay Mobility scooters
  • Essay Monograms
  • Essay Mortgage
  • Essay Motivation
  • Essay Motor Homes
  • Essay Motorcycles
  • Essay Motorcycles and Scooters
  • Essay Mountain Biking
  • Essay Movies
  • Essay Movie Reviews
  • Essay Moving
  • Essay Moving overseas
  • Essay Movinghouse
  • Essay Multiple Sclerosis
  • Essay Muscle Building
  • Essay Music
  • Essay Music Reviews
  • Essay Mutual Funds
  • Essay Myspace
  • Essay Networking
  • Essay Networks
  • Essay New Air Travel Rules
  • Essay New Years Eve Party Planning
  • Essay New York
  • Essays New York
  • Essay NewAirTravelRules
  • Essay Newport Beach
  • Essay New Years Eve Party Planning
  • Essay Niche Marketing
  • Essay Nursing Assistant
  • Essay Nutrition
  • Essay Office Chairs
  • Essay Online Dating General
  • Essay Online Dating Man
  • Essay Online Dating Woman
  • Essay Online Shopping
  • Essay Opt In List
  • Essays Opt In List
  • Essay Organizing
  • Essay Outdoors
  • Essay Outsourcing
  • Essay Outsourcing Ebooks and Software Jobs
  • Essay Ovarian Cancer
  • Essay Paint Ball
  • Essay Parenting
  • Essay Parentingskills
  • Essay Paris
  • Essay Personal Loans
  • Essay Personal Finance
  • Essay Pet health care
  • Essay Pets
  • Essay PH Miracle Diet
  • Essay Philosophy
  • Essay Photography
  • Essay Playstation3
  • Essay PLC AffiliateMarketing
  • Essay Podcasting
  • Essay Podcasts
  • Essay Poetry
  • Essay Politics
  • Essay Politics Commentary
  • Essay Politics Current Events
  • Essay Politics History
  • Essay Pool Accessories
  • Essay Porsche
  • Essay Power Tools
  • Essay PPC
  • Essay PPC Advertising
  • Essay Pre Paid Legal
  • Essay Pregnancy
  • Essay Private Jet Charters
  • Essay Private Label Resell Rights
  • Essay Private Yacht Charters
  • Essay Private investigation
  • Essays Private Label Resell Rights
  • Essay Product Reviews
  • Essay Prostate Cancer
  • Essay Psychology
  • Essay Public Relations
  • Essay Public Speaking
  • Essay Rawfood
  • Essay RC Hobbies
  • Essay Rc car
  • Essay Re Financing
  • Essay Real Estate
  • Essay Real Estatearticles
  • Essay Real Estate
  • Essay Recipes
  • Essay Recreation Sports
  • Essay Reference
  • Essay Reference Education
  • Essay Relationships
  • Essay Religion
  • Essay Remote control helicopters
  • Essay Renting A House Or Apartment
  • Essay Retirement Planning
  • Essay RSS
  • Essay Running
  • Essay RVs
  • Essay Sales
  • Essay San Diego
  • Essay San Fransisco
  • Essay Satellite Radio
  • Essay Science
  • Essay Scotch
  • Essay Seattle
  • Essay Security
  • Essay Self Improvement Articles
  • Essay Self Help
  • Essay Self Improvement
  • Essays Self Improvement
  • Essay Sell Your House
  • Essay SEO
  • Essay Sexuality
  • Essay Shoes
  • Essay Show Business
  • Essay Site Promotion
  • Essay Ski vacations
  • Essay Skiing Locations
  • Essay Skincare
  • Essay Skin Cancer
  • Essay Sk Vacations
  • Essay Sleepingbaby
  • Essay Small Business
  • Essay Snoring
  • Essay Snoring remedy
  • Essay Snowboarding
  • Essay Snowmobiling
  • Essay Social Networking
  • Essay Society
  • Essay Sociology
  • Essay Software
  • Essay Spam
  • Essay Spirituality
  • Essay Sports
  • Essay Sports Car
  • Essay Sports coaching articles
  • Essay St. Thomas Vacations
  • Essay Stock Market
  • Essay Stress Management
  • Essays St Thomas Vacations
  • Essay Success
  • Essay Summer Vacations
  • Essay Supercross Racing
  • Essay Supplements
  • Essay Surround Sound
  • Essay Swimming Pools
  • Essay Tattoos
  • Essay Tax attorney
  • Essay Taxes
  • Essay Tech gadgets
  • Essay Teeth whitening
  • Essay Tennis
  • Essay Terrier dogs
  • Essay Thanksgiving Party Articles
  • Essay Theater Arts
  • Essay Time Share Investments
  • Essay Time Management
  • Essay Toothache and Tooth Care
  • Essay Top Golfing Accessories
  • Essay Tracking Software
  • Essay Trafficand SEO
  • Essay Traffic Generation
  • Essay Travel Tips To European Countries
  • Essay Travel Leisure
  • Essay Travel Tips
  • Essay Trucks SUVS
  • Essay Universal Studio Tours
  • Essay Vacations
  • Essay Vacuum Cleaners
  • Essay Valentines Day
  • Essay Vehicles
  • Essay Video Sites
  • Essay Video streaming
  • Essay VideoSites
  • Essay Vitamins
  • Essay Vitamins and Supplements
  • Essay WAHM
  • Essay Wart Removal
  • Essay Wealth Building
  • Essay Weather
  • Essay Web Design
  • Essay Web Traffic
  • Essay Web Design
  • Essay Web Development
  • Essay Web Hosting
  • Essay Wedding Favors
  • Essay Wedding Games Activities
  • Essay Weddings
  • Essay Weight Loss
  • Essays Weight Loss
  • Essay Wine
  • Essay Wine And Spirits
  • Essay Women s Issues
  • Essay Writing
  • Essay Writing Speaking
  • Essay YEAR OF CONTENT
  • Essay Yoga
  • Essay YouTube
  •  
    Free Essay
    shopping | gift ideas | Petrela castle | contact form | Essay about cultism in the society | the sony family | groom jewelry | groom | laptops | free essay archive | live video streaming | different between Adwareand spyware | garment accessories | gament accessories | accessories | Arts | domoniterisation paragraph | MONICA ASHLEY | apina hrbek | easy essay on the topic of Demonitisation | anything | essay on importance of demonitisation | write a paragraph on demonitisation | paragrapha on demonitisation | Demonitisation eassy word easy | a short paragraph on demonitisation | paragraph of demonitisation | argumentative essay on demonitisation | short paragraph on demonitisation | demonitisation eassy
     

     

     

     

     

     

     

     
     
     
      Free Essay Archive BloguinHos